WaMu SUCKS!!!!!!!!!!!

[gdtobefree]

I get a "EXCLUSIVE PRE-APPROVED OFFER in the mail today from WaMu, I am thinking COOL, I can use this to add to my rebuidling and my puny Orchard cards with Cl of 300 each.

 

So what did I do? Went online and entered the reservation # hit sibmit thinking OH GOODY OH GOODY only to see SORRY AT THIS TIME WE CAN'T APPROVE YOUR APP!!!!!!!!!!! WTFUDGE!!!!!!!

 

They suck!!!!!!!!!!!!!!!! AHOLES!

 

Has this happened to anyone else?

 

(mumbling) send me a pre approval and then turn me down AHOLES!!!!!!!!!!!!

[pkrider7]

I'm blacklisted I think from the old Providian account. WAMU is a great bank though...too bad they don't exist in the east coast much any more.

[mk_378]

You may be approved. I just answered a preapproval and got a very similar message. It said they would send postal mail within 30 days, really looked like a decline. About 4 days later they e-mailed congratulations, it was approved. Got the card today.

 

It's an offer with zero APR on purchases until 9/2009 if a balance is transferred upon application. Also it seems to have lifetime access to PFICO. So I transferred a couple hundred dollars I'll pay off immediately. I don't even know if I'll use the card after that.

[Xecuter2]

You were pre-approved to apply for the card.

[MaTTeR]

HSBC pulls the same stunts all the time, why they deny though...it really means a denial.

[hegemony]

wow. someone needs to read the TOS for creditboards.com.

 

I've been turned down for credit by better (and worse) issuers. Move on and stop violating the TOS.

[sharpie458]

I got something similar from Capital 1 with a "reservation number" as well but in the fine print it always says subject to approval. It's just a marketing scam.

[fire3000]

I get a "EXCLUSIVE PRE-APPROVED OFFER in the mail today from WaMu, I am thinking COOL, I can use this to add to my rebuidling and my puny Orchard cards with Cl of 300 each.

 

So what did I do? Went online and entered the reservation # hit sibmit thinking OH GOODY OH GOODY only to see SORRY AT THIS TIME WE CAN'T APPROVE YOUR APP!!!!!!!!!!! WTFUDGE!!!!!!!

 

They suck!!!!!!!!!!!!!!!! AHOLES!

 

Has this happened to anyone else?

 

(mumbling) send me a pre approval and then turn me down AHOLES!!!!!!!!!!!!

 

I responded to their pre-approved mailing and was denied back in 2006. Pre -approvals are sent to people with FICO scores within a certain range and the mailing lists are generated by the CRAs. If you apply on-line a computer will pull your report and may deny based on their internal scoring system. I was denied due to a very high debt load, but I was approved after responding to a second pre-approval in 2007 and they were generous with the CL. So far I had no problems with them, I get the free PFICO score each month, and I am still enjoying a 0% introductory rate.

[MarvBear]

I get a "EXCLUSIVE PRE-APPROVED OFFER in the mail today from WaMu, I am thinking COOL, I can use this to add to my rebuidling and my puny Orchard cards with Cl of 300 each.

 

So what did I do? Went online and entered the reservation # hit sibmit thinking OH GOODY OH GOODY only to see SORRY AT THIS TIME WE CAN'T APPROVE YOUR APP!!!!!!!!!!! WTFUDGE!!!!!!!

 

They suck!!!!!!!!!!!!!!!! AHOLES!

 

Has this happened to anyone else?

 

(mumbling) send me a pre approval and then turn me down AHOLES!!!!!!!!!!!!

 

 

I get enough of those to shred them and use them in the cat litter box.

 

They declined me also.

 

I've had better and worse decline me too.

[bakerman]

just got a pre-approval letter yesterday, thought what the heck, was instantly approved for $3000, I really only applied for the free FICO score, I also ended up with my lowest APR to date 13.99% (not that I plan on carrying a balance). I was turned down last year from a mail solicitation, the prior one was not a pre-approval, but an invitation.

 

This is the ESPN card with 2500 bonus points with first purchase, it is not the greatest rewards program, but i have seen worse.

 

MAC

[Xecuter2]

This is why I don't waste time with pre-approvals. I go directly to the website to apply for the cards that I want.

[gdtobefree]

Move on and stop violating the TOS.

 

 

Care to explain, As I see it I didn't violate anything. Others can come here and post their rants what makes me any different?

[ddwibb]

wow. someone needs to read the TOS for creditboards.com.

 

I've been turned down for credit by better (and worse) issuers. Move on and stop violating the TOS.

 

Hegemony, You are getting really annoying. Need I remind you what you've said to me before.

 

http://creditboards.com/forums/index.php?s...t&p=1969022

 

negative tone? you're accusing me of being some kind of shill for fair isaac. why you've decided to be an ahole is becoming clearer and clearer.

[gdtobefree]

OK you 2 LET'S NOT GO THERE AGAIN!!!!!! If you want to badger each other again PM one another but don't hijack my thread to do it.

Now off to your corners!

[webworm98]

 

hegemony. Take your own advice, if you believe some violated the TOS use the report button. Instead of saying what they did here. I do not consider wamu sucks a violation by the way. It actual true and from what I read here and on other forums.

 

To others if you do not want to see other posters. Click on there name and choose ignore.

 

Now, lets get this thread back on track.

[Hey Jude]

I responded to a preapproved offer for my sister, who got approved for Chase a couple weeks earlier, and she was instantly declined. They send her tons of offers almost weekly, but straight to the shredder they go.

 

I agree ---- they suck!

[InfamousNY]

Wamu definitely isn't the best but if you do read the underlying writing it does mention it doesn't guarentee approval at app time.

[webworm98]

I responded to a preapproved offer for my sister, who got approved for Chase a couple weeks earlier, and she was instantly declined. They send her tons of offers almost weekly, but straight to the shredder they go.

 

I agree ---- they suck!

 

 

My mother tried to get the card normal way without pre approval. Denied. They she got a pre approval and filed it out on online and got an approval several day's later go figure-with a good credit line. This is all within a month.

Edited March 1, 2008 by webworm98

[centex]

All pre-approval means is that your profile satisfied whatever criteria the particular PRM was based upon at the time of whatever PRM the offer was based upon. Given that some offers are sent out based on pulls three months prior, there is no telling whether the report viewed at the time of the actual application matches what a lender is looking for...

 

The answers are often found in the fine-print...same as with the card selectors on some of the websites...

[azntg]

Didn't get in under preapproval? Meh, you didn't miss too much anyway.

 

"We don't nickel and dime you, except for our credit cards. Whoo Hoo! Wamu."

[bakerman]

Didn't get in under preapproval? Meh, you didn't miss too much anyway.

 

"We don't nickel and dime you, except for our credit cards. Whoo Hoo! Wamu."

 

Since I just got approved, I am interested in this comment. Exactly how do they nickel and dime you?

 

MAC

[centex]

Didn't get in under preapproval? Meh, you didn't miss too much anyway.

 

"We don't nickel and dime you, except for our credit cards. Whoo Hoo! Wamu."

 

Since I just got approved, I am interested in this comment. Exactly how do they nickel and dime you?

 

 

ought to be interesting given that many of us have cards through them without an annual fee...

[hegemony]

wow. someone needs to read the TOS for creditboards.com.

 

I've been turned down for credit by better (and worse) issuers. Move on and stop violating the TOS.

 

Hegemony, You are getting really annoying. Need I remind you what you've said to me before.

 

http://creditboards.com/forums/index.php?s...t&p=1969022

 

negative tone? you're accusing me of being some kind of shill for fair isaac. why you've decided to be an ahole is becoming clearer and clearer.

the OP is not the only one who needs to read the TOS.

 

Sure I have violated the TOS. Especially when people and fools like you attack and bash me. The OP began this thread with several clear violations; moreover the OP is relativeely new so I thought pointing out the TOS was in order.

Edited March 1, 2008 by hegemony

[hegemony]

 

hegemony. Take your own advice, if you believe some violated the TOS use the report button. Instead of saying what they did here. I do not consider wamu sucks a violation by the way. It actual true and from what I read here and on other forums.

 

To others if you do not want to see other posters. Click on there name and choose ignore.

 

Now, lets get this thread back on track.

how do you know I did not report the post??????

 

and "wamu sucks" is not what I referred to.

[Credit Matters]

I get a "EXCLUSIVE PRE-APPROVED OFFER in the mail today from WaMu, I am thinking COOL, I can use this to add to my rebuidling and my puny Orchard cards with Cl of 300 each.

 

So what did I do? Went online and entered the reservation # hit sibmit thinking OH GOODY OH GOODY only to see SORRY AT THIS TIME WE CAN'T APPROVE YOUR APP!!!!!!!!!!! WTFUDGE!!!!!!!

 

They suck!!!!!!!!!!!!!!!! AHOLES!

 

Has this happened to anyone else?

 

(mumbling) send me a pre approval and then turn me down AHOLES!!!!!!!!!!!!

 

I think it might be the AHOLES reference that is problematic here. As for "WaMu SUCKS!!!!!!!!!!!" you can't say that. You can say this, though: Wells Fargo Sucks!!! That you can do. Wamu sucks? Nope. No can do.

Edited March 1, 2008 by marcustx