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Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013

Approved!

I know its not the big boy cards, but feel super blessed to have this only after 3 months post BK.  I recieved a pre-selected letter for a Merrick Bank CC for a $500 limit that will auto CLI to 1K after 7 ontime payments.  There is No annual fee, no account set-up fee, no monthly service fee etc......I feel like this is the BEST that I can get after just coming out of ch7 bk 3 months ago.  This card is my highest limit.  I now have 2 Cap1 cards and now this Merrick Card.  I only want a total of 4, that I always PIF, but will wait to see about the Wally world card later until my TU FICO comes up a bit more.  I am truely blessed to have this luck/success and all of your help everyone!  btw, a free TU CC enhanced FICO everymonth as well.  Anyone know how long they take to show up on CB?

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Valued Contributor
dodgerslv
Posts: 1,491
Registered: ‎06-16-2012

Re: Approved!


Deltadog03 wrote:

I know its not the big boy cards, but feel super blessed to have this only after 3 months post BK.  I recieved a pre-selected letter for a Merrick Bank CC for a $500 limit that will auto CLI to 1K after 7 ontime payments.  There is No annual fee, no account set-up fee, no monthly service fee etc......I feel like this is the BEST that I can get after just coming out of ch7 bk 3 months ago.  This card is my highest limit.  I now have 2 Cap1 cards and now this Merrick Card.  I only want a total of 4, that I always PIF, but will wait to see about the Wally world card later until my TU FICO comes up a bit more.  I am truely blessed to have this luck/success and all of your help everyone!  btw, a free TU CC enhanced FICO everymonth as well.  Anyone know how long they take to show up on CB?


congrats! wished they had offered me tha kind of a deal...My Merrick card will not be ever able to report a zero balance becuase of the annual fee that is charged monthly instead of the anniversary date.

last app: 4/14/14---Barclays US Airways (10k)---US Bank Flex Travel Rewards (7.5K)---no more applications till September (Amex Delta)

cards in wallet for daily use: Chase CSP(15k), BofA Privilege(30K), Amex BCP(2K), Green, Discover (8k)
cards for travel: Citi AA WEMC(20K), Citi Prestige(11.5K), Chase Ritz(20K) or Marriott(5K), Barclays Arrival(5.5K)



Established Contributor
VirtualCuriosity
Posts: 529
Registered: ‎09-10-2010

Re: Approved!

Hey, Congrats!!!  That is a star with a positive tradeline.  Work it

   
TU98 673, TU08 665, EQ 654, EX 664 (As of 4/2014) - Personal Goal = 760+

Gardening since 7-09-13

Regular Contributor
scarzy
Posts: 207
Registered: ‎04-08-2008

Re: Approved!

Congrats! When I first starting rebuilding, I was hoping for a Merrick's pre-approval, and I'm still waiting!

It seems like everyone's getting one, but me! Luckily, I got my foot in the door with NFCU, so no need for Merrick now.

 

That's too bad cause they had their chance with me! I could have made them some money by using the card!! lol

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Valued Contributor
dddewdrop
Posts: 1,060
Registered: ‎02-06-2013

Re: Approved!

Awesome! Good going. I am so happy for you!

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log
Moderator
09Lexie
Posts: 22,542
Registered: ‎09-13-2012

Re: Approved!

Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013

Re: Approved!

Thanks everyone!  It was weird, I was reading the Rebuilding thread, as I usually hang out there the most, LOL and had seen someone else posting about the Merrick card, and I go to the mailbox and see a letter from a Salt Lake City address, and I open it up and its a pre-selected offer from Merrick Bank....My mouth hit the ground!  I read the entire document like twice because I couldn't believe that I was *potentially that lucky to get something this fresh out of BK*  My TU FICO is 602, so not there yet, but over 100 points since cleaning up my credit after BK.  I was SHOCKED to see NO annual fee, account setup fee, or monthly maint fee.  This is my best card that will double to 1K in 7 months.  I am very lucky and blessed.  Back to the garden until closer to the end of the year, then Wally world and that will complete my lineup.  bonus free TU08 CC Fico as well.  Anyone know when they first report to the CB?

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Valued Contributor
FocusedAndDetermined
Posts: 6,185
Registered: ‎01-05-2013

Re: Approved!

Congrats! You're traveling on the road to recovery.

Community Leader
Valued Contributor
myjourney
Posts: 23,641
Registered: ‎02-07-2013

Re: Approved!


Deltadog03 wrote:

I know its not the big boy cards, but feel super blessed to have this only after 3 months post BK.  I recieved a pre-selected letter for a Merrick Bank CC for a $500 limit that will auto CLI to 1K after 7 ontime payments.  There is No annual fee, no account set-up fee, no monthly service fee etc......I feel like this is the BEST that I can get after just coming out of ch7 bk 3 months ago.  This card is my highest limit.  I now have 2 Cap1 cards and now this Merrick Card.  I only want a total of 4, that I always PIF, but will wait to see about the Wally world card later until my TU FICO comes up a bit more.  I am truely blessed to have this luck/success and all of your help everyone!  btw, a free TU CC enhanced FICO everymonth as well.  Anyone know how long they take to show up on CB?


Congrats 

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it
Valued Member
GangnamFICO
Posts: 87
Registered: ‎11-28-2012

Re: Approved!

[ Edited ]

Let me get this straight.

 

You're three months out of a Chapter 7 Bankruptcy and feel blessed with a $500 credit card approval with everybody's help here?

 

Walmart TU Score 740
Chase Freedom($5000); CitiThankYou Preferred($5000); GEWM Discover($3500); Walmart Store($1300); AMEX Gold; AMEX BCE($6000); GE Discount Tire($1500); Mor Furniture ($4700);Cap1($750)

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