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Discover Cash Back and Merrick Bank Approvals

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New Contributor

Discover Cash Back and Merrick Bank Approvals

Got approved for two cards within a two month time frame. I was approved for a Discover it Cash Back card back on December 10, 2019, and then I received a mailer pre-approval from Merrick Bank Double Your Line Offer after getting accepted for the Discover it. I almost did not take it due to the fact that I just got the Discover it Card a week from the mailer getting to me. But I am in the process of building/repairing credit and carefully read the Merrick Bank DYL Offer and some of the posts on myFICO forums and I did not see any annual fee but a potential to boost my credit history by having more than my four lines of credit reporting positive payment history within this next year.

 

A few additional details to share:

 

CR pulls/FICO: Discover pulled EQ 633. Merrick Bank pulled TU 671.

UTI: 0% at the time across all of my cards which included Cap One QS $1000 and Cap One PL $1000. I got hit with an all zero penalty score drop of 12 points smh. So much for good behavior.

Income: $73K

Baddies: Three alleged collections accounts and one alleged repossession (two of the alleged collections have since been removed)

 

My interest in going after the Discover Card was for the Card Back Match, maximizing rewards, and amazing customer service. They are awesome!

 

Regarding CLIs, I only had one my Cap One QS went from $500 to $1000 back in November 2019. The next CLI is May 2020 and hope to get one on the secured one in March 2020 along with a Discover CLI in late March/early April 2020.

11/09 EX- 765 TU- 744 EQ- 748 || 12 Mnth Inq EX- 4 TU- 13 EQ- 5
Zero Late Payments || Oldest ACC- 13 Yrs
AAOA- 4.5 years || Total CL 23k || Goal: 750 across the board
14 REPLIES 14
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Super Contributor

Re: Discover Cash Back and Merrick Bank Approvals

Congratulations on your approvals!

Message 2 of 15
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New Contributor

Re: Discover Cash Back and Merrick Bank Approvals

Thanks @AllZero ! I should have probably shared the I went ahead and applied for the Merrick Bank DYL offer on January 1, and got approved two days ago. Merrick has already reported it to Experian. Weird. But I decided to take the offer since it expired on the 22nd of January and the past offers I received from Merrick Bank appeared to be of the fee harvester variety that you have a nightmare about.

11/09 EX- 765 TU- 744 EQ- 748 || 12 Mnth Inq EX- 4 TU- 13 EQ- 5
Zero Late Payments || Oldest ACC- 13 Yrs
AAOA- 4.5 years || Total CL 23k || Goal: 750 across the board
Message 3 of 15
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Epic Contributor

Re: Discover Cash Back and Merrick Bank Approvals

Congrats on your approvals!

popcorn eating emoticon.gif

Message 4 of 15
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Valued Contributor

Re: Discover Cash Back and Merrick Bank Approvals

Congrats on your approvals.

12/18/19




05/27/20





Cards

Authorized User
Message 5 of 15
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Senior Contributor

Re: Discover Cash Back and Merrick Bank Approvals

Congrats on your new approvals!




Message 6 of 15
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Community Leader
Senior Contributor

Re: Discover Cash Back and Merrick Bank Approvals


@ultimaterewardsguy357 wrote:

Got approved for two cards within a two month time frame. I was approved for a Discover it Cash Back card back on December 10, 2019, and then I received a mailer pre-approval from Merrick Bank Double Your Line Offer after getting accepted for the Discover it. I almost did not take it due to the fact that I just got the Discover it Card a week from the mailer getting to me. But I am in the process of building/repairing credit and carefully read the Merrick Bank DYL Offer and some of the posts on myFICO forums and I did not see any annual fee but a potential to boost my credit history by having more than my four lines of credit reporting positive payment history within this next year.

 

A few additional details to share:

 

CR pulls/FICO: Discover pulled EQ 633. Merrick Bank pulled TU 671.

UTI: 0% at the time across all of my cards which included Cap One QS $1000 and Cap One PL $1000. I got hit with an all zero penalty score drop of 12 points smh. So much for good behavior.

Income: $73K

Baddies: Three alleged collections accounts and one alleged repossession (two of the alleged collections have since been removed)

 

My interest in going after the Discover Card was for the Card Back Match, maximizing rewards, and amazing customer service. They are awesome!

 

Regarding CLIs, I only had one my Cap One QS went from $500 to $1000 back in November 2019. The next CLI is May 2020 and hope to get one on the secured one in March 2020 along with a Discover CLI in late March/early April 2020.


Congrats, and continued success on your rebuild.

Message 7 of 15
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Valued Contributor

Re: Discover Cash Back and Merrick Bank Approvals

Congratulations on your success!!

Thanks for sharing it :-)

Message 8 of 15
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Valued Contributor

Re: Discover Cash Back and Merrick Bank Approvals

Congratulations !



Starting score - May 2018

June 2020

AAoA - 9 months
Message 9 of 15
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Frequent Contributor

Re: Discover Cash Back and Merrick Bank Approvals

Congrats! And welcome to the Disco!



Goal: Mortgage/Chase Trifecta






Message 10 of 15
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