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Merrick CLI!

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youngandcreditwrthy
Senior Contributor

Merrick CLI!

Unfortunately, I had to get a Merrick bank card about 9 months ago with around a 600 score to kickstart my rebuild. heh

 

paid off 150k in cc debt and let many of my accounts get closed and go inactive from 2016 to 2023. Was all cash about midway through last year 

 

scores hovering in good range now, and my merrick card somehow only has a $36 AF IIRC.. its like 3$ a month. I dont use it.

 

It was that double your line card after six months and then after three more statements, I got this 200 CLI. Not much, but I can't close it just yet til some of my newer more prime accounts report (plus it's really not a bad card!) 

 

Thanks for coming to my ted talk! lol My score has def gone up and is now back in the 660-680 range and expecting 700+ in next three months!

 

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 1 of 16
15 REPLIES 15
CorpCrMgr1
Valued Contributor

Re: Merrick CLI!

Congratulations on your successful credit journey!

Message 2 of 16
Traveler101
Established Contributor

Re: Merrick CLI!

No matter how big or how small, we all started somewhere. Congratulations on the raise.

Message 3 of 16
BigBS
Senior Contributor

Re: Merrick CLI!

Congrats on the CLI!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 4 of 16
gorgon
Established Contributor

Re: Merrick CLI!

Congrats on your CLI

Message 5 of 16
Zoostation1
Valued Contributor

Re: Merrick CLI!

Congrats on the CLI!

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
May 2024 FICO 8:
May 2024 FICO 9:
Message 6 of 16
nytokyobred79
Valued Contributor

Re: Merrick CLI!

Congratulations on the successful rebuild.

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $205, 500 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
(pc'd from SkyMiles Platinum back to Blue)
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $39K
Cap 1 Venture Rewards- SL $10K | CL $ 20.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $36.8K
BOA Unlimited Cash SL: $20.8K| CL $10.8K(moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Everyday SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
Message 7 of 16
JoeRockhead
Senior Contributor

Re: Merrick CLI!

Congratulations!

Message 8 of 16
Linnaea
Frequent Contributor

Re: Merrick CLI!

Baby steps. 👶  congratulations!

Message 9 of 16
youngandcreditwrthy
Senior Contributor

Re: Merrick CLI!

Yeah 200 is def a baby step!

 

Thanks everyone!!
there's one guy or girl on here that has a 5k merrick card LOL hey if I can get it there and get them remove any fees (so far they've waived about 40$ in fees on my account)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 10 of 16
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