I was three days late on my Oct. 2008 payment which resulted in a letter from WaMu stating that they were cutting my credit limit and raising my interest rate. My new monthly payment is too high for me to afford so I am now 12 days late this month and have been receiving at least six calls a day from these SOB's. I am prepared not to pay another cent to these guys. It is no surprise that they were in such financial turmoil with these sort of tactics. I have been a good customer for two years, never a late payment, then 3 days and all this nonsense. I hate them.