This card issuer allowed a charge to be posted to my account PRIOR to the account being activated. I had a fraudulent charge made on my account, I then closed that account and a new account was opened. BEFORE I even called to activate the new account (once receiving the card in the mail) a charge had been made against the new account.

Washington Mutual acknowledged that this charge should not have been able to occur (since the account was not yet activated), but told me I still had to fill-out a dispute form and it would be investigated. Total idiots!! I asked if there was a way to setup pre-authorization on the card, so that any and all charges would have to be pre-authorized by me before being allowed, they said they were unable to do that. I explained to them that some other card issuers offer such functionality and that Washington Mutual totally sucks.