Washington Mutual Compliment - A Card I'm happy with AND a FREE Monthly Credit Report
I've had a WaMu Visa credit card for over two years now and have absolutely no complaints; something I cannot say about other lines of revolving credit I have had over the years. They have left my finance rate intact after the introductory period expired without us playing the "raise it, I complain, they lower it again" game. I REALLY hate that game and would much prefer my business transactions to be amiable instead of adversarial.
The feature I find most attractive though is online access to your account including a year's worth of monthly reviews of your FICO scores, open and closed accounts, and credit inquiries - the kind of information credit reporting agencies want to sell you access to monitor. They keep this information current and you could catch in a glance if something appeared you were not expecting; ie a dip in your score, an inquiry when you did not apply, or an extra account, and then contact the big three to check or challenge it. You can also see the effects your habits (good or bad) have had on your credit and if it is improving or backsliding. This feature is absolutely free. As far as I know they are they only credit card company offering this feature.
If you are one of the people currently paying for monitoring, or simply would like to look more often than once a year, I would urge you to consider opening an account and doing so for free.
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