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So Many Credit Cards: What Sets Them Apart?

Jul 12, 2008
Most major banks now offer their own credit cards. Washington Mutual(Wamu) is a national brick and mortar and online bank. Banks have many different types of credit cards, which makes sense after taking over or merging with several other banks that had numerous types of credit cards themselves. Like most banks offering their own series of credit cards, Wamu has a wide variety for consumers to choose from.

With so many option to choose from, we have made it easy for you to get a card custom fitted for you.

This bank actually has its own branch that deals just specifically with credit cards and nothing else. Most major banks have a dedicated credit card division that is subsidiaries of the main company. The theory behind this is that by running the company this way there will be more direct service and better response to the customers' needs and desires.

There are many different levels of cards. There are basic credit cards, the gold card, the platinum card, rewards card, and a wide variety of business credit cards, as well, so you can keep business separate from personal expenses. There is a plan in the near future to eliminate the gold cards and make all opening cards platinum level. This might make it harder for individuals with terrible credit to start out with a card, but it also means the most base line of Washington Mutual credit cards will have a higher level of bonuses.

One of the best features of the Wamu platinum credit cards is that they all start out with a 0% APR for a limited introduction time, and they also all have natural protection in case someone makes an unauthorized charge on your card. That way if you ever suffer from identity theft or errant charges, you will not be held responsible. There are many credit card companies that force you to pay extra for that kind of payment protection, as either a flat fee or a percentage of the outstanding balance.

Online servicing sites allow users to check their balances and payment information any time of the day. One free credit score is kept track of every month, so in addition to being able to pay online and see everything about your credit card in a glance, you can also keep track of your over all credit health by keeping track of your credit score.

Aside from the basic platinum cards, there are also the "real rewards" credit cards, which offer a point for every dollar spent, which can then be used for a wide variety of services from restaurant coupons to gift certificates to frequent flyer miles. This wide variety of uses for these points is a plus, and everyone likes to get a little extra bonus for using their cards.

There are a lot of credit card companies out there, but the added bonuses of a great online page, as well as natural anti-theft protection helps Wamu credit cards to stand out a little bit stronger over the rest of the competition. If they continue to improve services, then they're sure to remain a favorite credit card among borrowers everywhere.
About the Author
Thomas Boston, Principal of 825credit.com is a personal finance expert and consumer credit advocate who specializes in responsible credit management and creation. He can be reached online with comments, questions and other inquiries at tboston[at]825credit.com
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