Merrick is a great card with regular credit limit increases and US-based customer service.
There are plenty of whiners on this board who didn’t pay their bill on time, went over their limit, paid with the wrong bank account, and those who don’t like the monthly fees or APR’s. I use this card regularly and pay in full or rarely carry a balance for more than 1 additional statement cut before paying in full.
It’s a great card to rebuild credit. I started with $1,000 when responded to a preapproved offer in the mail, and now am up to $2,600 credit limit. I pay this card using Merrick’s web site and pay electronically, always in advance of the due date. I have had ZERO problems with missing payments, the dog eating it, phoney finance charges, or anything else. It’s simple–I use my card responsibly, I pay my bill. I sometimes pay more than once per month.
If you get an offer for this card, get it. Then use no more than 10-20% of your total credit line, especially in the first 6 months. You’ll be rewarded for it with regular credit line increases that range from $300-$600 every time.
‘Nuff said.