I must be moving up in the world! (Merrick Bank)

ChesterPDexter · ‎06-18-2007

These last ten years I've spent with never a late payment to anyone and the multiple large lines of credit I've cultivated have really elevated me in the eyes of Merrick Bank, which I've been with since about 2003. They must recognize the excellent credit risk I am, and they've rewarded my loyalty.

I got a notice from Pageonce that my APR decreased by 2%. It was 32.45% and now it's 30.45%

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Too many accounts; too many debts; lots of open credit, and lots of utilized credit. Scores somewhere in the 600s - I have no earthly idea exactly what number, but not 700 like it was, briefly.

llecs · ‎08-04-2007

DeadSpider · ‎07-29-2012

My Freedom is wayyyyyy better at 29.99 APR.

Cap1 VISA Signature Cash Reward 2005 $6.5K, Freedom MC 2006 $5K, Amex Sky 1999 $2K, Discover IT 2013 3.5K, BCE $8800, NFL $1500

Starting Score: 0
Current Score: 742
Goal Score: 800

Take the FICO Fitness Challenge

shakalaka · ‎09-10-2012

Wow, nice

creditnocash · ‎07-23-2012

DeadSpider wrote:
My Freedom is wayyyyyy better at 29.99 APR.

is that with a lovely late payment sent there way?

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000

DeadSpider · ‎07-29-2012

Few lates (few days) yes but that was over a year ago and when it used to be WAMU card, I don't know how to lower it, it was around 13 at one point and went up and up to around 18 and bam to 29.99 when Chase took over !!! I recently converted old Chase card to Freedom.

I do PIF each month now NO WAY IM paying that APR grrrrr.

Cap1 VISA Signature Cash Reward 2005 $6.5K, Freedom MC 2006 $5K, Amex Sky 1999 $2K, Discover IT 2013 3.5K, BCE $8800, NFL $1500

Starting Score: 0
Current Score: 742
Goal Score: 800

Take the FICO Fitness Challenge

OnTheRebound · ‎08-05-2009

My wife's Freedom is 29.24%. Perfect payment history in the 12 years she had it (former Providian / WAMU and now Chase). The APR was always high (24%?) but when Chase took over they raised it to 29.24%. Needles to say, we never carry a balance.

john398 · ‎01-19-2009

Wow LOL, I got another letter from Merrick saying they are watching me and that they noticed I opened a lot of cards...I just bought a car as well, Anyway hope it goes down a lot more

TheConductor · ‎07-24-2012

Dream big...hope for 28.46% !

Starting: EQ 626 (myFICO 7/22/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12) Current: EQ 665 (myFICO 2/13/12), EX 690 (CreditSesame FAKO 1/6/13) , TU 681 (WalMart 2/4/13) Goal: 700+ x3
My Wallet: Amex Zync NPSL (hidden limit > 10k), Barclaycard Apple V $2000, Walmart (Store) $900, BoA Cash Rewards V $500, ~~CreditOne Platinum V $600~~, Best Buy Rewards MC $500, Chase Freedom V $400
Dream Wallet: Amex BCP, Citi Dividend Platinum V , Chase Freedom MC, Chase Sapphire Preferred V, BoA Privileges Cash Rewards VS, UPromise MC, US Bank Cash+ VS, Amex ZYNC, Amex SPG, Amex Platinum, Andrews FCU Global V

Creditaddict · ‎10-23-2007

Wait you still have it open... Isn't it high fees?

What is limit?

Balance?

Waiting is so Overrated!

Credit Cards

I must be moving up in the world! (Merrick Bank)

Re: I must be moving up in the world! (Merrick Bank)

Re: I must be moving up in the world! (Merrick Bank)

Re: I must be moving up in the world! (Merrick Bank)

Re: I must be moving up in the world! (Merrick Bank)

Re: I must be moving up in the world! (Merrick Bank)

Re: I must be moving up in the world! (Merrick Bank)

Re: I must be moving up in the world! (Merrick Bank)

Re: I must be moving up in the world! (Merrick Bank)

Re: I must be moving up in the world! (Merrick Bank)