https://ficoforums.myfico.com/t5/Credit-Cards/New-Merrick-PreQual-Offer/m-p/4710824#M1367049 Not bad for folks without credit. My favorite starter card is still Cap One though since you can grow with them so much more than a bank like Merrick. Wed, 10 Aug 2016 14:02:22 GMT Anonymous 2016-08-10T14:02:22Z https://ficoforums.myfico.com/t5/Credit-Cards/New-Merrick-PreQual-Offer/m-p/4710670#M1367008 <P>I debated putting this in CC Applications, but since I'm not planning to apply, seemed more appropriate here.</P><P>&nbsp;</P><P>I got quite the shock with the Merrick offer I received in the mail today, &nbsp;No AF, and a 23.9% (maybe even a bit lower) APR. &nbsp;This is like Cap One Plat territory.</P><P>&nbsp;</P><P>Thought everyone would enjoy the data point. &nbsp;I still can't bring myself to apply, but it's not as outrageously horrible as you usually see from Merrick.</P><P>&nbsp;</P><P>&nbsp;</P> Wed, 10 Aug 2016 06:23:29 GMT https://ficoforums.myfico.com/t5/Credit-Cards/New-Merrick-PreQual-Offer/m-p/4710670#M1367008 Anonymous 2016-08-10T06:23:29Z https://ficoforums.myfico.com/t5/Credit-Cards/New-Merrick-PreQual-Offer/m-p/4710675#M1367010 I'm still getting the ones with the 39AF.... I've plenty of prime cards now, sooo, off to the dustbin that goes!!! Wed, 10 Aug 2016 06:39:54 GMT https://ficoforums.myfico.com/t5/Credit-Cards/New-Merrick-PreQual-Offer/m-p/4710675#M1367010 Anonymous 2016-08-10T06:39:54Z https://ficoforums.myfico.com/t5/Credit-Cards/New-Merrick-PreQual-Offer/m-p/4710824#M1367049 Not bad for folks without credit. My favorite starter card is still Cap One though since you can grow with them so much more than a bank like Merrick. Wed, 10 Aug 2016 14:02:22 GMT https://ficoforums.myfico.com/t5/Credit-Cards/New-Merrick-PreQual-Offer/m-p/4710824#M1367049 Anonymous 2016-08-10T14:02:22Z