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

[Anonymous]

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

[Anonymous]

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

[Anonymous]

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

[Anonymous]

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?

[Anonymous]

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.

[Anonymous]

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?

[Anonymous]

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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?

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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.

[haulingthescoreup]

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!

[Anonymous]

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....

[Anonymous]

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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....

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