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Washington Mutual Credit Card Review (Page 1 of 2)
Washington Mutual is one of the largest banks of America and it offers an amazing variety of cards. The first and the foremost is the Washington Mutual Platinum Card which comes with instant approval so now you don’t have to wait for days to know the status of your application, you get to know instantly whether your application for a Washington Mutual Platinum Card is approved or not. As a measure of protection against the unauthorized services which are on a rise, the Washington Mutual Platinum Card comes with $0 fraud liability on unauthorized purchases so you don’t have to spend sleepless nights in case that happens.
Without any annual fee and discounts from popular retailers available online this card is hard to resist. The promotional balance transfer APR is as low as 0% for the first 12 billing cycles as it is the introductory period and after that the APR for purchases varies from 9.99% to 19.99%. The Washington Mutual Platinum Card also gives you a grace period of 25 days if the new balance is paid fully by the due date of the payment and the balance is calculated according to the method of the two-cycle average daily balance which includes new purchases too. With the Washington Mutual Platinum Card you are charged a minimum of $1 as a finance charge and 1% of each purchase as the transaction fee for the purchases that you make outside the U.S. and its territories. The Washington Mutual Platinum Card charges 3% for each balance transfer ranging from a minimum of $5 to a maximum of $75 and 3% of the advance i.e. a minimum of $10 is charged from you as your cash advance fee. If you are late in paying the bill, a late fee varying from $19 to $39 is charged depending on your balance and if you exceed your set credit line during any billing cycle an overlimit fee of $35 is charged from you.
The Washington Mutual Platinum Card also provides you with the unique and interactive Washington Mutual Credit online account management providing you an offer card whenever you visit the visit the site thereby increasing customer base and saving you from the trouble of searching and applying for a credit card.
Not very long ago the Washington Mutual took over the Provident Credit Card which was the erstwhile credit card giant and has grabbed up the ninth position in the credit card ranking in America since then and now it offers you three more cards to choose from one of them being the Providian Real Rewards Card. The Providian Real Rewards Card is different from others because it rewards you with points every time you use it and the rewards come in different forms thereby giving you freedom of choice. So with Providian Real Rewards Card you can use your rewards for purchasing flight tickets or as restaurant coupons.
Another card offered by the Washington Mutual is the Providian Cash Back Card which gives you cash back on any purchase you make thereby giving you ample opportunity to get your money back with each purchase made by you.
Wachovia Credit Card Review
With the Wachovia Credit Card you are transported to a whole new world of better credit card service and the advantages of your Wachovia relationship that too at your convenience. You don’t have to pay any annual fee for the Wachovia Credit Card offering you a variety of services including personalized services and greater convenience to you.
For six months your APR for the Wachovia Credit Card is fixed at 0% on balance transfers excluding purchases and cash advances, though your APR may increase in case your account balance is consistently overdue. The introductory balance transfer APR for the Wachovia Credit Card is available for transfers that are made with the Promotional Convenience Checks included in the Welcome Kit and these must post to the account within six (6) months of account opening in order to receive promotional introductory rate. There is a slightly different system of payment as they are applied to low APR balances at first. Your APR might also change at times as the company reserves the right to change the terms of your account, including APR or fees, at a time they think right or for any reason they deem important.
The Wachovia Credit Card offers you a very attractive purchase rate ranging from 1.99% to 11.99% added to the Prime rate. It enhances your purchasing power and also instills worldwide acceptance of more than 24 locations. What’s more, with the Wachovia Credit Card you can also get your late and overlimit fee waived once every year.
The Wachovia Credit Card offers you personal assistance any time of the day i.e. all your needs are taken care of and you can receive 24 hours assistance from the Wachovia Credit Card Specialists. It also opens your world to a whole new range of possibilities as with the Wachovia Credit Card you have the option to enroll in Wachovia Possibilities Rewards program which is the no fee rewards program of the company enabling you to earn points for every qualifying purchase. If your Wachovia Visa Check Card is enrolled by you in rewards you can earn rewards even faster as you have the option to combine points that are earned on both the cards.
With the Wachovia Credit Card you also get identity protection as your liability for any unauthorized purchases on your card made through Visa network is as low as 0%. You also get the benefit of a fee free overdraft protection to the Wachovia Checking, Savings and the other accounts when your Wachovia Credit Card is linked to them. What more can be desired.
With the Wachovia Credit Card the more you want the more you get as the Wachovia Credit Card service has also collaborated with the FIA Card service which is supposed to provide you with any information about the Wachovia Credit Card and the Wachovia signature loan accounts both online and offline.