topic Re: Wamu in Credit Cards

Wamu

laryn41 — Tue, 08 Apr 2008 13:46:18 GMT

Does wamu have a preapproval site?

Re: Wamu

Anonymous — Tue, 08 Apr 2008 13:51:58 GMT

Yep-

https://online.wamu.com/personal/credit_card/platinum_mastercard/default.asp

You have to sign in first- and see pre-approval offers.

This is how I got my MC.

Re: Wamu

Anonymous — Tue, 08 Apr 2008 16:06:48 GMT

Timothy, I registered. It wouldn't let me use my existing u.n. & p.w. for the cc accounts I have with them. (not complaining..no biggie, just fyi.)

I get the strong impression that where I am taken is actually the page where you apply for the card. It has all the information that a mailed pre-approval has, including ssn, HHI, balance transfer options, etc.

Could I be mis-interpreting this?

Re: Wamu

GST2008 — Tue, 08 Apr 2008 16:16:24 GMT

On the WAMU sight, I don't think that the pre-approval page actually works unless you have an account with them already. I created a password and name to try and see, but it doesn't work for me (it doesn't request any SSN info. for a soft pull). I'm just taken to the regular Plat. MC application page.

Re: Wamu

Anonymous — Tue, 08 Apr 2008 16:51:12 GMT

@GST2008 wrote:
On the WAMU sight, I don't think that the pre-approval page actually works unless you have an account with them already. I created a password and name to try and see, but it doesn't work for me (it doesn't request any SSN info. for a soft pull). I'm just taken to the regular Plat. MC application page.

I do. It's not a bank account, but 2 cc's.

Maybe they require for you to have a bank account or some saving vehicle with them before the pre-approval site works. *shrug*

Re: Wamu

Anonymous — Tue, 08 Apr 2008 16:53:08 GMT

If you're just seeing the application page, then they don't have a preapproval for you.

If you're seeing an offer for a Plat MC with a specific rate in the T&C (not a range of possible rates), then that is a preapproval.

They don't need SSN to pull your CR.

Re: Wamu

GST2008 — Tue, 08 Apr 2008 19:04:18 GMT

Really? I thought they need it to pull a CR. BoA and Amex both require it for a soft report to be run. That's interesting.

Re: Wamu

Anonymous — Tue, 08 Apr 2008 19:06:51 GMT

GST2008 wrote:
Really? I thought they need it to pull a CR. BoA and Amex both require it for a soft report to be run. That's interesting.

Nope, it's not needed. SSN is not even needed to report a tradeline. My DF added me as AU on her WaMu card, and the account showed up on my CRs. WaMu never asked for my SSN before issuing the card.

Re: Wamu

GST2008 — Tue, 08 Apr 2008 19:12:49 GMT

That's kind of creepy in a way.

Re: Wamu

Anonymous — Tue, 08 Apr 2008 19:27:03 GMT

GST2008 wrote:
That's kind of creepy in a way.

I had the same thought when it happened.

Re: Wamu

nation-x — Sat, 19 Apr 2008 18:31:31 GMT

So much for preapproval... it said I was preapproved for an MC and then after I filled out the app it said they were sorry they couldn't give me a card... how retarded.

Re: Wamu

unknown_entity — Sat, 19 Apr 2008 19:11:49 GMT

I heard that they cross reference addresses and phone numbers to report an AU for which they have no SSN on file for. A B of A rep told me that I think. That's why sometimes an AU won't show up on all three reports. One CRA might have conflicting information they can't verify so they don't report it.