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Merrick's not a bad card. I've had mine for about 7 months with no major complaints so far. The only complaint I have, if I had to find one, is that they haven't raised my CL yet. I started with $750 and am still at $750. I pretty much use the limit each month, but also PIF each month as well. In fact, I generally PIF twice a month. I called and asked for a CLI recently and they said they are generated automatically based on how you handle your account. So not only do I have a perfect track record with them, but I also have no lates in the past 5 years. And, my FICO is up 50 points since I originally received the card. So all I have to say is: Hmmmmmmmmmmmmmmm!
Does anyone know if you get your FICO score through their secured card?