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Established Contributor
Posts: 619
Registered: ‎06-18-2007
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I must be moving up in the world! (Merrick Bank)

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%

 

Smiley Indifferent

_________________________________________________________
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.
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
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Re: I must be moving up in the world! (Merrick Bank)

Smiley Very Happy

Frequent Contributor
Posts: 251
Registered: ‎07-29-2012
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Re: I must be moving up in the world! (Merrick Bank)

Robot LOL My Freedom is wayyyyyy better at 29.99 APR.

Cap1 QS $11.5K, Freedom $5K, Slate $8K Amex Sky $2K, Discover IT $6.5K, BCE $20K, Care Credit 12K, US Bank Edge 20K, NFL $1.5K, Lowes $10K

Starting Score: 0
Current Score: 778
Goal Score: 800


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Established Contributor
Posts: 569
Registered: ‎09-10-2012
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Re: I must be moving up in the world! (Merrick Bank)

Smiley Very Happy Wow, nice

 

Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (16,200) | Citi DCB (7,000) | CapOne (7,000) | Chase Freedom (6,300) | Walmart (4,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)


Valued Contributor
Posts: 2,296
Registered: ‎07-23-2012
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Re: I must be moving up in the world! (Merrick Bank)


DeadSpider wrote:

Robot LOL My Freedom is wayyyyyy better at 29.99 APR.


is that with a lovely late payment sent there way? 

 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Frequent Contributor
Posts: 251
Registered: ‎07-29-2012
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Re: I must be moving up in the world! (Merrick Bank)

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 QS $11.5K, Freedom $5K, Slate $8K Amex Sky $2K, Discover IT $6.5K, BCE $20K, Care Credit 12K, US Bank Edge 20K, NFL $1.5K, Lowes $10K

Starting Score: 0
Current Score: 778
Goal Score: 800


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Established Contributor
Posts: 529
Registered: ‎08-05-2009
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Re: I must be moving up in the world! (Merrick Bank)

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.

Mine- Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / DW's- I'm AU on most- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / Citi Simplicity MC $4.4K / GE Lowes $10K / GE CareCredit $5K
myFico Scores as of 10/03/2014
Equifax 798 / Experian 811 / TransUnion 814
Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
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Re: I must be moving up in the world! (Merrick Bank)

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

Frequent Contributor
Posts: 492
Registered: ‎07-24-2012
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Re: I must be moving up in the world! (Merrick Bank)

Dream big...hope for 28.46% !

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12)
Current: EQ 670 (myFICO 9/8/14), EX 694 (Prosper 7/17/14) , TU 693 (WalMart 9/2/14) Goal: 700+ x3
My Wallet: Amex BCP $30k, Chase CSP VS $12.2k, Amex Zync NPSL (> 10k), C1 Venture VS $5k, Amex SPG $4.5k, Walmart (Store) $2.5k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Best Buy Rewards MC $500
My Loans: Prosper $25k/36mo
My Business: Chase Ink VS $5k
Epic Contributor
Posts: 25,526
Registered: ‎10-23-2007
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Re: I must be moving up in the world! (Merrick Bank)

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

What is limit?

Balance?

Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
95 Cards and Counting Smiley Tongue
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