What is Exclusive Pre-Approved offer from Wamu means?

[Red1Blue]

I just got a letter from Wamu stating it is an Exclusive Pre-Approved offer for a Platinum Visa. What does it mean? Does it mean a guaranteed approval or let us pull your CR and see if we like your CR kind of thing? I have a previous charge off from Providian. I am not sure why they sent me this offer. Any ideas from those who have experience dealing with Wamu.

[Anonymous]

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concorduser wrote:

I just got a letter from Wamu stating it is an Exclusive Pre-Approved offer for a Platinum Visa. What does it mean? Does it mean a guaranteed approval or let us pull your CR and see if we like your CR kind of thing? I have a previous charge off from Providian. I am not sure why they sent me this offer. Any ideas from those who have experience dealing with Wamu.

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A preapproved offer always means they will pull your CR and make their decision based on that and information provided on your application.

If you have a Providian CO, you will be denied.  Don't fall for it.  They don't check whether everyone they send those things to have prior Providian baddies before they send them.

[Anonymous]

It is because they know you are a SUCKA and an APP ADDICT!!!

Shred it, sister!

Pre-approved, in my experience, means CALL US, SUCKER, AND LET US RUN YOUR CREDIT, AND THEN APPROVE YOU FOR 1/2-1/3 OF WHAT WE ADVERTISED ON THE BROCHURE.

[Red1Blue]

I like the idea of being able to get pfico scores from wamu. But I agree with you all. It is a trick and I am going to stay away from this. If they want me bad enough let them keep sending me the offers.

[Anonymous]

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concorduser wrote:

I like the idea of being able to get pfico scores from wamu. But I agree with you all. It is a trick and I am going to stay away from this. If they want me bad enough let them keep sending me the offers.

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No matter how many offers they send you, that won't change the fact that you have a Providian CO, which means you will be denied.

If you want to apply for WaMu, either get that CO removed or wait for it to drop.

[Red1Blue]

I am not sure what is that I can do get it removed. I am not in a hurry, I'll wait till it drops off my CR. I have real good cards and my scores keep going up. I want to fall for these tricks from the CCC companies.

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cheddar wrote:

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concorduser wrote:

I like the idea of being able to get pfico scores from wamu. But I agree with you all. It is a trick and I am going to stay away from this. If they want me bad enough let them keep sending me the offers.

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No matter how many offers they send you, that won't change the fact that you have a Providian CO, which means you will be denied.

If you want to apply for WaMu, either get that CO removed or wait for it to drop.

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[Anonymous]

Beleive it brother!

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cheddar wrote:

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concorduser wrote:

I just got a letter from Wamu stating it is an Exclusive Pre-Approved offer for a Platinum Visa. What does it mean? Does it mean a guaranteed approval or let us pull your CR and see if we like your CR kind of thing? I have a previous charge off from Providian. I am not sure why they sent me this offer. Any ideas from those who have experience dealing with Wamu.

---

A preapproved offer always means they will pull your CR and make their decision based on that and information provided on your application.

If you have a Providian CO, you will be denied.  Don't fall for it.  They don't check whether everyone they send those things to have prior Providian baddies before they send them.

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[Red1Blue]

Oh well, I pushed the button for the pre-approved offer. I got message stating needs further processing and they will get back to me in 14 days by US Mail. They pulled TU for me. Let us see what next two weeks brings to my Wamu App....

[Anonymous]

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concorduser wrote:

Oh well, I pushed the button for the pre-approved offer. I got message stating needs further processing and they will get back to me in 14 days by US Mail. They pulled TU for me. Let us see what next two weeks brings to my Wamu App....

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Oh concord, why, why, why????? Why did you do it!

[Red1Blue]

I really like the idea of being able to get free pfico scores from Wamu with their cards. If I do get wamu card then I can close my Hooters Card with $35 AF. I am just graduating the cards to higher level. With my TU scores in 700's I might get wamu card. Let us see what I hear from them in the next 2 weeks.

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scramblingin2007 wrote:

Oh concord, why, why, why????? Why did you do it!