Recently, I received a lot of invitations from WaMu about their new credit card offers. This time they are offering 12,000 bonus points after first purchase which is equal to $100 gift card. I have already had a WaMu visa platinum card and have been using it for about 5 months. It’s time to write a review for this card.

The most attractive feature of this card is you have free access to your FICO credit score with this card. They also promise to automatically review your account for every 6 months and increase your credit limit if you keep great performance with your account. Let’s me briefly introduce the free FICO credit score feature.

After you set up the online account, you can see “FICO Credit Score” on the up right of the screen. Click that text, you will then be directed to your credit profile. Here you can see your Credit Report Snapshot which is provided by TransUnion. This snapshot will provide important information about your credit report. And that information is enough to know your credit profile.

You can track your credit score by using the FICO score tracking which will provide your credit score month by month. Another great feature of their credit score service is you can see find out the primary reason why your score is XXX. They also provide FICO Score Simulator to let you know what actions are needed in order to improve your credit score. Wonderful!

As I mentioned before, currently I’m using the National City Identity Protect Service which costs me $8.95 every month. Although I can access to my credit report from 3 credit bureaus every 24 hours, they don’t provide official FICO credit score. Instead, they provide FAKO credit score. With this WaMu card, I don’t need the service any longer.

WaMu Visa Platinum Card will also occasionally provide special promotion to you. For example, they will send you a mail saying you can get 10% cash back gasoline purchases in the next 90 days! They will also send you some coupons together with your monthly bill. It’s a sweet card!