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?
Hey, Congrats!!! That is a star with a positive tradeline. Work it
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?
Congrats! You're traveling on the road to recovery.
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?
