WAMU Credit Card

[Anonymous]

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quizzer wrote:

This is a great forum. I'm almost decided about going with WAMU mastercard now.

Just one question - Can Cheddar or somebody tell me about the electronic card payment process from wamucards.com?

I have wamu checking and wells fargo checking account.

How easy/difficult is to pay the credit card from any of these checking accounts?

Is there any setup involved (verifying account process or paperwork etc)?

Thanks

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No paperwork involved.  You set up your bank account information on the WaMu CC site and specify that account as the source of your electronic payments.

When you select a date for the payment, there is a hefty fee for selecting the current date, so always make sure to initiate the payment a few days before you need it to be applied.

[Anonymous]

Is there any advantage with adding spouse as "Authorized User" given that AU is not reported to CR's.?

The only reason i can think of is she can have that card for her use.

Thanks

[Anonymous]

Good luck in applying quizzer! Please let us know how it went.

I love my WaMu cards as well. The only problem I had with them was Feb.2007 when they CLD'd me from $3,200 to $1,320(it was a Providian card). But I don't blame them, because my PFICO score was 521, and I was at 85%-90% utils on all my cards(this was during my credit coma days, btw). Since then, cleaned up my CR's, responded to a pre-app offer, granted with a nice $6,500 cl back in November.

[Anonymous]

I love my WAMU Visa and Mastercard!!! Go for it!!!

[Anonymous]

One more question - if for some reason i'm unable to do the electronic payment, can i go to the wamu physical branch and make the card payment?

Thanks

[Anonymous]

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quizzer wrote:

Is there any advantage with adding spouse as "Authorized User" given that AU is not reported to CR's.?

The only reason i can think of is she can have that card for her use.

Thanks

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WaMu does report AUs to CRs.  I am AU on my fiancee's card and it's on my CR.

You may be thinking of the fact that when the newest version of FICO scoring is implemented, it will no longer count AUs for scoring purposes.  That has not gone into effect yet, and even after it does, there is good reason to believe that AUs will still be reported, even if the scoring algorithm will simply ignore them.

[Anonymous]

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quizzer wrote:

One more question - if for some reason i'm unable to do the electronic payment, can i go to the wamu physical branch and make the card payment?

Thanks

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I don't know the answer to this one.  Sorry.

[stefanc]

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@Anonymous wrote:

One more question - if for some reason i'm unable to do the electronic payment, can i go to the wamu physical branch and make the card payment?

Thanks

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First post after lurking about for a while... Yes, I paid my WAMU card at a branch yesterday and the payment is posted online today

[Anonymous]

Hi stefanc! Welcome to the forums.

[Anonymous]

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@Anonymous wrote:

This is a great forum. I'm almost decided about going with WAMU mastercard now.

Just one question - Can Cheddar or somebody tell me about the electronic card payment process from wamucards.com?

I have wamu checking and wells fargo checking account.

How easy/difficult is to pay the credit card from any of these checking accounts?

Is there any setup involved (verifying account process or paperwork etc)?

Thanks

---

I have two checking accounts, and both are in the electronic system. I can choose which checking account to pay with. (I adore that!) Also be aware of what cheddar said, this site costs you to make a payment on the same day. So be sure you pay attention to that. Actually you can't miss it, they give you the option of express payment which is today's date at a fee of $14.95, or a standard payment no fee. You can set that date to next day and have no problems!