FYI for those who want to increase their secured Merrick credit line… the minimum increment is $50. I sent in a $35 check and it never posted, and customer service clarified today, this is why.
I have been with Merrick for about 4 months now and no major complaints thus far.
My tip is just to try to pay as far in advance of the due date as you are able. 10 to 14 days prior has worked fine for me. Their computer system seems to have some lag time issues, so if you wait to pay 2 days before the due date, it might not get posted in time (hello Late Fees).