Washington Mutual WaMu Fraudulent Practices Credit Card Fraud - Bait and Switch Dallas Texas

I got the same promo offer, but it was not pre-approved. It stated I am invited to apply. That is not the same thing.

File a complaint and provide a copy of the letter you received.
The more complaints they get, the more they can do about stopping these fraudulent practices.

Also offer to provide a copy of your credit report. I did, but they did not take me up on the offer.

Your rebuttal said the rate I received was the best rate based on my credit rating.

My FICO score is 780+. When I applied for the 0% credit card, they confirmed that I was approved for a 0% rate credit card. When I called them after finding out the rate was 12.99%, the person in India said I was not in their system as being approved for the 0% credit card, even though the statement said the credit card rate was a "Promo Rate".

What FICO score do you have to have to get their 0% credit card? When applying for the card, they confirmed that I have been approved for their 0% credit card, and that your rate will be 0%, what does "0%" and "approved" mean? After being issued the "Promo" credit card (it says so on the statement), why was I told I was not in their computer system as having a "Promo" credit card.


I am outraged at Washington Mutual's "WAMU" practices and will NEVER have any dealings with them again.

The O percent interest rate is depending on your credit rating. If they see that your credit score is low then they will not give you a o percent rate. The rate they gave you is probably the best that they could do. Those offers are form letters sent out to everyone.