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Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013

Re: Merrick Bank Card Does this mean I am denied....

Thanks Katie!

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
New Member
ohamberx0
Posts: 3
Registered: ‎05-14-2013

Re: Merrick Bank Card Does this mean I am denied....

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! :smileyhappy:

New Member
ohamberx0
Posts: 3
Registered: ‎05-14-2013

Re: Merrick Bank Card Does this mean I am denied....

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.

New Contributor
lmrites
Posts: 68
Registered: ‎04-29-2013

Re: Merrick Bank Card Does this mean I am denied....

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?

Starting Score: 594
Current Score: 627 EX 680 TU 672 EQ
Goal Score: 650...now 700!
Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013

Re: Merrick Bank Card Does this mean I am denied....

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

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Valued Member
Daisy10
Posts: 29
Registered: ‎04-08-2013

Re: Merrick Bank Card Does this mean I am denied....

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.

Frequent Contributor
Deltadog03
Posts: 345
Registered: ‎02-14-2013

Re: Merrick Bank Card Does this mean I am denied....

Daisy, thats not to bad.  Have you got your card yet? or has it shown up on your CR yet?

EX: 619 (FICO) 3/14/14
EQ: 587 (FICO) 3/14/14
TU: 579 (FICO) 3/2/14

Goal: 700 Across the board In Garden until 4/1/16
Merrick Bank (0/500) Cap 1 Secured (0/201) Cap 1 Plat (0/300)
Valued Member
Daisy10
Posts: 29
Registered: ‎04-08-2013

Re: Merrick Bank Card Does this mean I am denied....

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.


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