To apply for a WaMu Platinum Credit Card, all you really have to do is to fill out the application form available online. Immediately, you will know if your credit application is approved. No waiting time required. The bank would be able to evaluate your credit standing in just a few seconds. This is how fast they do their credit check.
If your card is approved, you will be shown the credit line that they have determined for you. If you accept it, then your card will be mailed to you in just a few days. This can be a disadvantage though. You can’t request for a higher credit limit immediately. The amount that the bank decides is the credit limit that you’ll have to use. And with a WaMu card, the amount isn’t always much. Everything would depend on how good your credit score is and how well you have managed your finances years before.
When it comes to the application process, Washington Mutual does things a little differently. From their website, you will be forced to create an online account first before you apply for the credit card. This means that you would have to put in all the pertinent information about yourself even before you get to the interface where you’re actually applying for the card. However, the good thing about this is that you also get to access Washington Mutual’s online banking system once you get your card approved. Opening a savings or a checking account with them is also a lot easier once you are a cardholder and vice versa.