@Anonymous wrote:
My Merrick card gives an EX FICO 8 Bankcard score.
I did have a bad experiance with some fraudulent charges on my Merrick Bank card. They told me that they would not issue a provisional credit and I had to actually sign and mail back documents. They did issue a provisional credit once I mailed back the documents, but the attitude they had with me on the phone was uncalled for.
I think because they are a subprime lender, with a heart but very set policies, they want to protect themselves as much as possible. By making you submit a signed document they discourage the people who may have not actually had fraudulent charges from trying to say they did. (I know my sister very well. I remember once she told me that she bought a vacuum online and when they delivered it, they simply left it at the door. She called up the company she bought it from and told them it never got delivered. When she got the new one, she returned it and said she found a better one for less. This was true in some respects as free is both better and less money.) I am not saying you are like this in any way. I am merely saying they have to deal with people like my sister too often because of who their customer base is. I had their card for many years and never did anything like this to them or even thought about it. However, knowing that my sister is really white trash and there are people who are even worse than she is, I understand them and their policies. I live right next to Detroit, so I can also witness things like this all the time.
Nothing personal, but I have to defend Merrick. If it weren't for Merrick I might not have what I have today. They were always nice to me, much nicer than CapOne has ever truly been. Today I have many cards, more than any one person needs! There are really only two of the major banks I don't have a card with, Wells and US Bank. I do have an Elan card, so similar, but not the same. I don't want a Wells card, there are no benefits there! And when I transfer to my next job then having a US Bank card will be of no use to me at all! (In fact only Discover, Capital One, and any other card with free international transactions will really be of a benefit.)
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.
