The card is very good I had a score of 498 and over a six month time my credit score increase to 650 and they increase my credit limit in a six months help me rebuild my credit score and over time I was able to apply for a Discover card and a Capital One card thanks to Merrick Bank
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 18.45%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I applied for this card w/ scores around 600. I deposited $200. After about a year, my CL increased to $250. I've had it for 2 years with no other increases (although I haven't asked for one). Website works, free FICO score, customer service has been OK. Oddly enough, I use this card just like any other, but for some reason the card has been fraudulently used twice at a retailer in another state, even after I was issued a new card. I look out for skimmers and have never lost the card. Both times they took care of it promptly. I am gratefuly that they issued me a card. For some reason, Capitol One wouldn't even approve me for a SECURED card. Now my credit has improved, and I was able to buy a house an apply for a better card.
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