https://ficoforums.myfico.com/t5/Credit-Cards/Pre-Selected-Offer-from-Merrick-Bank/m-p/1156827#M323204 <P>Today I received a pre-selected offer from Merrick Bank. I opted-out maybe a month ago but I know offers can still continue for a little while. Anyways they offered me a $700CL that would increase to $1400CL after 7 months.</P><P>&nbsp;</P><P>Obviously I'm not taking it for several reasons. 1) I don't need it.&nbsp; 2) I opened the Barclay's Apple card in November and don't want it closed.&nbsp; and 3) After I opened the Barclays card and a new Cap1 card (both in November) my TU dropped nearly 40 points.</P><P>&nbsp;</P><P>So thanks, but no thanks. Even though I opted-out, it still felt good getting an offer. The new accounts killed my AoAA and then my FICO so it felt nice to know I'm considered credit worthy by somebody. It's a good feeling being able to shred offers when only a year ago I would have killed for this offer.</P> Thu, 12 Jan 2012 04:05:13 GMT mAndrew1980 2012-01-12T04:05:13Z https://ficoforums.myfico.com/t5/Credit-Cards/Pre-Selected-Offer-from-Merrick-Bank/m-p/1156827#M323204 <P>Today I received a pre-selected offer from Merrick Bank. I opted-out maybe a month ago but I know offers can still continue for a little while. Anyways they offered me a $700CL that would increase to $1400CL after 7 months.</P><P>&nbsp;</P><P>Obviously I'm not taking it for several reasons. 1) I don't need it.&nbsp; 2) I opened the Barclay's Apple card in November and don't want it closed.&nbsp; and 3) After I opened the Barclays card and a new Cap1 card (both in November) my TU dropped nearly 40 points.</P><P>&nbsp;</P><P>So thanks, but no thanks. Even though I opted-out, it still felt good getting an offer. The new accounts killed my AoAA and then my FICO so it felt nice to know I'm considered credit worthy by somebody. It's a good feeling being able to shred offers when only a year ago I would have killed for this offer.</P> Thu, 12 Jan 2012 04:05:13 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Pre-Selected-Offer-from-Merrick-Bank/m-p/1156827#M323204 mAndrew1980 2012-01-12T04:05:13Z https://ficoforums.myfico.com/t5/Credit-Cards/Pre-Selected-Offer-from-Merrick-Bank/m-p/1157253#M323316 <P>I'll bet it does!</P><P>&nbsp;</P><P>Yay u!</P> Thu, 12 Jan 2012 16:27:31 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Pre-Selected-Offer-from-Merrick-Bank/m-p/1157253#M323316 tcbofade 2012-01-12T16:27:31Z https://ficoforums.myfico.com/t5/Credit-Cards/Pre-Selected-Offer-from-Merrick-Bank/m-p/1157291#M323326 <P>&nbsp;</P><P>Congrats on the pre~approval, but like you said, if you don't need it, then just shred it.&nbsp;&nbsp;&nbsp; Keep gardening and your AAoA will grow older....</P> Thu, 12 Jan 2012 16:56:32 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Pre-Selected-Offer-from-Merrick-Bank/m-p/1157291#M323326 pizzadude 2012-01-12T16:56:32Z https://ficoforums.myfico.com/t5/Credit-Cards/Pre-Selected-Offer-from-Merrick-Bank/m-p/2292541#M644539 Mon, 15 Jul 2013 00:45:48 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Pre-Selected-Offer-from-Merrick-Bank/m-p/2292541#M644539 Anonymous 2013-07-15T00:45:48Z