I got a Merrick Bank card about 6 months ago and its been a breeze for me! I’ve used it for several things and have paid the bill on-time each and every month on-line through my checking. I’ve also had a fifth third card for about 2 years now and have never paid late. I just got a pre-approval letter from Amex in the mail and applied….Approved!!! I was so excited!
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