I applied to Merrick Bank from their invitation. I was approved with a $1,000 limit. With regular, on-time payments my credit scores have vastly improved from 530 to 750 with a FICA of over 750. My Merrick credit limit is now $4,000. BUT- with an almost 30% interest rate, I would rather say “no”. Paid the card off and am closing it forthwith. Have major credit cards now: Chase, Discover, Amex, Barclay, Wells Fargo.
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