This is a good card to re-establish credit; however, they have the worse service I have ever seen. First and foremost, good luck getting anyone on the line. Second once you do get someone eon the line they are not helpful. The card offers no protection to its customers. I had a merchant who cancelled my course not once but twice, but Merrick decided that since the charge happened more than 90 days prior they would do nothing about it and I would still be responsible for something that does not exist. Any other card I have investigated the problem and issued a refund when appropriate, Merrick does not want to do any of that work and instead decided to try and sell me a protection plan that would cover these issues. WHAT?! Are you kidding me… needless to say I cancelled my credit card with Merrick and now only use my Amex or other credit cards.
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