Merrick issued me a VISA card when my FICO was borderline and I had a recent bankruptcy. I knew the interest rate was high, but I expected that. There is not rewards program, but again I knew and accepted that. I make payments on time, usually paying the balance in full. I've had occasion to deal with Customer Service a few times and found them courteous and helpful. The Double Your Credit Limit program is legit - make the first 6 months payments on time and the credit increase is automatic. This has allowed me to improve my FICO to the point where I can now get other credit. In short, my experience with them has been excellent.
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As someone who is in the process of rebuilding my credit, I was just happy that I was given an unsecured line of crredit. The intrest rate is a little high, but I dont carry a balance. After 6 months my credit line went up. Customer service is okay and payments post the next day. I really cant complain about this card