My experiance is that I originally opened my WAMU acct in 06 with a 0% for 6 mos. then a 8.5% rate...I was accidentally late once I believe in that 1st year which bumped it to 9.5%...and since have been paying double the req. payments (about 2 1/2 yrs now?) to try to get my balance down a bit quicker. Back in march when Wamu converted to Chase...I was paying my april online payment and the site said it would be "down for a few days" so I made a "double" payment (only chase did not process it as such) so they said I... read full review »