I concur with your review. I have had Merrick Bank’s Unsecured Visa card since 2007. I have never had any problem whatsoever. When my balances where high they even increased my credit limit. I pay on time online and through their App, in full and always keep my expenditures under 20% of my max credit. No magic, no frills, no points… Just a useful and standard card. I like it. It behaves just like all my other cards.
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