I have Washingon Mutual Platinum Master Card for over three years ago. I got it by checking my spam mailbox from yahoo. I remember filling out the application form within three minutes and the application says that I had to wait for several days(a week ) to see if I was approved. Within a week , I was approved. The card started with a limit of 1200 dollars, you can get cashback of 200 bucks, and there customer service is pretty good with answering your questions and addressing your concerns. The card is good to build credit for a young person or anyone who's credit is very low. Using the card has help me to pay my a semenster of tutution at University of Phoenix because I didn't have the money to register for my fall classes. The website for the card is great, very legit, the background and the site is professional looking.
The website explains the different types of cards you can choose to fit your needs. You can make payments and set up payments so it comes automatic from your checking account. I love that feature because sometimes you don't have money on that day to make the payment or you forget to make the payment. It helps you to keep you on track. You can check your statement history to see what charges were made on your card and see, and it updates your payment the next day. So far, I have no issues with its website.
**Bottom line: Washington Mutal Platinum Master Card is a great card to use!!!!.**
Valley Stream, NY
Washington Mutual is not a different kind of bank or credit card
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!!
Elk Grove, CA
Wamu can raise your APR rate without you having a late payment
I have had my washington mutual credit card for 3 years. I had a great Annual percentage rate in the begining. I had never had a late payment. Upon reviewing my credit card statements every month, I soon discovered that my Annual Percentage Rate had gone up drastically. It started at 15.9 percentent and continued to go up over the course of 6 months. I jumped from 15.9 percent to 21.9 percent. After having it at 21.9 percent for about one and half years, it then jumped to 29.9 percent. I was having to pay twice as much as the minimum to have the balance go anywhere. I would suggest for people to pay attention to the credit card staement every month to monitor the Annual percentage rate. I called the bank to see if they could lower my annual percentage rate. Since Chase had purchased the washington mutual bank, there was nothing they could do. They told me to call back in 6 months. I have since put my washington mutual mastercard on a credit consolidation program.
Mission Viejo, CA
Works great and I love that I earn rewards while using it!
This is a great card that gets you reward points when used. You can then redeem your points later on for some great things. My only complaint is that visually it's not too attractive but that's not a big deal.
washington mutural credit card is great to use
the washington mutural credit cards is a great card to use and is one that will give you alot of savings and discounts .this is a great opportunity to get this amazing card you guy should try it i will recomend to my friends and to my parents that like to use credut cards and are in the additude to use it they are going to aprisiate all the saving that the cards have been givung you
Long Beach, CA
Do not get a Washington Mutual credit card!
I have used two Washington Mutual credit cards for the last two years. I was never late with a payment, and always paid at least 3 times the minimum payment. Last month, without notice, (unless it was in some tiny small print on my statement) raised both cards to 21.64% Thankfully, I did not run up a large balance, or use it for cash advances, or use the many checks they sent me. I will be transferring both balances to another credit card offering 10.5%. No wonder most people are not excited about bailing out these sleazy companies!
Always report late payments
The WAMU Plat card has the worst customer service tied to it. I was not at all surprised when Chase Bank had to rescue this clueless company that reports online payments late in hopes you don't contest the late fee. Happened to me 3xs.
WAMU...No incentive here
WAMU, essentially roped me in with a low introductory rate and then WHAM hit me with 29.98% finance charge based on my credit rating...I'm confused, if I'm a credit risk, why extend me credit? To make money off hapless consumers like me! I DO NOT recommend WAMU.
TERRIBLE CARD AND SERVICE!!!
i got this washington mutual platinum card about a year ago with a 19,000 dollar credit limit and a 11.99% interest rate. then they waited for me to spend 16,000 dollars on it and changed my interest rate to 21.99%. they are nothing but con artists trying to get your money. they're in it for nothing but the money and they're disguised as a bank. and how can they afford to give an 18-year-old a 19,000 dollar credit limit? they can't possibly have enough money to back that all up, which would actually be fraud.
Washington Mutual Platinum: Nothing Special, but Free FICO Score
Everyone gets credit card offers, and these offers can sometimes be quite a hassle as the unwanted mail overflows mailboxes and adds to landfills. I receive several offers every week and most of them are sent directly to the trash receptacle before I even set foot back in my house. But every now and then, I get an offer for a credit card that grabs my attention. This is exactly what happened when I received an offer to sign up for the **Washington Mutual Platinum MasterCard**, a credit card with appealing balance transfer offers. **Credit Card Commentary:** Washington Mutual Platinum MasterCard is one of many, many different credit cards I have used over the years and it ranks as one of the more average credit cards in my wallet. I already use Washington Mutual for my general banking so it only made sense that this banking giant would offer its credit card services to me. It took several offers before I finally gave in, and now that I have the Washington Mutual Platinum MasterCard in my possession, my feelings are mixed. First, let's examine the positive features of this credit card. The Washington Mutual Platinum MasterCard offers the following reasons to obtain/keep it in your possession:
- No Annual Fee
- Reward Points
- Free FICO Credit Score
- Balance Transfer Offers
- Account Management Services Online
Many of these positive features are also offered by other banks. The exception is the free FICO credit score. I don't know of many other credit cards that offer a free credit score each month. The score is from Transunion, and it is accessible through the Washington Mutual web site. Also, there are many handy online features like the ability to order past statements, get e-mail alerts when specific criteria are met (like coming close to your credit limit; reminder when payment is due; etc), and examine/analyze your spending and charging detail. One nice tool is the Washington Mutual Customized Spending Profile. You might think you have a good idea what percentage of your credit card expenditures belong to different categories, but the Customized Spending Profile could very well surprise you. Customers can also build customized reports and even create a budget using Washington Mutual's tools.
Are there any cons to using the The Washington Mutual Platinum MasterCard? There most certainly are, just like with any credit card:
- Low initial credit limit
- Questionable Customer Service
- Low cash advance limit
I already have several credit cards, but I am always willing to check out a new offer if the card offers a great balance transfer deal or some other appealing offer. I decided to give the Washington Mutual Platinum MasterCard a try one day when I received a very tempting balance transfer option in the mail. I am presently a customer of Washington Mutual anyway and I knew I could access my credit card balance and other records alongside my checking and savings information. I was approved instantly, but I was puzzled by one thing: My initial credit limit was set very low- only about $3,000. I couldn't understand this, because I have a high credit score, my bills are paid on time, etc. On top of that, what bothered me more than anything was the fact that I had requested a balance transfer and now I couldn't even use it. The balance on the credit card I wished to transfer was much larger than the $3,000 limit I received. Thus, I was unable to complete the full transfer, and this was my sole motivation for obtaining the card. I decided to go ahead and keep the card anyway, since it didn't have an annual fee and I felt I had nothing to lose. But it still bothered me that Washington Mutual didn't tell me up- front that my limit was going to be too low to transfer the desired balance. I didn't know this important piece of information until after I was accepted for a Washington Mutual Platinum MasterCard and had received a card in the mail. **Bottom Line Viewpoint:**
Adding up the pros and cons with the Washington Mutual Platinum MasterCard, this credit card winds up in the middle of the pack. It offers reward points, the web site is very handy, and I like the free monthly FICO credit score. But I am not very happy with the attitude I have received when I call the customer support line and I don't like the deceptive way that Washington Mutual hoodwinked me into accepting this credit card. It makes for a mixed experience, and I think it's safe to say that some people will certainly like this credit card more than others. The Washington Mutual Platinum MasterCard a credit card worth considering, but it really doesn't have anything great or unique to offer aside from the free FICO credit score.