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05-16-2013 08:05 AM
Deltadog03 - yes, it was about 4 days when i got the alert that a new account opened. seemed pretty fast, so i gues i'll just have to wait and see if they report payments fast too!
05-16-2013 08:07 AM
Daisy - they told you there is a 48 AF? I'll have to check when I get my card, because the invitation letter I read all of it and it said $0 AF, $0 setup fee, etc.
05-16-2013 08:36 AM
I received a preapproval for $750, but the card has a $65 annual fee. I have never had a late payment and it will be a year in August. I am still at the original $750 limit. I am looking into getting a card with NFCU and telling Merrick to hit the trail, because their interest rate is not worth the annual fee.
Has anyone else had a similar experience?
05-18-2013 02:28 PM
I just got, and activated my Merrick Bank Card today. I signed up for paperless billing and my TU08 Bancard FICO is 629. Not bad.....Still has not reported as a new account yet on my CR
05-19-2013 08:44 AM
Yeah. It states that there is a $48.00 AF and then I will be billed $4.00 per month thereafter. I was aware of this before applying, but again I felt it was worth it for the credit limit they gave me.
05-19-2013 02:17 PM
Daisy, thats not to bad. Have you got your card yet? or has it shown up on your CR yet?
05-19-2013 03:34 PM
No, not yet. I should receive it any day now. It's not reporting yet and funny thing is that it's not showing up as an inquiry yet either, but I asked them what credit report they pull and they said TU.
09-16-2014 03:06 PM
I just got a preapproval for the 35yr fee 700 limit w/x7 to 1400 but got a review. In my experience this means a denial. Sometimes they dont want you to get upset for wasting 15-30 min filling out forms so they let you down easier in a letter a few weeks later. Something like too many accounts, too high balances, too much revolving credit, not enough history, etc. Doesnt take into account 0 missed payments, 0 late payments, etc. Anyways, just thought Id clear that up for you, even though its been a year since this thread started lol.
09-16-2014 03:58 PM
Merrick Bank is great to work with and there Credit Department is as well in my experience.