By: chuck

I am a former Merrick Bank cardholder. (actually Merrick is not really a bank, they deal in credit cards only) I cut up my card just today (7-29-2013)after I called them and told them they could stick the card up their bleep. I have had my card for about 2 years and had a $1,400 line of credit. I always paid my bill on time, and sent payments way over the minimum required, and sometimes paid the whole amount in full. Well the trouble began when last month
I had a bad month and used my card quite a lot. I went over the limit on my account by $5.00. The overage was due to the adding on of my interest charges and a amount for a cash advance that I took out. I was astonished to find out that they reported my account to the credit bureau because I went five dollars over my credit limit. I know that I should have monitored my account closer so as not to go over. I feel that they should have at least called or e-mailed to let me know that because of their charges my account is over the limit. Well to make a long story short they can go to hell. I got my American Express card today and I am happy bout that. Merrick can kiss my bleep.