I don’t know what Merrick Bank the rest of you are dealing with but it’s certainly not the same Merrick I have. My Merrick always posts payments within 48 hours (but usually within 24) when made online. My Merrick has a very easy to navigate website. My Merrick has wonderfully helpful and knowledgeable Customer Service Reps that speak English and are in the US. My Merrick has never tacked on any additional “surprise” fee that I wasn’t fully aware of from the very beginning. My Merrick grants increases for using my card wisely and responsibly. Is there an annual fee? Absolutely! Are there any real perks to this card? Nope! Is the interest rate high? Yes! But whose fault is it that I don’t qualify just yet for a card with a lower rate and tons of great rewards? Mine. Not theirs. However, if you pay your balance in full and well before the due date you don’t have to worry about it! When ya’ only pay the minimum and at the very last minute, they’re not screwing you, you’re screwing yourself. But I digress… It’s a great card for people starting over. God bless Merrick for helping someone such as myself rebuild their numbers.
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