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An offer for a Merrick Bank "Double Your Line' Visa...$700 initial CLI and $1400 after 6 on-time payments...36.49% interest...yeah I'll be hopping on that straight away.

 

Balance X-fer checks from Citi and BOA.

 

APR is 0% if you PIF...unless, of course, that card doesn't have a grace period...does it have an AF? :grin:

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BT checks from Citi (now with the fee dropped from 5% back down to 3%)   Automobile title from payoff of our last auto loan.

Got some medicine for my cancer. It came overnight. Yeah.

I think the whole "you need an installment loan reporting" exposes one of the weaker side of FICO credit scoring.  You can't tell me that among stronger credits, the presence of an installment isn't a

I've been away from home for a few weeks so I've come home to a large stack of mail:

 

5 fashion catalogs

2 Citi bank application letters

2 Discover application letters

1 Chase Freedom Unlimited application letter

Local sales papers

A few minor bills

 

 

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An offer for a Merrick Bank "Double Your Line' Visa...$700 initial CLI and $1400 after 6 on-time payments...36.49% interest...yeah I'll be hopping on that straight away.

 

Balance X-fer checks from Citi and BOA.

 

APR is 0% if you PIF...unless, of course, that card doesn't have a grace period...does it have an AF? :grin:

 

Doesn't Merrick Bank have the same credit underwear staining characteristics as Credit One and First Premier?

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An offer for a Merrick Bank "Double Your Line' Visa...$700 initial CLI and $1400 after 6 on-time payments...36.49% interest...yeah I'll be hopping on that straight away.

 

Balance X-fer checks from Citi and BOA.

 

APR is 0% if you PIF...unless, of course, that card doesn't have a grace period...does it have an AF? :grin:

 

Doesn't Merrick Bank have the same credit underwear staining characteristics as Credit One and First Premier?

 

 

I'm not sure. Hasn't been an issue for me so far........

 

I've got a Merrick CC. No AF or other fees. APR is 24%. Nothing spectacular though. Thing about Merrick is you have to pay attention to their offers. Their offers and T&C are all over the place. Everything from cards like mine, all the way up to outright fee harvesters.

 

Not sure I've ever seen a Credit One or First Premier card that wasn't a fee harvester.

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An offer for a Merrick Bank "Double Your Line' Visa...$700 initial CLI and $1400 after 6 on-time payments...36.49% interest...yeah I'll be hopping on that straight away.

 

Balance X-fer checks from Citi and BOA.

 

APR is 0% if you PIF...unless, of course, that card doesn't have a grace period...does it have an AF? :grin:

 

Doesn't Merrick Bank have the same credit underwear staining characteristics as Credit One and First Premier?

 

 

I'm not sure. Hasn't been an issue for me so far........

 

I've got a Merrick CC. No AF or other fees. APR is 24%. Nothing spectacular though. Thing about Merrick is you have to pay attention to their offers. Their offers and T&C are all over the place. Everything from cards like mine, all the way up to outright fee harvesters.

 

Not sure I've ever seen a Credit One or First Premier card that wasn't a fee harvester.

 

 

My mom had a Merrick when she was building. It was similar to yours...not the greatest but not as bad as Credit One and First Premier fee wise. One thing that was annoying was that it did have a $4 monthly fee. Their website sucked complete butt though, but it helped otherwise.

 

She got rid of it last year once she got two AMEX revolvers and a BOA Cash Rewards on pre-qual offers.

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I got pissed at a catalog company sending me 2 catalogs today. I told them several months ago to stop, they also shared my address and I got one for another company yesterday. I know they shared it because it wasn't my name on the catalogs. This time I put in their web form that I'd file a PS 1500 if it didn't stop.

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Target Red Card $1,000 for my wife.

 

She has prime cards with $20,000+ limits and 5% cash back.

But this silly $1,000 Target Red Card is the one that got her visibly excited.

She was acting like it was Xmas when she opened the envelope. It was hilarious.

It's TARGET. Maybe it's a girl thing. Because I LOVE target.

 

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An offer for a Merrick Bank "Double Your Line' Visa...$700 initial CLI and $1400 after 6 on-time payments...36.49% interest...yeah I'll be hopping on that straight away.

 

Balance X-fer checks from Citi and BOA.

 

APR is 0% if you PIF...unless, of course, that card doesn't have a grace period...does it have an AF? :grin:

 

Doesn't Merrick Bank have the same credit underwear staining characteristics as Credit One and First Premier?

 

 

I'm not sure. Hasn't been an issue for me so far........

 

I've got a Merrick CC. No AF or other fees. APR is 24%. Nothing spectacular though. Thing about Merrick is you have to pay attention to their offers. Their offers and T&C are all over the place. Everything from cards like mine, all the way up to outright fee harvesters.

 

Not sure I've ever seen a Credit One or First Premier card that wasn't a fee harvester.

 

 

I tried to find their T&C, but apparently you have to apply for the card to know what's in it. :grin:

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An offer for a Merrick Bank "Double Your Line' Visa...$700 initial CLI and $1400 after 6 on-time payments...36.49% interest...yeah I'll be hopping on that straight away.

 

Balance X-fer checks from Citi and BOA.

 

APR is 0% if you PIF...unless, of course, that card doesn't have a grace period...does it have an AF? :grin:

 

Doesn't Merrick Bank have the same credit underwear staining characteristics as Credit One and First Premier?

 

 

I'm not sure. Hasn't been an issue for me so far........

 

I've got a Merrick CC. No AF or other fees. APR is 24%. Nothing spectacular though. Thing about Merrick is you have to pay attention to their offers. Their offers and T&C are all over the place. Everything from cards like mine, all the way up to outright fee harvesters.

 

Not sure I've ever seen a Credit One or First Premier card that wasn't a fee harvester.

 

 

I tried to find their T&C, but apparently you have to apply for the card to know what's in it. :grin:

 

Oh. So it's managed by the US Congress? You know - you have to pass it to know whats in it?

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More BT checks for my Double Cash account. 0% until July of 2017 with 4% fee, same as last week. Blah.

 

BT checks for my Southwest card. 0% until November 2017 and 2% fee. Better, but still meh.

 

Both straight to the shredder.

 

DW got her monthly loan statement on the Mini. She needs to go paperless and save us some trash since her payments are made electronically every pay period anyway.

 

 

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Got my Chase Sapphire Preferred Reserve today. Plastic. Wonder if they'll auto replace it with metal when it becomes available again.

 

 

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Does the metal version have better rewards?

Yes, it doubles as a wine bottle opener. A reward in itself.

 

 

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Got my Chase Sapphire Preferred Reserve today. Plastic. Wonder if they'll auto replace it with metal when it becomes available again.

 

 

Sent from my iPhone using Tapatalk

Does the metal version have better rewards?

Yes, it doubles as a wine bottle opener. A reward in itself.

 

 

Sent from my iPad using Tapatalk

 

 

The gift that keeps on giving.

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I got a pre-approval for $25K from PenFed

 

Same here.

 

The funny thing is, we've been with PenFed since somewhere around '04 (the wife opened the a savings account with them at the very beginning of her pre-BK obsession with CC collecting). As far as I'm aware, we've never had any kind of credit cards with them, and we certainly didn't IIB them. Our logins are froze, and I am not real sure I want to call them to have them unlocked. Maybe in a few years.

 

Aside from the PenFed offer, I also got a check from Wal-Mart for $0.92...for an over-payment I'd somehow made a few months ago. I thought about framing it and hanging it on the wall in the garage as a joke, but I should probably just deposit it into my savings account (so I'll have almost a buck in there :rofl: )

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I got a pre-approval for $25K from PenFed

Same here.

 

The funny thing is, we've been with PenFed since somewhere around '04 (the wife opened the a savings account with them at the very beginning of her pre-BK obsession with CC collecting). As far as I'm aware, we've never had any kind of credit cards with them, and we certainly didn't IIB them. Our logins are froze, and I am not real sure I want to call them to have them unlocked. Maybe in a few years.

 

Aside from the PenFed offer, I also got a check from Wal-Mart for $0.92...for an over-payment I'd somehow made a few months ago. I thought about framing it and hanging it on the wall in the garage as a joke, but I should probably just deposit it into my savings account (so I'll have almost a buck in there :rofl: )

I have been a member since 2004 too and have only savings account for membership. My $5.00 has accumulated interest and is about $5.50. If you deposit the Walmart check, you will have $6+.
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I got a pre-approval for $25K from PenFed

Same here.

 

The funny thing is, we've been with PenFed since somewhere around '04 (the wife opened the a savings account with them at the very beginning of her pre-BK obsession with CC collecting). As far as I'm aware, we've never had any kind of credit cards with them, and we certainly didn't IIB them. Our logins are froze, and I am not real sure I want to call them to have them unlocked. Maybe in a few years.

 

Aside from the PenFed offer, I also got a check from Wal-Mart for $0.92...for an over-payment I'd somehow made a few months ago. I thought about framing it and hanging it on the wall in the garage as a joke, but I should probably just deposit it into my savings account (so I'll have almost a buck in there :rofl: )

I have been a member since 2004 too and have only savings account for membership. My $5.00 has accumulated interest and is about $5.50. If you deposit the Walmart check, you will have $6+.

 

 

:rofl:

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