I've had this card for a year and a half after getting sick and screwing up my credit, and its just fine. I was initially approved for $900 CL with low 500's. Merrick gave me my increase two payments early, and two more in the last six months, bringing me to $2400 and into the mid 600's. My score has gone up enough to replace two fee'd starter cards with an unsecured Capital One Platinum, as well as an Amex Gold that I use as a glorified FICO-reporting debit card. I don't know why there are so many negative reviews, because they TELL YOU when you're on the payment page HOW MANY DAYS your payment takes to post. Also, on the back of your paper statments statments/on your PDFs, it clearly says that if your payment due date is inconvenient, you can call and have it adjusted. A couple of other reviews here said that they were charged "monthly fees", but I just double-checked legit all my statements, and have only been charged my yearly fee...well, yearly. But here's a hot tip: if you want your payment to post the same day instead of waiting three to six, it's $4, soooo that sounds like that's what's going on for those people. The one time I called customer service, I only waited one whole minute for a nice midwestern lady to reset my login password and hand-hold me over the phone until I was logged back in. All-in-all,if you're a risky cardholder, the higher APR, zero perks and yearly fee *really* aren't that terrible to bump your score significantly and show that you can have big-kid cards (again). If you have even just *GOOD* over FAIR credit, this is not the card for you. Oh, and they just updated the app in Spring 2018: it doesn't looke like 1997 anymore, making it easier to pay and review your statments via smartphone.
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