I hate to see so many bad reviews for this card. I think it's coming from people that just don't understand how credit works. I've had the card for almost two years. I started with $200 and since have gotten numerous credit increases without adding more money to the card. It has helped build my credit so much that I was just approved for a Citi Card with a credit limit of $4,000! A West ELM card with $2,000, Capital One Card with $750.00.
The key is to pay your cards on time every month and try to keep the Merrick Bank (and most cards) below the credit limit.