I have been a customer of WAMU for years, always paid on time, no issues, recently I made a charge on my credit card within my limit, after the finance charges were assessed, i was over limit by $4 which they promptly charges a $39 over limit fee. Apparently I am a mathematician know, because their response was I should of accounted for the finance charges. Then I started looking into my account and realized, that they have been charging 30.3% apr for the last 6 months. Of course I thought the rate was FAR less. No wonder I didn't account for the interest correctly. Their response-by the script reading managers - I was sent a letter in April (which I did not receive) saying I could have closed my account within 30 days if I did not like it. The only answer for the hike-they reviewed my credit. My accounts have always been in good standing, never late etc, and the other cards I have are all under 10% and my FICOS are considered average plus to good. They wont help me, and I am closing all my accounts-business and personal with them.
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