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Funds must be received within 30 days to complete the application process, incomplete applications will be declined.

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Merrick Bank may obtain consumer reports on you in connection with an update, renewal or extension for which you have applied.

Upon request, we will inform you whether or not we requested a consumer report on you and the name and address of the consumer agency that furnished the report.

Secured credit cards are especially useful for consumers with poor or little to no credit history who are trying to build or rebuild their credit.

A secured card provides all the advantages of a credit card while building credit.

If the New Balance is less than $35, the Minimum Payment will be the total amount owed. Subject to applicable law, the Cardholder Agreement also permits Merrick Bank to make changes to the Terms and Conditions of the Account after the Account is opened.

The information about the costs of the card described in this solicitation is accurate as of . To find out what may have changed, and to get the most current rates, please write to us at Merrick Bank, P. : A married applicant may apply for a separate account.

New York residents may contact the New York state department of financial services by telephone at 1-800-342-3736 or visit its website at for free information on comparative credit card rates, fees and grace periods.

: The Ohio law against discrimination requires that all creditors make credit equally available to all creditworthy customers, and that credit-reporting agencies maintain separate credit histories on each individual upon request.

The cost for 30 days - .99 will renew at .99/monthly if not cancelled (unlimited) The cost for 90 days - .99 will renew at .99 if not cancelled.

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