Merrickbank card is awesome. Yes the apr is hight but i have no fees from them what so ever. They gave me $1000 limit when other banks won’t give me a card at all. Or a card with a $350 limit with $90 annual fee and 29% interest rate. I believe the people who have problems with merrickbank are self afflicted wounds. If you pay your bills on time, you won’t have a problem with them. I pay my bill a week before its due and its fine. So in my opinion, it is an awesome card. Don’t listen to the people who can’t pay there’re bills on time, thats why we all are in that bad credit club anyway. My credit score is improving and i an on my way to good credit, thanks to merrickbank. The card is the best card for bad credit.
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