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Hello. I have a question about wamu/providian. I recently...

Established Member

Re: Hello. I have a question about wamu/providian. I recently...



BMax wrote:
If you didn't include WaMu/Providian in your bankruptcy they will approve you. Just be well aware of the terms and conditions. Providian was considered a predatory lender but WaMu is pretty straightforward. Good Luck!



Thank you BMax.
Message 31 of 52
Established Member

Re: Hello. I have a question about wamu/providian. I recently...

I get preapproval offers from Wamu almost monthly. However, I have been reluctant to apply because I have 2 other credit cards one with a $400 limit and the other with a $500 limit. Getting another card with a limit this low is a waste of my time. Anyone have an idea of the type of credit line I might receive from WAMU with credit scores that average around 640?
 
CCM
Message 32 of 52
Moderator Emeritus

Re: Hello. I have a question about wamu/providian. I recently...



ccm wrote:
I get preapproval offers from Wamu almost monthly. However, I have been reluctant to apply because I have 2 other credit cards one with a $400 limit and the other with a $500 limit. Getting another card with a limit this low is a waste of my time. Anyone have an idea of the type of credit line I might receive from WAMU with credit scores that average around 640?
 
CCM



WAMU will pull TU.. is that your TU score?
Message 33 of 52
Established Member

Re: Hello. I have a question about wamu/providian. I recently...

Yes, my score is 640 with TU. Do you think they will give me a CL of $1,500 or higher? I'd had to add another inquire to my file for a $500 CL.
 
Thanks!
CCM
Message 34 of 52
New Contributor

Re: Hello. I have a question about wamu/providian. I recently...

I really must chime in here. Wamu is simply the best! They helped me when no one else would.....preapproved, applied then got a starting $1,500 limit with high 5s and bk in 2000. For this I will Always faithfully pay and stay loyal forever. Smiley Happy
Message 35 of 52
Moderator Emeritus

Re: Hello. I have a question about wamu/providian. I recently...



ccm wrote:
Yes, my score is 640 with TU. Do you think they will give me a CL of $1,500 or higher? I'd had to add another inquire to my file for a $500 CL.
 
Thanks!
CCM


I suspect you would get approved.. can't say I agree on that limit persay.
Message 36 of 52
Moderator Emeritus

Re: If you got the app, I would apply.  Just be sure once app...



Brammy wrote:
 
 
You also get a free bankcard enhanced REAL FICO score on their website.



How does this work?  Which CR (EX, EQ, or TU) do they use for the score?  How often can you get an updated score?
-----------------
Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.
Message 37 of 52
Moderator Emeritus

Re: If you got the app, I would apply.  Just be sure once app...



masdeocho wrote:


Brammy wrote:
 
 
You also get a free bankcard enhanced REAL FICO score on their website.



How does this work?  Which CR (EX, EQ, or TU) do they use for the score?  How often can you get an updated score?


PFICO is the FICO score which Providian (WaMu) pulls for their own internal account review procedures. It is the bankcard-enhanced version.

http://www.providian.com/cmc/fico_simulator ro http://www.providian.com/cmc/cmc_land.htm


Message Edited by Tuscani on 05-16-2007 12:13 PM
Message 38 of 52
Moderator Emeritus

Re: If you got the app, I would apply.  Just be sure once app...



Tuscani wrote:


masdeocho wrote:


Brammy wrote:
 
 
You also get a free bankcard enhanced REAL FICO score on their website.



How does this work?  Which CR (EX, EQ, or TU) do they use for the score?  How often can you get an updated score?


PFICO is the FICO score which Providian (WaMu) pulls for their own internal account review procedures. It is the bankcard-enhanced version.

http://www.providian.com/cmc/fico_simulator ro http://www.providian.com/cmc/cmc_land.htm


Message Edited by Tuscani on 05-16-2007 12:13 PM

Thanks Tusc. 


Message Edited by masdeocho on 05-16-2007 01:17 PM
-----------------
Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.
Message 39 of 52
Moderator Emeritus

Re: If you got the app, I would apply.  Just be sure once app...



masdeocho wrote:


Tuscani wrote:


masdeocho wrote:


Brammy wrote:
 
 
You also get a free bankcard enhanced REAL FICO score on their website.



How does this work?  Which CR (EX, EQ, or TU) do they use for the score?  How often can you get an updated score?


PFICO is the FICO score which Providian (WaMu) pulls for their own internal account review procedures. It is the bankcard-enhanced version.

http://www.providian.com/cmc/fico_simulator ro http://www.providian.com/cmc/cmc_land.htm


Message Edited by Tuscani on 05-16-2007 12:13 PM

Thanks Tusc.  Is it at all comparable to any of the FICOs or  FAKOs?


It is your FICO. Its the only non-myfico.com that offers a TU FICO. Just remember.. it is bankcard enhanced.. so it may not be exactly what you see here.
Message 40 of 52