WaMu Must Be The Only One that...

[ccaddict]

Anyone know if wamu secured gets converted to unsecured?

Didn't know there was a secured till I went in their banking center 6 months back. They said its something new they had started with a $29 AF.

I still have their t&c. Didn't get it though due to too many inq's on chex.

[Anonymous]

First card  Paypal then bought out by WAMU . Have had an cli increase every six months.

Started at 1,000 two years ago now 5,000.

Woody

Message Edited by klin on 12-13-2007 12:12 PM

[Anonymous]

All these increases and I haven't gotten one...I must have really pissed someone off over there or something.

[Anonymous]

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@ccaddict wrote:
Anyone know if wamu secured gets converted to unsecured?

Didn't know there was a secured till I went in their banking center 6 months back. They said its something new they had started with a $29 AF.

I still have their t&c. Didn't get it though due to too many inq's on chex.

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When I was in my WaMu branch just the other day I asked the financial representative that exact question. She said that they don't graduate or convert the secured cards to unsecured ones - they just open a new TL for you. Not sure about how they would handle the account age though.

[Anonymous]

HOw did you improve your score so quickly? Can you share your secret?

[Anonymous]

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@Anonymous wrote:

Yep I have always gotten auto-clis from Wamu....nice.

At three years how much are you up to?

Message Edited by Brammy on 12-13-2007 08:29 AM

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I started at 4K and I'm now at 12.5K --

[Anonymous]

My hero!! 

[fused]

It's been my experience that BoA, Chase and FIA do auto CLIs. Not sure about Amex because I was aggressively raising my CL via the luv button.

[Anonymous]

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@fused wrote:

It's been my experience that BoA, Chase and FIA do auto CLIs. Not sure about Amex because I was aggressively raising my CL via the luv button.

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Interesting, maybe its card or region-specific...because I've never gotten an auto cli from Chase and all my CLIs from BOA were vis vi a request originating from me...

Also, I must add that at many times during my WaMu card history my utilization was between 45-75%--however, I still got those periodic increases...this was odd, but very helpful!! I assume they were looking at how frequently i paid more than the minimum (which was always) and my overall on time payment history--

Also my FICO score was also never that high...until more recently...it hovered between 610 and 650 the past three years.

[Anonymous]

Yep Wamu likes for you to use her card..... I took advantage of their short-term BTs and paid them off before they ran out.  I have had that card up to 90% uti.  Not recently though... think I will us a BT check they warned me about and take advantage of another 6 mos.