They are good for consistent CLIs if you use the card. They just have regular cards, no rewards. They also won't unsecure a secured card or remove the AF. I tried to get them to do both. If they had then my account would still be open with them. Meh, their loss, I transferred the balance that my sister had on the card to another which had a promotional period, so she benefitted from it and Merrick lost income.
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
