i have this merrick bank card which was a mail offer only once i got approved for capital one .. my credit score wasn’t the best i was def in the process of re building , however its funny that people complain about high interest rates or annual fees,.. you don’t really have much of a choice when you don’t have great credit .. you have to start somewhere . i was initially approved for 7oo. I’ve had the card for about a yr now with good credit history i am up to 1400 limit! yes interest rate is a bit high but all cards pretty much will be if you don’t have a great score! i would def rec this card if you get a mail offer ( only way ) . never had a problem and increases are very frequent i have since improved my score and have quite a few cards and this is the one that increases the most!
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