Wamu sucks.I do not even nor have i ever had an account or charge card with Wamu or the folks they bought Providian. still they insist on calling and never leave a message. i never call back even though the number shows on my cell. i am not investing my money to call an area at my expense. these folks have called me over 100 times all with different numbers . I have turned them in to the FCC so we will see if anything gets done.