Merrick bank

[Rmullens2208]

Anyone heard of this company got a pre approval offer for a double your credit line visa just wondering if I should pull the trigger I'm trying very hard to garden given I have an inquiry or two more then the average

[Anonymous]

What other cards (with limits) do you have and what are your scores?

[Anonymous]

Merrick Bank is a subprime lender. That particular card has no rewards, a very high APR, and often an annual fee. MB can be okay if you're just starting a rebuild, but generally not worth considering if you can get a Capital One or Discover card.

[Rmullens2208]

---

@Anonymous wrote:

What other cards (with limits) do you have and what are your scores?

---

I currently have a dell preferred card a credit one card and a possible recon review for a synchrony back card so I got a pretty solid line up

[Rmullens2208]

For those interested I have a credit karma score of 618 Eq 609TU and Experian.com credit score of 571 so I got pretty solid scores as well but as was mentioned I have an inquiry or two in excess.

[Rmullens2208]

So after recieving an offer in the mail for a double your CL credit card a Visa! I decided to pull the trigger applied and got a 7-10 day message is this an approval or Will I need to send in some docs anyone got a back door number?

[FinStar]

@Rmullens2208 

Two threads on practically the same subject (i.e. Merrick Bank) have been merged.  Please refrain from cross-posting in the future; it is against our TOS and forum guidelines and it can lead to confusion by the members.  Thanks for you undersanding and cooperation on this.

[Anonymous]

Posts have been removed. A reminder that FSR is not optional on MyFico.

[seattletravels]

---

@Rmullens2208 wrote:

For those interested I have a credit karma score of 618 Eq 609TU and Experian.com credit score of 571 so I got pretty solid scores as well but as was mentioned I have an inquiry or two in excess.

---

Just FYI - these aren't solid scores.  With your CreditOne, Dell, and new Synchrony, I would have advised you wait for 12 months or so before trying for new credit and work a little further on your rebuild.

[Anonymous]

---

@Rmullens2208 wrote:

So after recieving an offer in the mail for a double your CL credit card a Visa! I decided to pull the trigger applied and got a 7-10 day message is this an approval or Will I need to send in some docs anyone got a back door number?

---

This is normal for Merrick, I applied last year and had the same result. A week went by and I never heard anything so I called and they said I was approved.