same story as most on here for me, insert boo hoo story here followed by bankruptcy. I have all the usual suspects Capital One, Orchard Bank, and Merrick Bank. Out of the 3 Merrick Bank has by far been the best. They have raised my credit limit and gotten rid of the monthly fees. I have no idea what the interest rate is and don’t care, because I’m smart enough to realize that when you are in a credit situation like mine, you don’t carry a balance on these cards, they are there as monthly revolving credit only, carrying a balance on these cards is akin to slitting your own throat and then complaining you cant breathe. Never had a problem with their website, however, they are MUCH slower to process payments than Capital One or Orchard so you have to factor that in, the best thing you can possibly do is setup the automatic min payment to go through just in case they have some sort of snafu. The best part of Merrick is they give you your FICO score every month for free, so you can see the progress you are making.
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