Chances are you have a poor credit score if you’re looking at this card. If so, make sure to pay your bills on time, month in and month out. It’s the best thing you can do to rehabilitate your credit.

That’s partly because payment behavior is the single biggest factor in a FICO credit score calculation.3  Plus, if you pay on time, you’re likely to get that higher credit limit—giving you more wiggle room and improving your credit utilization ratio. (Scoring systems like to see that you’re using less than 30% of your available credit.)4  

You should also aim to pay your balance in full, if at all possible. Interest charges can balloon your credit card debt, increasing your chances of falling further behind. With a 27.70% APR, for example, interest charges would inflate $1,000 in debt to $1,523 if you could only manage a payment of $35 a month. Likewise, paying off a balance of $2,000 could cost you a whopping $4,255 if you could only afford $50 a month.

tips:While this card may wind up being quite expensive, you can do worse. Many other cards for people with bad credit profiles have yet another type of onerous fee you should aim to avoid: a monthly maintenance fee. This fee is commonly $6.25 or more, adding to your financial burden at an annual cost of at least $75.


How to Get the Most Out of Merrick Bank Credit Card

Men’s Wearhouse Perfect Fit Credit Card

The Men’s Wearhouse Perfect Fit Credit Card is both a credit card and a rewards card for frequent shoppers, but customers don’t have to have the Perfect Fit Rewards credit card to be part of the program.With the Rewards Program, users get certificates that are valid for a period of six months after they’re issued. For every $500 in purchases a member makes, they get a $50 rewards credit. This can save a lot of money for customers who often shop in this store.

Levin's Furniture Credit Card

Visiting top-performing stores and home furnishing retailers means you need to have your pocket be filled with cash. But with Levin Furniture Credit Card, you have a most preferred and hassle-free option to deal with payment problems. Levin Furniture Credit Card is offering 0% APR and also comes more additional advantages to best meet your requirements.

Midas Credit Card

So, this Midas store card is another credit card from Synchrony Bank. But is this credit card really worth getting it? At a first sight, this credit card doesn’t seem to offer any tangible benefits. Yet, let’s discover the details of this credit card in our Midas credit card review. Midas Credit Card is a store credit card issued by Synchrony Bank. If you're wondering whether Midas Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Kohl's Credit Card

The Kohl’s Credit Card, issued by Capital One, has “bargain shopper" written all over it. Fans of the department store can combine the card’s discount offers with rewards from Kohl’s other loyalty programs to maximize their savings throughout the year. And also, the Kohl’s Credit Card has relatively standard fees as store cards go, including a high APR.

BrandSource Credit Card

The BrandSource Credit Card is a Citi-provided credit card for financing purchases at BrandSource, a major retailer of appliances, electronics, and other home products with more than 4,500 locations nationwide. Cardholders also receive no-interest financing options and special offers and rebates.It requires a low credit rating and can be used at Brandsource stores.

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Related Credit Card/Article

Full reviewMerrick Bank offers three credit card products: the Merrick Bank Double Your Line™ Visa® Credit Card, the Merrick Bank Secured Visa® Card and the Merrick Bank Visa® Card. Unlike points or cash back cards, these cards do not feature any rewards. Instead, they are focused on customers
Online PaymentTo make a One-Time payment, select “Pay Bill” from menu on the top navigation bar, and then select "Make One-Time Payment" from the Online Bill Pay screen. Then, choose the amount you want to pay on your account. You can choose to pay the Minimum Payment Due, the Cur
The Merrick Bank Secured Visa card can be an option worth considering for those who have limited credit history or bad credit scores (between 300 and 579) since this card has no minimum credit score requirement. The security deposit provides security to the card issuer, allowing you to rebuild your
Apply onlinesearch the MerrickBank websiteOn the MerrickBank.com home page, click the "Enroll" link located on the top, right hand side of the navigation menu. You may also enroll by clicking the "Not Enrolled" link located under the Cardholder Center login.
Reward$200 Minimum Deposit: Many secured cards require minimum deposits of $300 to $400, which means the Merrick Bank Secured Visa Card is less taxing on your finances and thus more accessible. Plus, you can add to your deposit over time, up to a total of $3,000, for added charging power and faster
The Merrick Bank Secured credit card graduation process is not exactly traditional.While many credit card issuers will upgrade a customer's account from a secured card to an unsecured one after using their card responsibly for at least a year, it's a bit more complex here. Merrick Bank will
Merrick Bank, for those of you who aren’t familiar with the institution, is an online lender headquartered in Utah that specializes in credit cards and boat/RV financing. That’s interesting enough, but the Merrick Bank Secured Visa Card doesn’t offer much to hold your attention. Don’t get us wrong; it’s not a bad card. It’s just a no-frills, moderately priced option with competitors that are both cheaper and more exciting.
Merrick Bank Credit Card