By: Kevin

I’ve had them for several years. They were a card that I needed when no one would approve me. I started with a 300 limit now it’s at 3,250. (Kudos to them)
Here’s the thing…. You pay your dues for past crimes. I now have Amex Delta, Sapphire Chase and BOA travel rewards with 4 times the limit with zero % for 12-18 months. I say all this to say that Merrick Bank will NOT REDUCE the interest rates. That’s fine… I don’t carry balances. BUT when I asked for the yearly fee to be removed they said no. I am waiting for that last payment from 72 hrs ago to post and close.
If the computer says no, fine. They cannot make human decisions. But for a rep to make that call and quite cavalier I might add. So keep that in mind…. When you have corrected your past mistakes, move along. They have gotten something out of the deal as well.