WaMu pre-app for 0% BT

[Anonymous]

Funny you resurrected this thread, FaircreditguyFL, because I was just about to do the same thing.

I just wanted to mention that I received some of those checks in the mail today.  1.99% until April 2009.

[Anonymous]

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FaircreditguyFL wrote:
I receive tons of 1.99% transfers, as Cheddar stated, every couple of weeks. My first WaMu card was originally 19.99%, which is now 10.24%. I was approved for their new offer - referred to by the OP, for UP to $7500. Was given $5000 and 9.99% APR after the year of 0%/0%.

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Congrats!

WaMu has some of the best into offers on purchases I've seen.  When I got my WaMu Real Rewards MC in April, they gave me 0% on purchases until Jan 1, 2010, and then 11.99% after that.

The catch was that in order to receive the 0% offer, I had to do a BT of at least $100 at the time of application.  So I BT'd $100 from my Cap1 card and paid it off as soon as it posted.  Got the best of both worlds that way.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
I receive tons of 1.99% transfers, as Cheddar stated, every couple of weeks. My first WaMu card was originally 19.99%, which is now 10.24%. I was approved for their new offer - referred to by the OP, for UP to $7500. Was given $5000 and 9.99% APR after the year of 0%/0%.

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Congrats!

WaMu has some of the best into offers on purchases I've seen. When I got my WaMu Real Rewards MC in April, they gave me 0% on purchases until Jan 1, 2010, and then 11.99% after that.

The catch was that in order to receive the 0% offer, I had to do a BT of at least $100 at the time of application. So I BT'd $100 from my Cap1 card and paid it off as soon as it posted. Got the best of both worlds that way.

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Did you get the mastercard or visa? I have their mastercards, which if I'm not mistaken is an original WaMu product. Providian issues/issued the visa product, if my history is correct, which I refuse to accept.

[Anonymous]

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FaircreditguyFL wrote:

Did you get the mastercard or visa? I have their mastercards, which if I'm not mistaken is an original WaMu product. Providian issues/issued the visa product, if my history is correct, which I refuse to accept.

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I got the Real Rewards MC, not the standard non-rewards Platinum MC.  They used to send me offers for the Platinum MC about 3 times a week, with the occasional offer for the Visa thrown into the mix now and then.  I mostly ignored them because I didn't want another non-rewards card, but as soon as the offer for the Real Rewards MC came, I jumped on it and they gave me $15K.

The rewards are not that great, but as long as I have a high CL that earns something, I'm happy with them.

[Anonymous]

I'd be happy with the 15k, too. And, yes, that is a great reward. Is it cash or points?

[Anonymous]

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FaircreditguyFL wrote:
I'd be happy with the 15k, too. And, yes, that is a great reward. Is it cash or points?

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It's points.  They can be redeemed for gift cards at a rate of about 0.8%, or for cash at a rate of 0.5%.  Like I said, not great, but better than nothing.

[Anonymous]

Your right! Not great at all - lol. However, my platinum cards offer no rewards. So, you are doing far better than me.

[Anonymous]

9 months at 1.99 with a BT fee does not get me exited.

Even my Capone gives me better offer than that.

I even recently got a BT offer from WAMU that after the BT the balance went to a Cash Advance rate- into the sheader.

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cheddar wrote:

Funny you resurrected this thread, FaircreditguyFL, because I was just about to do the same thing.

I just wanted to mention that I received some of those checks in the mail today.  1.99% until April 2009.

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[Anonymous]

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@Anonymous wrote:

9 months at 1.99 with a BT fee does not get me exited.

Even my Capone gives me better offer than that.

I even recently got a BT offer from WAMU that after the BT the balance went to a Cash Advance rate- into the sheader.

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@Anonymous wrote:

Funny you resurrected this thread, FaircreditguyFL, because I was just about to do the same thing.

I just wanted to mention that I received some of those checks in the mail today. 1.99% until April 2009.

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Which is why you pay off the debt prior to the 9 month period. 1.99% is good. Would I transfer $10,000 to the account if I didn't have the ability to pay it off or BT to another card. NO! If i chose to run a balance, I would rather it be 1.99%, or lower, rather than 8.99% or higher.

[Anonymous]

Hey all you helpful folks!

Since I have allready applied & entered the info for a BT from the Providian card to the WaMu offer, have I shot myself in the foot in regards to getting approved for anything?

Can I call them and say I was half in the bag on a holiday & didn't read the Terms correctly?

I actually DID NOT see the 'BTs can not be used to pay other Washington Mutual obligations' until I sobered up & re-read the entire terms & conditions .They had one term sheet connected to the offer that I read, and I guess I just honed in on that, and chose to read no further!  

I suppose I'm just looking for some moral support. I imagine I will get denied, but maybe someone else has done something along these lines & can share their experience? 

Not the drinking but filling out a CC application incorrectly.

Thanks.