Highest Rated Review by the Community
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Rated a Very Helpful Review by the Epinions community Aug 5, 2008
Pros: Free FICO score each month; Nice web site tools; No annual fee
Cons: Nothing unique about the card; Low initial credit limit
Summary: Credit card offers are a common occurrence at my household. I expect to find at least one in my mail every day, and it’s not uncommon to find five or more offers on a single trip to mail box. The most common offer of all is, of course, an offer from ... read more
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Rated a Helpful Review by the Epinions community
Mar 22, 2009
Pros: None
Cons: Ridiculous interest rate
Summary: My first problem is that when I was with Washington Mutual (I use to work there) my interest rate was 16.74%. On February 11, 2009 Chase notified me that my annual percentage rate for purchases would be 27.99% or prime rate plus 22.99% whichever is ... read more
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Not Yet Rated by the Epinions community
Oct 27, 2008
Pros: I do not have any Pros to contribute about Washington Mutual
Cons: Poor customer service and lack of empathy or trying to work with the customer.
Summary: Washington Mutual Credit Card nbsp;has the worst customer service I have ever experienced. nbsp; I have been a customer Service Manager in a call center for years and their customer service reps are like robots, they have not empathy for the caller or ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Aug 23, 2008
Pros: NONE
Cons: Taking advantage of the consumer. Why should they care with the interest rates they charge?
Summary: Very glad I closed this credit card account. I always paid my bill on time and paid more than the minimum monthly payment. I had an 11.99% rate on the card and was more than upset when I opened my June billing statement to see that the rate had jumped to ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Jul 26, 2008
Pros: Nice features such as credit score monitoring
Cons: Don't get your card stolen, it'll be the most aggravating experience you could imagine.
Summary: I liked my WAMU card just fine. The interest rate was good, nice features such as credit scoring. However, the first time I had a problem, this company showed me why it is so important to research your credit card companies before opening an account. ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Jul 21, 2008
Pros: Free FICO score
Cons: They screw you!
Summary: I've had a Providian card for over 7 years, and they were bought up by WaMu. Never had any major problems, until they hit me with a late payment charge, AND returned check fee. I am set up with autopayment through the WaMu site from my checking ... read more
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Not Yet Rated by the Epinions community
May 11, 2008
Pros: None
Cons: Poor customer service! Cannot express this point enough!
Summary: I have a $0 balance on my WAMU credit card. I received a statement with a fraudulent charge of $310.25. I immediately called WAMU, couldn't get a hold of anyone so I stated my card had been stolen. I also filled out the paper dispute form I found on ... read more
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Rated a Very Helpful Review by the Epinions community
May 5, 2008
Pros: easy to apply for online, free credit-checks available, online bill-pay, easy to use
Cons: none
Summary: Shortly after setting up an checking account with Washington Mutual, I applied for a credit card with them using their online application feature. The process was pretty easy, and after submitting all of the information, it responded in about 1 minute's ... read more
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Rated a Helpful Review by the Epinions community
Feb 21, 2008
Pros: Points, Free FICO score access, Overall Great Credit Card
Cons: Only 1 FICO score not all 3, High interest rate
Summary: I have a Washington Mutual credit card partnered with Mypoints.com. I’m thoroughly pleased with this credit card. Let me tell you why: 1- I get points on all of my purchases and it goes directly to my Mypoints balance. 2- Wamucards.com provides ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Jan 25, 2008
Pros: I can pay at my local Washington Mutual on the date due.
Cons: I don't think they offer very high limits.
Summary: I didn't apply for this card though a bank. I applied for this card on a online membership club, MyPoints. On MyPoints you earn points for reading emails about products or their merchants (most are very well known merchants) and you can also earn ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Dec 7, 2007
Pros: low interest rate
manage the account; online with your credit score readily available;good customer service.
Cons: Arbitrarily raised my rate to 19.99% with good credit and no delinquencies with any account
Summary: I have been with Providian and WaMu after the change over- my interest rate was very low and I have no delinquencies on any of my cards. They even sent me a letter raising my limit for being such a "good and valued" customer. It was in the thousands - ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Aug 16, 2007
Pros: NONE
Cons: ALL OF IT.....
Summary: This is the worst credit card and bank you can ever get, their customer service is the worst, no one can help you. I applied for it with the incentive of 12 months no interest rate for transfers of course thinking I was going to be able to pay acct ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Jun 20, 2007
Pros: Not a one!
Cons: Statements on website are deceiving to customers. Interest rates climb with no explanation.
Summary: As a past Providian customer, I never had any issues until WAMU took over. They are single handedly tanking my credit rating. They have raised my interest rate without so much as a letter explaining why. Also, their online statements are very ... read more
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Rated a Somewhat Helpful Review by the Epinions community
May 22, 2007
Pros: No pros, Its like dealing with a second or third rate bank every contact.
Cons: All my experiences would be a "con" with this bank. No good experience
Summary: Since WaMu acquired my Providian Visa account, I have not been impressed with Washington Mutual at all. I have a perfect payment record, never late, never over-limit. I phoned/wrote them on several occasions to review my account for various finance ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Apr 30, 2007
Pros: Worked for me while it was Providian - now: NONE
Cons: Hidden fees, secret transaction cycles, abysmal online banking interface, clueless customer service
Summary: DO NOT OPEN UP A WAMU CREDIT CARD ACCOUNT! EVER! Just cancelled my account with WAMU today after a puzzling journey through the banking and customer "service" maze. I've been a cardholder with Providian for almost two years, never had any problems, ... read more
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Rated a Helpful Review by the Epinions community
Apr 19, 2007
Pros: Card made of nice plastic. Pretty color when shredded.
Cons: WaMu fails to honor cardholder agreement and writes bad checks. Avoid!
Summary: Washington Mutual writes bad checks and doesn't honor their rewards/rebate program. Like many other reviewers here, I had a Providian Visa that WaMu took over. My account was a rewards card, which provided me a 1% rebate every year... until WaMu took ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Feb 20, 2007
Pros: Visa widely accepted
Cons: prone to unwarranted interest hikes and dishonest customer service
Summary: I started out with the Providian Visa card about 10 years ago with an interest rate of 19.99%. It was my first credit card, so my limit started out low ($500) and has gradually increased to $3000 over the years as I never paid late or missed a payment. I ... read more
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Rated a Helpful Review by the Epinions community
Jan 30, 2007
Pros: You got to be kidding, right?
Cons: The book I could write about the cons would be bigger than War and Piece
Summary: Like a lot of other people I started out with a Providian credit card. (9 years ago) and have a gold card and have always been a good customer. Traveling all over the world I use my cards a lot and have had no problems of late until Washington ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Jan 5, 2007
Pros: Took a chance on us when our credit was just fair
Cons: Everything else about them.
Summary: My husband and I had been a Providian credit card holder for approximately four years. Several months ago we were notified that our Providian account was being switched to Washington Mutual. At the time, we had a $1500 credit limit with a $0 balance ... read more
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Rated a Helpful Review by the Epinions community
Sep 24, 2006
Pros: No Universal Default, No annual Fee
Cons: None yet
Summary: I have really been disgusted by the way banks are now using the universal default policy to raise credit card interest rates. Though this card has no bennies aside from the ability to monitor your credit score monthly (a big plus)it's great for someone ... read more
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