It's a high interest rate and they charge a fee, but that's to be expected when you have bad credit. I have had this card for well over a year now and have never missed a payment. At 6 months they increased my limit from $500 to $1000. I was hoping to see another credit limit increase after another 6 months of on time payments, but it hasn't happened yet. (They don't accept calls/requests to raise a limit... they just review periodically.) I've paid off some old debts, kept on top of my current bills, and have a spotless record with this card and in a year and a half, my credit score has jumped from a miserable 514 to 597. I still have a loooong way to go in rebuilding my credit, but my Merrick Bank card has definitely helped!
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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