Invitation to Merrick Bank. :)

[Anonymous]

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@Anonymous wrote:

Too little, too late.

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See that's what I posted last week about the kind of offers you get when your scores are in the 600's. When your scores get back in the 700's, your bureaus won't trigger those kinds of offers.

[revjamesl]

So much win in this thread.

[DaveInAZ]

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@ddemari wrote:
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.

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Yeah, Merrick was a great rebuilding card for me, got it less than 1 year post BK7 discharge, almost 4 years later my CL is $3100. I've outgrown it with CCs with rewards & much larger CLs, so I have it SD'd but have Netflix & another small monthly bill post to it & PIF before statement to keep it active. No AF, I think Merrick is now waching what Credit One & Firsat Premier get aways with and started charging AF & other fees. I wouldn't say the CSRs are rude, they're just useless, but by design - you can't ask for anything on this card. When the card comes in the mail it says "Don't call us for CLIs, your account is automatically reviewed for CLIs". I needed to carry a balance on a card a couple years ago and called & asked for a lower APR, rep said "customers are not allowed to request a lower interest rate". I was like OK, I carried the balance on another card at 16.9% instead.

[DaveInAZ]

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@Anonymous wrote:

Too little, too late.

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I'm wondering if when you get declined for a CC the CRAs sell your info to a subprime CC companies, generating these offers to those often well past having any use for them? I was approved for a Cap One QS sig visa w/$10k SL last Oct and got carried away & app'd for US Bank and Discover IT, both declined. The next month I got a pre-approval offer from First Premier and then some other bank HQ'd in SD I'd never heard of with similar attrocious terms. I hadn't gotten such crappy offers since shortly after my 2010 BK. The CRAs see the inquiry, and when they don't see a new TL from that CC company they know you were declined.

[BallBounces]

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@DaveInAZ wrote:

I'm wondering if when you get declined for a CC the CRAs sell your info to a subprime CC companies, generating these offers to those often well past having any use for them? .

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I think this is indeed the case.