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?