I got two preapproved credit card offer from wamu one after one each week for that i replied my first hold out then they approved me credit string of $4500 and after 5 days they sent me same offer again resembling 0% Apr until jan 2008 again i applied this too. This time after enter all information on online finally it shows approaching "we can not process your platinum visa card this time we will send you surrounded by mail further information"
My sound out: Is this effect any thing surrounded by my credit points because i applied two times the same card surrounded by the span one week.And did they pull my credit report 2 times or simply one time.Please give me suggestion subsequent time i will be very contemplation full.
Thanks,
Annay
Answers: Wamu has a policy that if you applied for a card beside them, you cannot apply for another one for at least 30 days after the first application. From my experience, they will not hit you near another hard inquiry and will pretty much transmit you so (as well as the 30 days thing) contained by the letter they will be sending you soon.
I did something similar to that but beside capital one it be 3 months from one another. I got matching error message and was sent a reminder. The letter advise me that i was not long approved for the same grant and my credit was individual pulled once due to this. In the letter you receive they should permit you know if there are two inquiries or if it will be only one. Officially, you applied for two different lines of credit and therefore both inquiries will be on your credit report.
WAMU loves to attain people to enjoy more than one account beside them. I have 2 credit cards beside them myself.
I really don't know what else to say besides that.
You double-applied. They will verbs it twice however credit inquires have a small percentage effect on your credit gain. Now if you go applying for 5-10 surrounded by a few month you might see you score drop by give or take a few 20 points but it probably will have little effect next to the interest rate you will recieve. I am assuming that you score is within the 700's since you got appoved for a wamu card. So a few point bad your score will own little effect. If you have a biddable credit score you should try to catch a rewards card like currency back for gas purchases. You can step to http://creditcardwarehouseonline.com and view adjectives diffent types of cards with great rewards programs.
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My sound out: Is this effect any thing surrounded by my credit points because i applied two times the same card surrounded by the span one week.And did they pull my credit report 2 times or simply one time.Please give me suggestion subsequent time i will be very contemplation full.
Thanks,
Annay
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Answers: Wamu has a policy that if you applied for a card beside them, you cannot apply for another one for at least 30 days after the first application. From my experience, they will not hit you near another hard inquiry and will pretty much transmit you so (as well as the 30 days thing) contained by the letter they will be sending you soon.
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I did something similar to that but beside capital one it be 3 months from one another. I got matching error message and was sent a reminder. The letter advise me that i was not long approved for the same grant and my credit was individual pulled once due to this. In the letter you receive they should permit you know if there are two inquiries or if it will be only one. Officially, you applied for two different lines of credit and therefore both inquiries will be on your credit report.
WAMU loves to attain people to enjoy more than one account beside them. I have 2 credit cards beside them myself.
I really don't know what else to say besides that.
I've hear around ppl who will "fix your credit score", is this legit?
You double-applied. They will verbs it twice however credit inquires have a small percentage effect on your credit gain. Now if you go applying for 5-10 surrounded by a few month you might see you score drop by give or take a few 20 points but it probably will have little effect next to the interest rate you will recieve. I am assuming that you score is within the 700's since you got appoved for a wamu card. So a few point bad your score will own little effect. If you have a biddable credit score you should try to catch a rewards card like currency back for gas purchases. You can step to http://creditcardwarehouseonline.com and view adjectives diffent types of cards with great rewards programs.
Resolved Questions: