I HAD A CREDIT CARD WITH WAMU FOR YEARS. NEVER USED IT UNTIL LAST YEAR. HAD CREDIT LIMIT LOWERED IN THE MIDDLE OF BALANCE PLACING ME OVER THE LIMIT. UNABLE TO PAY OFF AT THE TIME. PLACED IT IN CREDIT PROTECTION IN OCTOBER 2008 WHEN HUSBAND GOT LAID OFF, AND CHASE OBTAINED ACCT AND CLOSED MY ACCT. I HAVE TRIED RESOLUTION WITH SEVERAL ASSOCIATES, AND HAVE HAD NO LUCK. I HAVE NOT PAID ON THIS FOR SEVERAL MONTHS. WHATS THE POINT??? I WILL NEVER GET ABOVE WATER. I HAVE TRIED TALKING WITH THEM AND EVEN HAD AN ASSOCIATE OFFER FOR ME TO PAY A... read full review »