By: Rebekah

I use Merrick bank and I think this is a great one to make young college kids to get, set the limit at 500 a month, because Merrick Bank does have very helpful people that work there and will walk you through everything if you are not sure to get a card from them. The highest I have seen my APR. is 19.9% and no bank can charge you more than $25 if you go over, nor can they change your rates if you have paid 6 months in a row without a flaw Now, First Premire is a Bank I would run from, they lie and promise ya a nice 9.9% APR – then when you get all set up you notice that it’s really 36% APR, NOW – this is against the CARD act, I called them just to test them and talked to a few people and asked them as to why they did not follow the CARD act, they informed me that the State of S.Dakota has it’s own laws, LOOOOOL I laughed in the phone and told them they need to be fired for you can’t make up your own laws when it’s already in place and has been since Obama signed it. But – They can break what the house, congress, and Obama said yes to, so people would learn credit cards are loans, and you should never have one over 2k.