I have been with merrickbank for over 10 years, never missed a payment never been late. Paid off balance several times… when I asked for the interest rate to be lowered because my credit score had improved over the years. Was told not at this time. They raised my credit limit by 4000.00 after 7 years I paid it off again. This time I asked for a reduction in interest rate and was told that they do not lower interest rate ever. Will be paying them off this time for the last time. I will keep the card unless they close it. But I really do think that if you remain a good customer for years you should be given credit for that. By giving at least a reason other than “not now or we never do that”.. After reading this forum I don’t feel as badly as I did. Now I know the truth about a company that I love but I have outgrown.. they only want subprime customers and If we keep letting people know what they are about they will change or go out of business. So don’t get mad at them. They are helping people in some way. Just as this forum has helped me. I realize that no matter how good or long you have been a customer The love the interest rate and will continue to charge.. so use them and lose them. They won’t change.
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