Merrick CLIs?

[Anonymous]

I just got my score today too..I wonder if they just do all accounts at once because mine is always like 14 days old when they get around to updating it.

[Anonymous]

I haven't had a CLI from them too for almost 9 months now. Last year they gave me 3X200 CLI within like3-4 months to bring to 1800, and I. Stuck there ever since. I concur that MerrickBank is a nice bank to deal with. Just pay your bills ontime and everything is well taken care. I've never had any issues with them ether

they do charge a fee to replace your card. Mine still has 48 AF, 24.99% APR but I still keep the, because main,y they gave me a card when nobody else did. 

[windyhair]

merrick was really good to me for automatic clis, but i used it for my go-to for amazon purchases and used it monthly. i held a balance every so often. i went from an initial $700 to $2900 balance in a little over 2 years. i have to say i've never had a problem with them. the apr is terrible, but my credit sure wasn't pretty, either.

[Anonymous]

My DH has had his Merrick card since Aug 2012.  He is only at $1,800.  I looked at his history.  He started out with $500.  His first anniversary, it went to $1,000.  Then he received a $200 increase every 3 months for the 2nd year.  He hasn't had anything since his 2 year mark.  The problem we are having is in August, they started charging him a $3 monthly fee.  He called them.  They told him it was how they bill the annual fee.  First off, there wasn't supposed to be an annual fee.  They said it was a change in policy and he was mailed the new terms last July.  I definitely don't recall getting anything.    He told them he doesn't have an issue with an annual fee but he has an issue with this $3 BS every month.  They refused to change it.

He has other cards now and would close it but we are going to buy a house this year.  We don't want to risk anything hurting his scores or credit.  He already closed Credit One after he got his Capital One QS and Venture.  That monthly fee is bugging me to no end.  If the best score scenario is 1 card with less than 10% balance, this card is sure screwing with his scenario.

[masscredit]

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@Anonymous wrote:

My DH has had his Merrick card since Aug 2012.  He is only at $1,800.  I looked at his history.  He started out with $500.  His first anniversary, it went to $1,000.  Then he received a $200 increase every 3 months for the 2nd year.  He hasn't had anything since his 2 year mark.  The problem we are having is in August, they started charging him a $3 monthly fee.  He called them.  They told him it was how they bill the annual fee.  First off, there wasn't supposed to be an annual fee.  They said it was a change in policy and he was mailed the new terms last July.  I definitely don't recall getting anything.    He told them he doesn't have an issue with an annual fee but he has an issue with this $3 BS every month.  They refused to change it.

He has other cards now and would close it but we are going to buy a house this year.  We don't want to risk anything hurting his scores or credit.  He already closed Credit One after he got his Capital One QS and Venture.  That monthly fee is bugging me to no end.  If the best score scenario is 1 card with less than 10% balance, this card is sure screwing with his scenario.

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I'd be very unhappy about that. First the fee with no notice and then $3. per month screwing up my one card reporting. I hope I don't cross that bridge.

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@Anonymous wrote:

I just got my score today too..I wonder if they just do all accounts at once because mine is always like 14 days old when they get around to updating it.

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Mine was the same. Each month it's dated the 14th/15th but it posted on the 28th.