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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I applied for this card under the premise that they would double my credit line after 7 months of on-time payments. I was skeptical, but saw a lot of positive reviews that claimed the company did in fact stay true to their word. I waited 7 months before posting this review as I wanted to make sure it happened. Guess what? It did! I started off with a $700 unsecured credit line, and just shy of 2 weeks after the 7-month mark hit my credit line was doubled. I didn't even use the card for about 3 months, which I thought might affect my eligibility.
The high interest rate makes it not as appealing of a card to some, but as somebody who is rebuilding credit and often only gets approved for very low amounts of credit this is a pretty good card to have on hand for emergences.
However, one last word of advice is not to lose the card. I thought I lost my card and requested a new one, which was happily sent out if I agreed to a $15 replacement fee. Not happy about that, particularly because I found my card the next week (go figure).