What are the chances?

[Anonymous]

I recently had a Wamu Credit card closed for nonpayment, and my credit score went to 555. Since then, about 5 months I was able to get it to 650, what are my chances of getting another wamu mastercard?

[Creditaddict]

i would call about reinstatement of the closed account not apply for new.

[Anonymous]

I tried that, they told me they wouldnt reinstate, but i would have to apply again once my credit was over 650.

[Creditaddict]

and the old account is paid off?

[Anonymous]

Yep I completely paid it off. I really wish I never let it get so bad in the first place, I was not even thinking it was close to getting closed.

[Creditaddict]

my personal feeling is banks are running scared right now from people who miss payments, they managed to get there account paid off once, i don't think they would risk it again right now by giving you another card.

I could totally be wrong, since your scores qualify you under normal circumstances but i just might take my hard inq. elsewhere.

[Anonymous]

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Creditaddict wrote:

my personal feeling is banks are running scared right now from people who miss payments, they managed to get there account paid off once, i don't think they would risk it again right now by giving you another card.

I could totally be wrong, since your scores qualify you under normal circumstances but i just might take my hard inq. elsewhere.

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I Agree.