Card Review & Application


out of 5

- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 22.70% (variable)*
Annual Fee: $36*
Card Issuer: Merrick Bank
Card Network: Mastercard®
Card Category: Consumer (Secured)
Card Type: - Card for Bad Credit
- Guaranteed Approval
- Instant Decision
Credit Needed: Bad Credit OK*

See Merrick Bank Secured Mastercard credit card offer application page for other features, benefits, and fees.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Other Benefits: * See terms and Conditions
Credit Reporting: Yes
Online Account Access: Yes
100% Guarantee Approval: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 22.70% (variable)*
Annual Fee: $36*
Grace Period: 25 days*
Min Finance Charge: $1.00
Min Credit Line: $200
Max Credit Line: $3,000
Late Payment Fee: Up to $40*
Balance Transfer: No
APR Cash Advances: 27.70%
Cash Advance Fee: 4.00%
Minimum Fee: $10.00
Additional Fees Account Set-up Fee: $0
Late Payment Fee: Up to $40
Return Payment Fee: Up to $40
Foreign Trans Fee: 2%
Minimum Deposit: $200
Over Limit: $0
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* The information provided for Merrick Bank Secured Credit Card is believed to be accurate at the time of evaluation (Sep 1, 2023). We strongly advise visitors to review the terms and conditions to verify accuracy of the information and fees posted prior to applying for the product.

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