topic Re: WaMu's "Find my offer" page in Credit Cards

WaMu's "Find my offer" page

Anonymous — Fri, 11 Apr 2008 20:59:33 GMT

I've seen folks say that it's doubtful WaMu does a true soft pull via their "Find my offer" page. I do not have an account with them, but wanted to see what the alleged soft pull would produce, so I created a login.

Platinum MasterCard
9.99%–19.99%
0% for the first 6 billing cycles
No AF

Has anyone been offered something different than the above?

Edited to add: Also, I noticed after the "Find my offer" click, it routed me to providiancard.com. Is that standard?

Message Edited by mjgray on 04-11-2008 01:59 PM

Re: WaMu's "Find my offer" page

Anonymous — Fri, 11 Apr 2008 21:01:35 GMT

mjgray wrote:
I've seen folks say that it's doubtful WaMu does a true soft pull via their "Find my offer" page. I do not have an account with them, but wanted to see what the alleged soft pull would produce, so I created a login.

Platinum MasterCard
9.99%–19.99%
0% for the first 6 billing cycles
No AF

Has anyone been offered something different than the above?

Edited to add: Also, I noticed after the "Find my offer" click, it routed me to providiancard.com. Is that standard?

Message Edited by mjgray on 04-11-2008 01:59 PM

Where do you see the "find my offer" option at the wamucards.com site?

Re: WaMu's "Find my offer" page

Anonymous — Fri, 11 Apr 2008 21:05:33 GMT

wamu.com

After logging in..

Credit Cards > WaMu Platinum MasterCard > "Find my offer" button

Re: WaMu's "Find my offer" page

Anonymous — Fri, 11 Apr 2008 21:14:20 GMT

Take advantage of a 1.99% rate on balance transfers until February, 2009!

For any balances you decide to transfer today, you'll receive a low introductory rate of 1.99% until your February, 2009 statement date. After that, your balance transfers will be at a variable rate of Prime + 18.74%. Using the Prime Rate in effect for billing cycles beginning in April, 2008 as an estimate, this APR would be 23.99%.

Now that's funny!!!

Re: WaMu's "Find my offer" page

Anonymous — Fri, 11 Apr 2008 23:47:52 GMT

Faircreditguy, did that show up under a new Platinum MC offer, or for an existing account?

Re: WaMu's "Find my offer" page

llecs — Fri, 11 Apr 2008 23:54:35 GMT

Mjgray, same here. Also don't have an account but created a login.

Re: WaMu's "Find my offer" page

Anonymous — Fri, 11 Apr 2008 23:58:05 GMT

I just got approved for this card! Intro apr 0% thru oct 08.. then 8.49%

Re: WaMu's "Find my offer" page

Anonymous — Sat, 12 Apr 2008 00:00:38 GMT

Not all cards
are the same

No annual fee
30-second online response when you apply
$0 fraud liability on unauthorized purchases
Great competitive rates

Re: WaMu's "Find my offer" page

Red1Blue — Sat, 12 Apr 2008 00:38:45 GMT

Congrats....

Re: WaMu's "Find my offer" page

Anonymous — Sat, 12 Apr 2008 01:53:27 GMT

I'm a firm believer that it's a real soft pull. The card that is offered is the same for everyone (standard WaMu Platinum MasterCard), but the terms vary by APR and CL. I've seen APRs on the peapproval as low as 9.99 and as high as 12.99 (although they probably go higher), and CLs that say "up to $7500" and others that say "up to $30,000."

Re: WaMu's "Find my offer" page

Anonymous — Sat, 12 Apr 2008 03:20:02 GMT

Washington Mutual Platinum MasterCard®

0% FIXED APR for 6 months on Purchases and Balances Transferred Now (not on Cash Advances)*

No annual fee!

$0 liability on unauthorized transactions

Platinum MasterCard credit card benefits

Your APR for balance transfers will be 0% for the first 6 months and a variable rate of 9.99% to 19.99% (depending on your credit) after that.

Not apping today but I was curious and wanted to share that my offer was different as well.

Re: WaMu's "Find my offer" page

Niki9 — Sat, 12 Apr 2008 15:17:15 GMT

MinnesotaJ wrote:

Washington Mutual Platinum MasterCard®

0% FIXED APR for 6 months on Purchases and Balances Transferred Now (not on Cash Advances)*

No annual fee!
$0 liability on unauthorized transactions
Platinum MasterCard credit card benefits

Your APR for balance transfers will be 0% for the first 6 months and a variable rate of 9.99% to 19.99% (depending on your credit) after that.
Not apping today but I was curious and wanted to share that my offer was different as well.

This is the exact one that I got

I already have this card. The just raised the intrest rate. It is way too high now. Had to BT everything.

Re: WaMu's "Find my offer" page

krdvg — Sat, 12 Apr 2008 20:17:01 GMT

So its a soft pull for the pre-approval, but there will be a hard pull eventually?

Re: WaMu's "Find my offer" page

Anonymous — Sat, 12 Apr 2008 21:27:34 GMT

@Anonymous wrote:
Faircreditguy, did that show up under a new Platinum MC offer, or for an existing account?

Current account... and my current APR is nothing near 23.99%!

Re: WaMu's "Find my offer" page

Anonymous — Sun, 13 Apr 2008 00:28:21 GMT

krdvg wrote:
So its a soft pull for the pre-approval, but there will be a hard pull eventually?

Peapprovals are soft pulls. If you actually apply, even if it's based on the preapproval, expect a hard pull.