Washington Mutual - Wamu Platinum Matercard Review

I am a college student and I have been very good about paying my bills. Recently with all the economic problems I got laid-off. However, before I got laid-off I was making all my payments on time except for one. I missed on payment out of two years worth and my interest rate shot up to 27.99%. Now that I am unemployed I can't pay the minimum balance and called to see how I could pay on-time but less and was informed that the only way I could get help with my minimum balance and interest rate was if I was employed. Now that I haven't been able to make full minimum payments my interest rates are up to 37.99%. I orignally signed -up for this card because they offered 0% interest for the first 6 months. At the time tat I signed up for this credit card I had a high credit score. It was almost 800. Now, this is one of 5, I have. All the others are paid off except my WaMu and my score is now way below 700. I also had bank accounts with WaMu and closed them because of their excessive fees. This company is ridiculous! I have been a loyal customer and now I am screwed!!