topic Re: Mercury Mastercard Approval in Credit Card Approvals

Mercury Mastercard Approval

kr43002 — Fri, 20 May 2022 16:10:25 GMT

Just got approved for a Mercury Mastercard. The APR is a bit higher than I would like, however I do not plan on carrying a balance so its fine I guess.

Got approved for $1000

T&C states APR 28.24 Accross the board, no interest if I pay the entire balance each month

1% Cash Back

Somewhat Competitive with the QS1 I just got with no Annaul Fee, however it is only 1% instead of 1.5%.

This is definetly a card I will be keeping with it not having an annual fee.

The only question I have is: Do they give out CLI's at all?

Data points for those who want to know

I am almost 1 year post BK, next month will be that mark

Fico scores are all between 630-640

They pulled Transunion for me.

Credit Karma popped up w/ Outstanding approval odds

Re: Mercury Mastercard Approval

CreditMagic7 — Fri, 20 May 2022 16:34:47 GMT

Congrats on your Mercury Mastercard approval and best of luck on the rebuild!

Re: Mercury Mastercard Approval

gdale6 — Fri, 20 May 2022 16:41:04 GMT

Grats on your Mercury approval

Yes they do give auto CLIs

Re: Mercury Mastercard Approval

Mdowning30 — Fri, 20 May 2022 16:44:41 GMT

Just because credit karma or experian advertises these cards doesnt mean you should apply lol

Re: Mercury Mastercard Approval

kr43002 — Fri, 20 May 2022 17:35:19 GMT

@Mdowning30 wrote:
Just because credit karma or experian advertises these cards doesnt mean you should apply lol

For sure, I have recieved many "Your Pre Approved" "Chances Are Excellent" Many are secured or require an application fee with many annual fees. I avoid those.

This is probably the best card in my profile currently. With no annual fee, it is a good padding to just sock drawer after my rebuild with no drawback I can see.

Re: Mercury Mastercard Approval

M_Smart007 — Fri, 20 May 2022 17:24:09 GMT

Congratulations on your Mercury MC Approval 🎉

Re: Mercury Mastercard Approval

CreditAggie — Fri, 20 May 2022 17:26:40 GMT

Congratulations on your Mercury Mastercard approval!

Re: Mercury Mastercard Approval

SUPERSQUID — Fri, 20 May 2022 17:34:44 GMT

@kr43002 wrote:
Just got approved for a Mercury Mastercard. The APR is a bit higher than I would like, however I do not plan on carrying a balance so its fine I guess.

Got approved for $1000
T&C states APR 28.24 Accross the board, no interest if I pay the entire balance each month
1% Cash Back

Somewhat Competitive with the QS1 I just got with no Annaul Fee, however it is only 1% instead of 1.5%.

This is definetly a card I will be keeping with it not having an annual fee.
The only question I have is: Do they give out CLI's at all?

Data points for those who want to know
I am almost 1 year post BK, next month will be that mark
Fico scores are all between 630-640
They pulled Transunion for me.
Credit Karma popped up w/ Outstanding approval odds

CONGRATS!!!!!

Its a good card while rebuilding, another positive account for your profile with no annual fee. they do give an automatic cli during the first 6 months, i got a little over 10 pct of the credit limit, ymmv. the only beef i have with the card i have is cb is only redeemed as a statement credit. as bad as cap 1 is on cli's they are excellent on redeeming cb in a few different ways.

i still have my mercury mc but really dont use it, i put my spend mostly on , navy, penfed, QS, and savor one, also a smaller amount on target and kohls.

Re: Mercury Mastercard Approval

kr43002 — Fri, 20 May 2022 17:41:25 GMT

@SUPERSQUID wrote:
@kr43002 wrote:
Just got approved for a Mercury Mastercard. The APR is a bit higher than I would like, however I do not plan on carrying a balance so its fine I guess.

Got approved for $1000
T&C states APR 28.24 Accross the board, no interest if I pay the entire balance each month
1% Cash Back

Somewhat Competitive with the QS1 I just got with no Annaul Fee, however it is only 1% instead of 1.5%.

This is definetly a card I will be keeping with it not having an annual fee.
The only question I have is: Do they give out CLI's at all?

Data points for those who want to know
I am almost 1 year post BK, next month will be that mark
Fico scores are all between 630-640
They pulled Transunion for me.
Credit Karma popped up w/ Outstanding approval odds
CONGRATS!!!!!
Its a good card while rebuilding, another positive account for your profile with no annual fee. they do give an automatic cli during the first 6 months, i got a little over 10 pct of the credit limit, ymmv. the only beef i have with the card i have is cb is only redeemed as a statement credit. as bad as cap 1 is on cli's they are excellent on redeeming cb in a few different ways.
i still have my mercury mc but really dont use it, i put my spend mostly on , navy, penfed, QS, and savor one, also a smaller amount on target and kohls.

Thanks for that info. Have you had any additional CLI's with it? If so how often? How often did you use your card in the first 6 months? Did you carry a balance? How was their customer service?

Re: Mercury Mastercard Approval

SUPERSQUID — Fri, 20 May 2022 19:52:18 GMT

@kr43002 wrote:
@SUPERSQUID wrote:
@kr43002 wrote:
Just got approved for a Mercury Mastercard. The APR is a bit higher than I would like, however I do not plan on carrying a balance so its fine I guess.

Got approved for $1000
T&C states APR 28.24 Accross the board, no interest if I pay the entire balance each month
1% Cash Back

Somewhat Competitive with the QS1 I just got with no Annaul Fee, however it is only 1% instead of 1.5%.

This is definetly a card I will be keeping with it not having an annual fee.
The only question I have is: Do they give out CLI's at all?

Data points for those who want to know
I am almost 1 year post BK, next month will be that mark
Fico scores are all between 630-640
They pulled Transunion for me.
Credit Karma popped up w/ Outstanding approval odds
CONGRATS!!!!!
Its a good card while rebuilding, another positive account for your profile with no annual fee. they do give an automatic cli during the first 6 months, i got a little over 10 pct of the credit limit, ymmv. the only beef i have with the card i have is cb is only redeemed as a statement credit. as bad as cap 1 is on cli's they are excellent on redeeming cb in a few different ways.
i still have my mercury mc but really dont use it, i put my spend mostly on , navy, penfed, QS, and savor one, also a smaller amount on target and kohls.
Thanks for that info. Have you had any additional CLI's with it? If so how often? How often did you use your card in the first 6 months? Did you carry a balance? How was their customer service?

Only the one cli. i only have the card 11 months so maybe another cli is coming. in the beginning i had about 25 pct utilization on the card because i needed some auto repairs. i kept a balance on it the first 6 months and then in december i got a penfed card with a zero pct bt offer and i transferred my balance from the mercury to the penfed. the mercury sits at zero bal. it was one of my first zero af cards during my rebuild which is ongoing. its a decent card, i have no complaints. the interest is high but customer service is good, at least with me.

Re: Mercury Mastercard Approval

babygirl1256 — Fri, 20 May 2022 20:12:44 GMT

Congrats on your Mercury Mastercard approval.

Re: Mercury Mastercard Approval

SEAlifer — Fri, 20 May 2022 20:20:57 GMT

Congrats!

Re: Mercury Mastercard Approval

KingRue8500 — Fri, 20 May 2022 20:33:54 GMT

Congrats on your Mercury Mastercard approval

Re: Mercury Mastercard Approval

cashorcharge — Fri, 20 May 2022 22:22:08 GMT

That's terrific!! Congratulations on your Mercury Approval!! 🎉🥂👏

Re: Mercury Mastercard Approval

beonebridge — Fri, 29 Jul 2022 13:06:09 GMT

Congratulations on the Mercury card, I was recently approved also. $1k limit TR 720. Cli see you have a Pen Fed cc - can you share where they pulled and if income is verified?

Re: Mercury Mastercard Approval

Pway — Fri, 29 Jul 2022 15:03:28 GMT

Congrats on the approval.

Re: Mercury Mastercard Approval

bigseegar — Fri, 29 Jul 2022 17:41:16 GMT

@beonebridge wrote:
Congratulations on the Mercury card, I was recently approved also. $1k limit TR 720. Cli see you have a Pen Fed cc - can you share where they pulled and if income is verified?

PenFed typically HP's EQ and sometimes they do req ICV and sometimes they don't.