Recently I have been receiving "pre-approval" letters from WaMu with the usual reservation numbers, balance transfer deals, etc. I'm skeptical to reply, due to a bk7 from 2004 that had a Providian account included.
Should I apply?
I'm blacklisted by Wamu. Applied a couple months ago with pre-approval off my checking account and got instant denial, not even a credit pull. Letter came weeks later stating I had providian co so YMMV.
Well the denial letter should state the reason(s) why you were denied. Did they even pull your credit because with me they didnt even pull mine and my co was from 2001 also.
They do APR reductions. I asked for and got one in the not-so-distant past.