Invitation to Merrick Bank. :)

[Imperfectfuture]

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@Anonymous wrote:

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@Anonymous wrote:

That's a killer APR! I would not have applied for the card anyways due to the high APR. 

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Yeah...Once I saw it had an AF and an APR that's worse than my Cash Advance APR on my other cards...

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Ditto here.  I had them a long time ago, when they weren't doing the monthly annual fee billing, I am unfortunately blacklisted from this deal (heehee).

Glad we are able to not need that card, but how could you resist high apr? Monthly billing of annual fee?  And a guaranteed credit line up to 1400? 

[Imperfectfuture]

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@CreditCuriousity wrote:

Merrick is the best of the re-builder cards period other then secured...  Nixon is obviously beyond merrick, but had this card for a year before I cancelled it..  I had no AF on my version.  Merrick>Legacy>Credit1>FP

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Having had Merrick, and now using Legacy Visa (to be close ind March), I disagree.  With a true rebuild, the apr shouldn't matter.  Plus, these guys won't do the monthly annual fee billing (legacy).  No perks, unless you pay for the rewards program, but with only American reps, I have never had issue, never need to call customer service.   But, I needed some time with a secured card before getting the offer, first unsecured with rebuild.

I wasn't  going to keep the card after qualifying for cap one again, but if I hadn't cleaned up all my reports, I would still keep the card.  It's what it is, a rebuilder.

[TRC_WA]

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@Anonymous wrote:

Too little, too late.

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Grats OP...

Same offer I got...

... about a year too late.

[1GaDawg85]

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@Anonymous wrote:

Too little, too late.

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sweet offer! hope you take it

[Imperfectfuture]

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@1GaDawg85 wrote:

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@Anonymous wrote:

Too little, too late.

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sweet offer! hope you take it

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LOL Dawg got jokes.

[someg33k]

Funny I got one of these in the mail today as well. No Annual fee version

At least a year too late though for me as well. Now that they give me the offer, I dont need the stupid thing. The free TU FICO might have gotten me to bite on the offfer,  if I did not already get that for free with another card.

[ddemari]

I had the merrick card when i was rebuilding. I never had any problems with them. Their csr's are rude though. I closed the card a year ago but i really miss that tu bankcard enhanced fico! I only regret closing it cause of that and as someone else mentioned that was also my same score / credit scoring system chase used on my freedom.

[Anonymous]

For what it's worth, I also received this offer in the mail but the rate is lower and there is NO ANNUAL FEE OR STARUP FEE. Looks pretty straight forward to me.  I guess YMMV.

Merrick Letter

Merrick No Annual Fee

[Anonymous]

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@Anonymous wrote:

For what it's worth, I also received this offer in the mail but the rate is lower and there is NO ANNUAL FEE OR STARUP FEE. Looks pretty straight forward to me.  I guess YMMV.

Merrick Letter

Merrick No Annual Fee

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Pretty cool.