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I've been rebuilding my credit for a little over a year and have had great success with it so far. Last week I received a pre-approval offer for Merrick Bank's Double Your Limit, with what I think are probably some of the best terms they offer: No annual fee$1250 limit, to double in 7 months if conditions are met0% interest for 12 months19.45% thereafterI had decided to accept this offer as I really want to close my CapOne Secured, but there's one problem... They ran their original soft pull in May, but I just barely opened an Amazon Store Card. I checked on MPM, and my scores have fallen almost 40 points across the board since yesterday. Honestly I'm pretty surprised the hit was so drastic; I expected there would be some decrease due to the inquiry and the decline in Average Age of Accounts, but 40 points seems excessive. It's probably because I made a purchase on the card that brought the utilization up to 32%, but my overall utilization is excellent... Anyway, that's not the point. The point is, I'm afraid to try to accept the offer now. Has anyone been offered terms like these with a lower score? Mine was about 710 when they pulled, is now 670. I already made a payment that brought my Amazon utilization down to 23%, and will make another in about two weeks. Is there any chance my scores will rebound by the end of the month? The offer expires August 27th. Do you think if I let it expire, wait for my scores to increase, and then call they might re-extend the offer? I know it's not the very best card or anything, but it would be my first granted unsecured, and my first with an interest rate under 20%. I'm still very timid about applying for cards, even with my credit being improved (though less so now lol) so the pre approval made me feel a little more secure until I checked MPM. Now I'm just kind of bummed  Thanks in advance for the feedback.

It's my understanding that Double Your Line is Merrick's credit rebuilding card. They have a secured version, and unsecured which is invite only. The invitations often have different APRs and fees based on the soft pull the do for the invite. This was the card and terms offered to me at 710, which obviously they won't approve at 670. Ignore me, I'm an idiot... I thought you were saying my scores weren't good enough for Merrick so I was confused! I like the Quicksilver, also like the Chase Freedom, I'm just worried my scores aren't high enough for either after this recent hit.

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