I’ve had a Merrick card for about 6 years. I used it to rebuild my credit after a bankruptcy. My initial introductory APR was 16% for 18 months, then it went up to 23%. The cash advance APR is extremely high. I currently have a zero balance and a $3000 limit. I keep the account open because it helps my credit score which is now well over 700 (from a low of 565 !). If you use it wisely, it’s a good card for rebuilding credit. I only use it now for convenience and only when I can pay off the balance within the grace period.
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