Merrick has been good to me for about 6 months now. No fees $1,500 to begin with and yes I had a Bankruptcy in 2011, I have about 2 Capitals, 2 Barclays, Discover, couple of store cards, etc. All have HIGH rates and Cap sticks it to me for an annual fee. But no problem with Merrick to date, we will see what happens in the future though!
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