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Hello all i filed for Bankruptcy back October 22 discharged Janurary 23, opened a Mercury credit card April of 2023 limit is $1500. I have put everything on this card, paid in full and no increases meanwhile Ive had Ally give me 2 increases, Merrick 2 increases, Capital one 3 increases. has anyone had this card for a year and more and havent recieved any increases. Experian says score is 660, 631, 642 Hp`s is 10 with transunion
credit usage is 10% out of 53K.
@Mason5821741 wrote:Hello all i filed for Bankruptcy back October 22 discharged Janurary 23, opened a Mercury credit card April of 2023 limit is $1500. I have put everything on this card, paid in full and no increases meanwhile Ive had Ally give me 2 increases, Merrick 2 increases, Capital one 3 increases. has anyone had this card for a year and more and havent recieved any increases. Experian says score is 660, 631, 642 Hp`s is 10 with transunion
credit usage is 10% out of 53K.
Don't feel bad. I've had my Mercury card for 3yrs and 7months now. Got it 9 months after BK7 filing with a SL of $3k. In 2021 around 8 months in, I got one small credit line increase of $550 and it has since remained the same despite usage and payments in full. Not sweating them anyways.
@Mason5821741 wrote:Hello all i filed for Bankruptcy back October 22 discharged Janurary 23, opened a Mercury credit card April of 2023 limit is $1500. I have put everything on this card, paid in full and no increases meanwhile Ive had Ally give me 2 increases, Merrick 2 increases, Capital one 3 increases. has anyone had this card for a year and more and havent recieved any increases. Experian says score is 660, 631, 642 Hp`s is 10 with transunion
credit usage is 10% out of 53K.
Mercury is sort of a weird card in that they have to invite you, and you can't just apply for it.
But completely unlike the AmEx Centurion, Mercury is mostly looking for people fresh out of bankruptcy that don't have other realistic choices, and within the post-bankruptcy cards Mercury is not utter crap.
But it is what it is. If you can get cards from a name brand bank that have better rewards, why would you care about a Mercury unless you get an offer for the no annual fee one that has 5% on groceries and gas. That one would still interest me even all these years later, but 1% isn't doing anything for me at this point. I can fall on my face and get a better card than that from at least half a dozen major banks.
They have offered a 5% on groceries and gas card to at least some people, and if Mercury says you get a card, you know before you apply that you'll get it. Apparently they think that floating 1% might still get my attention and they're wrong.
I'm running 750s across the board, never a baddie or a BK, 11% util., 1/6, 3/12 on new accounts, $25,900 TCL on $21,500 income and Mercury sent me 3 mailers last week offering "Pre-Approved Credit Line Starting at $4,000". I have no sub-prime cards (never bothered with them). Mercury's madness is more perplexing than Capital One's...
I'm hoping to let these cards grow for the next couple years get rid of all my inquires and baddies also have Venmo but limits $300
capital one I have a Savor one $300, Quicksilver $3000, SDFCU $500 secured. Wanting to get with PenFed or Chase/ Amex but I know it'll be 5+ years for those.
I checked my app today and I received a $500 increase I mean I wish it was more but better then nothing.
Started with mercury at 3k, now at 6.1k never asked for any increases.
Never had a bankruptcy either.
I am 2 years out of bankruptcy and applied for the Mercury card on Credit Karma which
@Mason5821741 wrote:Hello all i filed for Bankruptcy back October 22 discharged Janurary 23, opened a Mercury credit card April of 2023 limit is $1500. I have put everything on this card, paid in full and no increases meanwhile Ive had Ally give me 2 increases, Merrick 2 increases, Capital one 3 increases. has anyone had this card for a year and more and havent recieved any increases. Experian says score is 660, 631, 642 Hp`s is 10 with transunion
credit usage is 10% out of 53K.
offered a starting credit limit of $4500 with 1% cashback and no annual fee. I jumped on it. I currently only use it as my designated Amazon purchase card so it should get a few thousand dollars worth of usage a year. They have also aligned with Amazon and from what I'm told, when you earn points, they show up on the Amazon website for easy redemption. My card is too new to confirm this. So far, it seems like a very good card and I will likely keep it after my rebuild just because the starting limit was so high and they took a chance on me.
I received an offer for a $5K SL about a year ago so I jumped on it. I hardly use the card because I figure it will hardly grow.