Out of all the apps I put in this month, this is the one card that I was denied. Merrick can be very tough on their less than ideal customers. My Visa will be cancelled this week for the following reasons: 33.xx% interest + $9.00 monthly-annual fee (if there are any charges during the month).
Obviously, my bad payment habits allowed them to slap me with the harshest rates and terms, but none of my other cards even came close to 33+% and $108/year fee!
Jan 07: tu 498, ex 501, eq 504
Oct 07: tu 716, ex 712, eq 723
Nov 07: tu 693, ex 664, eq 672_post app frenzy