"Never Drink And Apply"
WaMu Platinum MasterCard® Review
Written by: swipe46 on 2008-10-24
Overall Satisfaction
Customer Service
Rewards
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swipe46's review: 
Went out afer work with a few friends the other night. When I got home decided to go through my mail... Trash, trash, a bill trash(just joking), oh, pre-approval letter. I open "... You are pre-approved up to 7,500..." By the way, this is for WAMU. Though I told myself I would not apply for anything else those little credit card devils were on both my shoulder saying "do it, doit". As I stumbled to my computer and went to the invitation site and filled everything out, the love button looked like another Baracadi and Coke. I went to pick it up and before I knew it, I see that checker light going from left to right (processing). It came back approved for 5K. I turned off the computer and went to bed. When I woke, I don't know which was worse, the hang-over and that additional inquiry on my credit report. The moral... Never Drink and Apply.
Went out afer work with a few friends the other night. When I got home decided to go through my mail... Trash, trash, a bill trash(just joking), oh, pre-approval letter. I open "... You are pre-approved up to 7,500..." By the way, this is for WAMU. Though I told myself I would not apply for anything else those little credit card devils were on both my shoulder saying "do it, doit". As I stumbled to my computer and went to the invitation site and filled everything out, the love button looked like another Baracadi and Coke. I went to pick it up and before I knew it, I see that checker light going from left to right (processing). It came back approved for 5K. I turned off the computer and went to bed. When I woke, I don't know which was worse, the hang-over and that additional inquiry on my credit report. The moral... Never Drink and Apply.
8 Comments
Comment 1 by hjm331
Congrats? 
on 2008-10-24
How is this a bad thing? You got approved for a nice card with a very good limit.
on 2008-10-24 How is this a bad thing? You got approved for a nice card with a very good limit.
Comment 2 by cfmdev49
Didn't Chase Buy Them Out? on 2008-10-24
Thought I heard that Chase bank bought them... Maybe you will be converted to a chase card at some point... Anyway... Good luck with it...
on 2008-10-24 Thought I heard that Chase bank bought them... Maybe you will be converted to a chase card at some point... Anyway... Good luck with it...
Comment 3 by wildrage2
Chase on 2008-10-24
Chase has definately bought them. My WaMu ATM card is now good at any Chase location with no fee. It helps a lot in the NYC area. All cards will be converted sometime in late January or early February. I just hope they keep everyone at their limits and don't close any subprime accounts...
on 2008-10-24 Chase has definately bought them. My WaMu ATM card is now good at any Chase location with no fee. It helps a lot in the NYC area. All cards will be converted sometime in late January or early February. I just hope they keep everyone at their limits and don't close any subprime accounts...
Comment 4 by thomas1
WAMU on 2008-10-24
That is hilarious! Nice CL... Enjoy your card!
It will be converted over to Chase soon, which won't be a bad thing either
on 2008-10-24 That is hilarious! Nice CL... Enjoy your card!It will be converted over to Chase soon, which won't be a bad thing either
Comment 5 by rivasglo
Congrats! on 2008-10-24
Congrats and I will keep this comment in mind.
never drink and apply.
;) lol
on 2008-10-24 Congrats and I will keep this comment in mind.never drink and apply.
;) lol
Comment 6 by charonh
Congratulations! on 2008-10-24
I agree with the first poster, I do not see how this is a bad thing. I have a Visa with Wamu and don't any complaints. Just always make sure you go online two days before you due date or else you will have to pay an additional amount are be late. I hope they do not convert my card, although I know they probably will. We do not have any Chase branches in Georgia so I guess having them would be a plus. Chase is ok if you're impeccable.
on 2008-10-24 I agree with the first poster, I do not see how this is a bad thing. I have a Visa with Wamu and don't any complaints. Just always make sure you go online two days before you due date or else you will have to pay an additional amount are be late. I hope they do not convert my card, although I know they probably will. We do not have any Chase branches in Georgia so I guess having them would be a plus. Chase is ok if you're impeccable.
Comment 7 by wanderer
WAMU To JPMorganChase on 2008-10-25
According to the info Chase has supplied... They need 6 - 12 months to completely absorb WAMU. They hope to start replacing WAMU Cards as they come up for renewal and new cards when applied for. Note they said it would take some time. I am interested in their underwriting. There website for new card apps always asks and no Bk's on file at the credit bureau!!! So much for helping the sub-prime market!
on 2008-10-25 According to the info Chase has supplied... They need 6 - 12 months to completely absorb WAMU. They hope to start replacing WAMU Cards as they come up for renewal and new cards when applied for. Note they said it would take some time. I am interested in their underwriting. There website for new card apps always asks and no Bk's on file at the credit bureau!!! So much for helping the sub-prime market!
Comment 8 by rsty99
Congrats Also on 2008-10-27
Congrats get these offers every 2 weeks glad to see you were approved.
on 2008-10-27 Congrats get these offers every 2 weeks glad to see you were approved.
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Disclaimer: This content is not provided by Washington Mutual Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Washington Mutual Bank. Review content is powered by Finance Globe.
