Don’t get too comfortable with this monster. Trust me. Monster will attack you when you’re least expecting it. That’s one of monster’s biggest strengths, surprise attacks. I always pay all my bills and credit accounts on time promptly every month. This doesn’t matter to the Merrick monster. They’ll find a way to screw with you, even when you’ve done nothing wrong. I promise you that. Monster doesn’t care if you’re responsible customer or not, monster only cares about what extras it can squeeze out of you. I’ve had this account since 2006. It was a good card for the first few years. They seemed very fair in the early going, and dare I say I actually considered it my best account (2006-2008). However, something happened 4 years ago. I’m not sure if Satan took over the business, but on the heels of Obama’s 2009 credit card regulating provisions, Merrick monster was the first of my accounts to hot rod to the finish line to blow up my interest rate from 18.9% to 31.9%!!! Explain that! Merrick has no explanations, except “that’s just our policy” #1 common answer. Well, I rejected their new terms so they’d closed my account. They have the highest interest rate of any account I possess. I’ve been paying off the balance and it’s been seriously shrinking for the past few years now. So, the Merrick monster is getting nervous that one of it’s longest standing food sources is becoming closer to being unavailable, and they’re right. They’ve been on the executioner’s list since 2009. Recently after making electronic payments on-time every month for the past 5 years, my access was shut down. FYI; I went to a good bank of mine today and got approved for a loan to pay off the Merrick beast. I’m overjoyed! This is one very bad creditor I’m finally going to be rid of. I suggest to you, if at all possible, get rid of the monster before it attacks you. Because it will. Don’t get caught in monster’s trap. Get away while you still can. Good luck!
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