Merrick bank has been a good credit card issuer so far based on my experience. Their customer service was very helpful, one time I misplaced my credit card in the house and reported the card lost, they suggested me to block the card for few days until I found my card. So I found my card in one of the books I was reading. They have increased my credit limit couple times, starting from 1250, and now 1850 ( on average it was every 4 month a cli, the first cli was given a year later ). They are not the highest credit limit I have so far with 21% apr. I still use it to re-establish my credit ( currently exp. 698, transunion 660, it was like experian 638 and transunion 630 at the time I applied for the card last year ). I fired several low limit credit card like HSBC, capital ones and orchard bank. I paid my credit card payment once the statement is generated and keep some balance on the card. They calculate the average daily balance for interest charge if you are keeping a balance. I sometimes PIF in some months.
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