This bank is great for those who want to establish credit. I’ve read the reviews on Merrick Bank and the truth is: Its not a bad bank. I’ve been a customer for more than 3 years and have an unsecured credit card. My credit has improved since then. The annual fee is minimal. Other credit card companies for those with bad/no credit have an annual fee PLUS a membership fee. I’ve had credit increases every 3 to 5 months with Merrick. If you dont pay your bills on time and have high balances close to your credit limit, you cant blame Merrick Bank for charging a late fee or over-the-limit fee. CREDIT CARDS ARE NOT FOR CASH ADVANCES! The rates will be high for ALL BANK CARDS! These customers writing bad reviews on Merrick Bank should feel fortunate rather than complain, its not Merricks or any Banks fault that customers dont responsibly pay on time or keep low balances.
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