topic Another reason why 'I HEART' WaMu...lol!! in Credit Cards

Another reason why 'I HEART' WaMu...lol!!

Anonymous — Wed, 28 Nov 2007 23:28:40 GMT

WaMu has been peppering me with emails about a PetSmart card. I have a cat and a pet python and just snake food can be expensive, not to mention habitats.

I knew I had what would be considered one of their rebuilder cards, though you couldn't tell it by the CLIs they give, but called a rep anyway to see about the possibility of converting this card to the PetSmart.

He was a great young man and didn't try to sell me a thing. He answered all my questons, including the one that the max limit I would ever see on my current product would be 7500.00. I pciked his brain about a million things and he was always smiling (you could hear it in his voice).

The good news is I am NOT able to convert (has that nasty two-cycle bill thing anyway). But the better news is WaMu will stay in my wallet for the long term. Won't be apping for the Petsmart card, too many cards as it is.

Message Edited by Brammy on 11-28-2007 06:28 PM

Re: Another reason why 'I HEART' WaMu...lol!!

Anonymous — Wed, 28 Nov 2007 23:49:46 GMT

Oh Brammy, that is a lovely story. And good info too. Thank you.

Re: Another reason why 'I HEART' WaMu...lol!!

Anonymous — Wed, 28 Nov 2007 23:51:13 GMT

Sorry but he left me smiling. Rare on a near-prime (?) card.

Re: Another reason why 'I HEART' WaMu...lol!!

Anonymous — Wed, 28 Nov 2007 23:55:53 GMT

I've never understood why they have max limits on certain cards. Who cares if it's a crappy product? If the person has good enough CBR and account history, who cares? Why not stick someone with a 760 with a crappy card with a super high limit? Does it matter what the plastic looks like?

Re: Another reason why 'I HEART' WaMu...lol!!

Anonymous — Wed, 28 Nov 2007 23:57:26 GMT

Actually I think its agreat product for the situation when I app'd. Auto-upgrade to cash back, 13% APR if I carry a balance, great CLIs. Maybe when I reach max, they will offer me some other great product. LOL!! As long as is doesn't two-cycle.

Re: Another reason why 'I HEART' WaMu...lol!!

Anonymous — Thu, 29 Nov 2007 00:01:25 GMT

I've read so much about the two-cycle and it confuses me so much. I can't seem to wrap my brain around how it works. I certainly must not have it. I know I make payments every month on all of my cards, so I probably don't have it. How does the grace periods work?

Re: Another reason why 'I HEART' WaMu...lol!!

Anonymous — Thu, 29 Nov 2007 00:03:37 GMT

TheCynicalOne wrote:

I've read so much about the two-cycle and it confuses me so much. I can't seem to wrap my brain around how it works. I certainly must not have it. I know I make payments every month on all of my cards, so I probably don't have it. How does the grace periods work?

Say your sttement falls with a 1000.00 balance, you pay 500.00. Your next bill will include interest for the enitre purchase from the day the purchase was made thus eliminating the interest free, initial 500.00 you would have under average daily balance billing.

Re: Another reason why 'I HEART' WaMu...lol!!

haulingthescoreup — Thu, 29 Nov 2007 00:08:15 GMT

How do they justify charging interest on the $500 you already paid? Other than the fact that it's in the t&c, that is!

Re: Another reason why 'I HEART' WaMu...lol!!

Anonymous — Thu, 29 Nov 2007 00:29:59 GMT

Darn, maybe I should have app'd WAMU rather than HSBC/BB-MC.... I WILL NOT APP until October 15, 2008 - SleighCenter for me and by then hopefully I will have gotten those 2 PFDs....

Re: Another reason why 'I HEART' WaMu...lol!!

Anonymous — Thu, 29 Nov 2007 00:31:33 GMT

Lady_Scarlet wrote:

Darn, maybe I should have app'd WAMU rather than HSBC/BB-MC.... I WILL NOT APP until October 15, 2008 - SleighCenter for me and by then hopefully I will have gotten those 2 PFDs....

Right there with you... January 09 for me...lol!! Going for another CU tho.

Re: Another reason why 'I HEART' WaMu...lol!!

haulingthescoreup — Thu, 29 Nov 2007 00:39:57 GMT

@Anonymous wrote:

WaMu has been peppering me with emails about a PetSmart card. I have a cat and a pet python and just snake food can be expensive, not to mention habitats.

Back when my kids were little, a speaker from a local raptor (owls, hawks, etc) rehabilitation program spoke at their school. She told them how hard it was to keep the supply of mice and bunnies and all coming to feed the injured birds. Well, our cats were great hunters, and we were always finding their prey at the front door. (If we could recognize them, we called them "critters", if not, we called them "parts." ) The speaker was supposed to come back to their school, and they wanted to present her with some of the critters. So we double-bagged them in Ziploc Baggies and stuck them in the freezer.

Meanwhile, my mother-in-law came for a visit, and she went to make herself a gin and tonic with lots of ice. You can guess the rest...

Re: Another reason why 'I HEART' WaMu...lol!!

Anonymous — Thu, 29 Nov 2007 00:42:03 GMT

Oh Hauling,wish I coulda been there.... Would she eat anything out of the fridge after that? That's why I don't feed my snake prekilled. Can;t stand the idea of rodents in the fridge.

Message Edited by Brammy on 11-28-2007 07:42 PM

Re: Another reason why 'I HEART' WaMu...lol!!

haulingthescoreup — Thu, 29 Nov 2007 00:44:25 GMT

Well, she did take us out to dinner that night!

Re: Another reason why 'I HEART' WaMu...lol!!

Anonymous — Thu, 29 Nov 2007 02:23:13 GMT

How does the cat react to the python? Or, more importantly, how does the python view the cat?

My 16yo cat passed away in June. Yesterday I finally visited a shelter & may soon be adopting one.

Brammy wrote:
WaMu has been peppering me with emails about a PetSmart card. I have a cat and a pet python and just snake food can be expensive, not to mention habitats.

Re: Another reason why 'I HEART' WaMu...lol!!

Anonymous — Thu, 29 Nov 2007 02:25:04 GMT

I was wondering that too til the cat jumped in my lap while I was holding the python. Luckily the python wasn't hungry and the cat was only sniff interested...lol!! Hoe she doesn't try that on a feeding day. that thing has a grip.

Message Edited by Brammy on 11-28-2007 09:25 PM

Re: Another reason why 'I HEART' WaMu...lol!!

haulingthescoreup — Thu, 29 Nov 2007 02:47:35 GMT

@Anonymous wrote:
How does the cat react to the python? Or, more importantly, how does the python view the cat?
My 16yo cat passed away in June. Yesterday I finally visited a shelter & may soon be adopting one.

Good for you! All our cats have either come from the shelter or turned up at the door. I'm sorry about your cat. Our ancient one finally packed it in a year ago at age 19.

Re: Another reason why 'I HEART' WaMu...lol!!

Anonymous — Thu, 29 Nov 2007 02:50:45 GMT

Thats funny we always pick up what we think are strays but maybe they belong to someone. I have vaccinated and fixed so many cats...lol!!! They are all strays that follow my kid home and usually in a matter of months they wonder back to where they came from. My vet even asked where I was getting all the cats. BoJangles, the one here now just walked up on the porch this summer and won't go away. Wonder if the cats are spreading the word...lo!

Re: Another reason why 'I HEART' WaMu...lol!!

haulingthescoreup — Thu, 29 Nov 2007 02:53:25 GMT

Somewhere out in your yard, you have that old tramp sign: Kind Woman Lives Here.

Re: Another reason why 'I HEART' WaMu...lol!!

Anonymous — Thu, 29 Nov 2007 02:58:00 GMT

haulingthescoreup wrote:
Somewhere out in your yard, you have that old tramp sign: Kind Woman Lives Here.

LOL! Hauling. I think a lot of people bring animals up here and drop them off to fend for themselves. Had some cuties and think the ones that have disappered have gone by way of a fisherman thinking they found a cute stray. The one here now is pure white with green eyes and was just barely a kitten. Wouldn't stop following me everytime I came out so I had to feed her. Got a black one with white socks that sleeps on th porch in my rocker.

Re: Another reason why 'I HEART' WaMu...lol!!

Anonymous — Thu, 29 Nov 2007 03:14:50 GMT

Yeah, I got her when she was a wee kitten, plucked her from a semi-feral barn cat litter. Great cat, still miss her.

The shelter I visited is up to its ears in cats, too many choices, but I did connect with 2 or 3 so will probably go back to visit & I know I'll likely adopt one of them.

Your 19yo had a long life, tough when they finally depart.

haulingthescoreup wrote:
Good for you! All our cats have either come from the shelter or turned up at the door. I'm sorry about your cat. Our ancient one finally packed it in a year ago at age 19.

Message Edited by Anderson on 11-28-2007 07:14 PM