After reading all of the good and bad reviews, I applied for this card. It was the first credit card I have have in about 20 years. I paid heed to the poor reviews, they warn of the delays in applying your payment to your account. So I make a purchase, then pay it off as soon as it shows up on the account, which is usually a couple days. The payment you make online also takes a couple days to show up. Take this into account and use the card responsibly. It is a tool to build your credit, not an excuse to go spending wildly.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR Not Applicable
- Annual Fee $36 the first year. Billed $3 per month thereafter
- Purchase Intro APR Not Applicable
- Purchase Regular APR 17.70%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I have had a Merrick card for 3 years and I recently noticed a charge for cash advance...I spoke to the company about this becasue I did NOT take out cash on my credit card and after a lengthy discussion I was basically told tough luck lady you're paying for it. Horrible customer service! I was charged for a service I never used and money I never spent!!
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See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.
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‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.