Just a heads up for Providian/Washington Mutual. I have a WaMu Platinum card (does not make any difference whether it is Platinum or Peanut Butter, according to WaMu CS... Service is the same) with a $30K credit line. I attempted to put a $1200 charge on the card; it was not authorized automatically; the store graciously allowed me to call WaMu; WaMu had me on hold for 40 minutes, then subjected me to a series of obscure, annoying, and downright bizarre verification questions which lasted nearly 15 minutes! They approved the charge.in 40 years of dealing with credit card companies, I have never experienced such lousy, annoying "service". The terms of the card are great, but customer service does not exist. I am not alone in my experience... They were just ranked in the top 10 worst customer service companies in the U.S. Google them to see more.
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