Washington Mutual VISA is now Chase however during it's inital offering Washington Mutual offered a low initial rate of interest, I believe it was for 1 year. After that timeframe,the interest rate increase to their current rate. Since that time there have been a couple of occasions when I needed to get clarification on a charge that I had made and when I made an inquiry with them the customer service representatives were very courteous and knew their job. They answered my questions and were polite in handling my questions.I was one day late on a payment, which constitutes a late fee by most credit card agreements (which I think is absurd, really a grace period should exist before a late fee should be charged) and Washington Mutual agreed to remove the late fee without any hassles. Again, I commend them on the service I've received thusfar. The interest rate on the credit card has increased to a rate that is attractive for my situation. You should know that credit card companies base your rate on several factors but the primary factor is your credit score. Therefore, it is important to maintain an excellent credit score if at all possible. You can monitor your credit report to determine any erroneous reportings that may need removing from your credit file to improve your score. This can be done online with all three credit reporting agencies. Unfortunately, we must pay to see our credit score, which I think is totally wrong. I think the credit bureaus should provide these scores free of charge to the consumer. However, in Georgia you can obtain your credit report from all three credit bureaus twice per year at no charge. Since the original credit card was issued, Chase has since taken over Washington Mutual. I am please with the service Chase has provided and the transition between Washington Mutual and Chase (as far as the credit card goes) has been seamless. Chase's service has been equally as good as Washington Mutual.