That is what the Fair Credit Reporting Act is for. If you feel as if you are being “snookered” then you need to report it to the FTC. There are rules and regulations for credit card companies to follow and if they do not, then you take them to task. Every credit card company has a problem with something. Usually it is the interest rates, but mostly it is the customer service end. Pay your bills on time and they get you with something else. It is not just Merrick Bank….
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