topic Re: Providian in Credit Cards

Providian

rred4 — Tue, 30 Oct 2007 08:31:53 GMT

If i had a providian in 5/2000 and never paid on it and now its off because 7 year rule does anyone think I can get a wamu credit card

Re: Providian

oneloveforall_2000 — Tue, 30 Oct 2007 10:25:54 GMT

I think they always remember!!

Re: Providian

Anonymous — Tue, 30 Oct 2007 11:06:35 GMT

I called Providian to ask if they would stop reporting lates from 2003 and was told their system didn't go back that far.

Re: Providian

Anonymous — Tue, 30 Oct 2007 11:36:34 GMT

They blacklist-

@rred4 wrote:
If i had a providian in 5/2000 and never paid on it and now its off because 7 year rule does anyone think I can get a wamu credit card

Re: Providian

oneloveforall_2000 — Tue, 30 Oct 2007 11:46:59 GMT

Timothy wrote: They blacklist-
@rred4 wrote:
If i had a providian in 5/2000 and never paid on it and now its off because 7 year rule does anyone think I can get a wamu credit card

Yes they will blacklist you.

Message Edited by oneloveforall_2000 on 10-30-2007 07:46 AM

Re: Providian

Anonymous — Tue, 30 Oct 2007 12:22:02 GMT

Hello,

Since your account with Providian went bad so long ago, i would give WAMU a chance. It is true that WAMU bought out Providian in June/2005 but that doesnt necessarily mean it will affect your chances of getting a card with them.

This is just my opinion and of course is subject to being incorrect.

Robo

Re: Providian

Anonymous — Tue, 30 Oct 2007 13:28:37 GMT

I'm in the same boat, so if you give it a try, please post your results. I currently have checking/savings/cd accounts with WAMU. My past derogs w/Providian are scheduled to delete by 3/2008.

Re: Providian

Anonymous — Tue, 30 Oct 2007 13:34:37 GMT

I love someone trying to be positive-

However- Without any doubt whatsoever - WAMU will not approve your card if you defaulted with Providian and did not pay them.

@Anonymous wrote:
Hello,

Since your account with Providian went bad so long ago, i would give WAMU a chance. It is true that WAMU bought out Providian in June/2005 but that doesnt necessarily mean it will affect your chances of getting a card with them.
This is just my opinion and of course is subject to being incorrect.
Robo

Re: Providian

rred4 — Tue, 30 Oct 2007 20:07:19 GMT

So when wamu bought providian they still have all the old records even if the account was sold to another creditor

Re: Providian

SmartCookie — Tue, 30 Oct 2007 21:49:21 GMT

Timothy is saying they blacklist... so that would indicate so. If you can pay it, take the INQ, and want a WaMu card, apply and see if you can settle.

As for Providian's older records... disputes seem to result in complete loss of TLs if it's worth it to anyone now. No old records to check lates on etc.

Re: Providian

Anonymous — Wed, 31 Oct 2007 00:14:15 GMT

I had a Providian CO in 2000 as well. Applied for WaMu and declined due to this. Called in and the CSR told me in no uncertain terms that I would be denied "until further notice". So I guess there is a permanent blacklist for Providian COs...even though there is no such TL on any of my CR. I guess WaMu's memory is longer than EQ, EX and TU

Re: Providian

SmartCookie — Wed, 31 Oct 2007 00:16:51 GMT

Phouchg wrote:
I had a Providian CO in 2000 as well. Applied for WaMu and declined due to this. Called in and the CSR told me in no uncertain terms that I would be denied "until further notice". So I guess there is a permanent blacklist for Providian COs...even though there is no such TL on any of my CR. I guess WaMu's memory is longer than EQ, EX and TU

Did they tell you how you might be able to clear it if you chose, or lead into it? They might not unless you ask, due to SOL. I'm just curious for my own knowledge.

Re: Providian

Anonymous — Wed, 31 Oct 2007 02:32:42 GMT

The CSR said that because I caused Providian a loss in the past, I would never be considered for a WaMu card. Sheesh. Even AMEX has the Oasis program. I guess with WaMu there is no forgiveness in this life or in the world to come.

Re: Providian

Anonymous — Wed, 31 Oct 2007 03:28:25 GMT

I BK'd Providian in 2001. I applied for WAMU card in March 2007, and I received an instant approval. It may have something to do my prior credit history before BK. Not sure but I wasn't "Blacklisted" as some suggest.

Re: Providian

BetterTomorrow — Mon, 31 Dec 2007 13:46:58 GMT

I know this is an old thread but I might help some people. I defaulted on Providian in 2002 and this debt has been sold to Midland Collections (this is still on my record). Last year in August, Wamu sent me a pre-approved application which I applied and got rejected. Well this year, in November, I was offered the same pre-apporved Wamu Visa, I reapplied, and got accepted. Go figure... So even if you get rejected the first time, give it some time and you will get accept it eventually. One question though, since some of you mentioned that Providian doesn't keep old records, does this mean I can dispute the negative report from Providian? If so, how do I go about it? Thanks

Re: Providian

Anonymous — Mon, 31 Dec 2007 14:59:21 GMT

will they blacklist you for checking and savings also...

Re: Providian

Anonymous — Mon, 31 Dec 2007 17:59:35 GMT

BetterTomorrow wrote:
I know this is an old thread but I might help some people. I defaulted on Providian in 2002 and this debt has been sold to Midland Collections (this is still on my record). Last year in August, Wamu sent me a pre-approved application which I applied and got rejected. Well this year, in November, I was offered the same pre-apporved Wamu Visa, I reapplied, and got accepted. Go figure... So even if you get rejected the first time, give it some time and you will get accept it eventually.

I didn't default on my lil' old Providian card, however I requested the acct be closed because I got tired of getting hit with their crazy fees. I had a $250 limit and it stayed there a LOT. I knew I didn't have the self-discipline at the time to stop using it, so closing was my best option at the time. (I know this goes against credit god wisdom, but I was in a bad situation at the time and had another major CC w/ a 1500 limit.)

Fast forward to 5 years after I closed the Prov CC. I've rec'd the pre-app WAMU offers TWICE and have been declined TWICE. I have given up and decided it's their loss, not mine.

Re: Providian

Anonymous — Mon, 31 Dec 2007 20:06:56 GMT

I defaulted on Providian back in 2000. Account was turned over to a CA, and I was able to have both accounts removed from my credit report in 2005. In summer of 2007, received an offer for a WAMU card, applied online, and was accepted. Maybe I slipped through the cracks, but I definitely wasn't blacklisted.

Re: Providian

Anonymous — Mon, 31 Dec 2007 23:31:42 GMT

Timothy wrote:
I love someone trying to be positive-

However- Without any doubt whatsoever - WAMU will not approve your card if you defaulted with Providian and did not pay them.
+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

Sorry to disagree with you Timothy, but I defaulted on a Providian card years ago when I had to file BK due to illness and now I have a WAMU Platinum. Also, a few years later, my DW had a Providian card sold when WAMU bought them out and she was turned down for a WAMU card several times, but now has a Platinum card as well. Seems as though time does heal some things.

Sleigh17

Re: Providian

Anonymous — Tue, 01 Jan 2008 05:03:01 GMT

Well I can be wrong - at least once(or 20)

I am still trying to get a good handle on the process of the Wamu/providian/SST thing they have going on even with a good friend that has worked for WAMU for a long time.

Opened my WAMU when I banked with them.

The DW had 2 providian cards one when to WAMU one went to SST.

sleigh17 wrote:

Timothy wrote:
I love someone trying to be positive-

However- Without any doubt whatsoever - WAMU will not approve your card if you defaulted with Providian and did not pay them.
+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

Sorry to disagree with you Timothy, but I defaulted on a Providian card years ago when I had to file BK due to illness and now I have a WAMU Platinum. Also, a few years later, my DW had a Providian card sold when WAMU bought them out and she was turned down for a WAMU card several times, but now has a Platinum card as well. Seems as though time does heal some things.

Sleigh17