While the Merrick bank card is not the best, I went ahead and got it. I have been rebuilding my credit for the last couple of years after a terrible income shortage in 2006-2007. My score is just under 700 now (it was 540 2 years ago). I was advised to get some more available credit and that should increase my rating. I did it to get the $700 limit and will put $10 a month on it until it is raised to $1400 and then only use it to rent cars (which I only do if I have the cash on hand). The extra available credit should up my score to over 700. The responsible use of low limit HSBC card (now issued by Cap One) has done wonders for my score. I just need more available credit and more recent history to increase my score some more.
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