How hard is it to get a Visa Check

I was with Wells Fargo and I just asked for the card. I'll tell you what, I would close out the Wells Fargo account. I had nothing but problems with them. I opened both a business and personal account with Washington Mutual, they give you a check card immediately and every account comes with a $100 overdraft.

Bobbi

P.S. I don't work for WAMU, but their customer service is really good and it was so nice after all the garbage we went through with Wells Fargo.

 

Call and ask them if they pull an inquiry for the card. I was with Centura (bought SFNB). SFNB wouldn't give me one. I called Centura and asked what the deal was, they said no inquiry, if I wanted one they'd send it.

I'm with Netbank now, they pulled an inquiry, but I also went for an LOC, so I can't be sure if they would have pulled for the check card alone and didn't ask.

 

The best way to find out is to call Wells Fargo at 1-800 869-3557 I have Washington Mutual and the check card comes free with every account. I NEVER use the overdraft protection but all new accounts come with $100 overdraft protection. I have been with WAMU for almost 3 years and my overdraft protection is currently at $1000 I did not even ask them to have it increased and like I said earlier I have never used the overdraft. Good luck !!!

 

Wachovia gave me overdraft protection, checking, savings, and Visa check card with one EQ inquiry at the beginning of my journey. Had five derogs at the time.

 

I had a Wells Fargo checking account. Same day I opened the account I ordered a Visa check card. Came in the mail within a week. Anyone can get one. It's not a credit card, the money comes directly from your checking acc. and if you don't have the funds, you'll just get denied for the purchase.

 

I live in the South and all 3 banks I've had accounts at just automatically gave the card. It used to be you had to qualify for it, but it's pretty standard with most checking accounts these days. Just ask them.

 

I have a NetBank check card and they didn't pull for it. Of course, it used to be Compubank.

 

radiohead,


Try to get Bank Of America check card and I think it should be easy. They don't report credit history to credit bureaus by using Check Card. If you tried to rebuild credit, you should get a secured credit card.





Ron.

 

I work for Wells Fargo... the only way you are denied one of these is if you abuse it. (excessive overdrafts, returned items). They don't pull a credit report for it. Just be careful because you CAN still be overdrawn and rack up fees if you use this card with no $ in your account. Contrary to what many think, you won't always get declined if you don't have the money in your account.

 

I agree completely. WAMU runs CHEXsystems or telecheck when you open a checking acct. If you aren't bouncing checks, you'll be able to get the acct.

You can get a free blue visa card with the free acct -
or pay about $5 a month for a Gold Visa card -
I started with about $100 with them several years back - and took gold acct. They give out a Platinum Visa Check Card with the Plat acct - I have that one because the Plat is $1000 minimum, pays interest, high withdrawal daily ATM limits ($1000). It pays 4.00% now if you have $25K minimum. NOBODY ion the US is paying 4%!

They also give out overdraft with all accts - I started at about $100, and now have $1000 on the Gold and $2500 on the Plat.

They offer 4 versions of the WAMU Visa Card - Secured, Student, Regular, or SIGNATURE!
These cards are issue by associates bank but say Washington Mutual on the cards - I do not have any but might like the Visa Signature.

They are a great bank for those starting out - or with some past problems - or typical bankers. They are coast to coast. ATM fees are free, go for it!
You get the card in about 5 days after you open the acct - FAST!

Best regards, Dogman