MyPoints - Rewards Visa Card Review

Providian (now Washington Mutual) offered a credit card to its customers via a statement insert.  When I went to their web site to apply, they had changed the terms and conditions in a material way.  When I called to ask about the discrepancy, no one could give me a straight answer and their correspondence department never responded to my inquiry.

Shortly thereafter, I received the same offer from MyPoints.  Even with a long customer history at Washington Mutual and excellent credit, I was offered a ridiculously low credit line, my credit bureau scores were lowered with a frivolous inquiry, and they refused to re-visit the subject, even though I offered to provide them with whatever documentation they needed.

Given this company's sub-prime mortgage problems, declining profits and plunging stock price, it would seem they would value their creditworthy customers.  Clearly, they lack the systems and procedures to treat prospects and customers fairly and efficiently.