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We will not charge you interest on Purchases if you pay your entire New Balance by the Payment Due Date each month.We will begin charging interest on Cash Advances on the transaction date.You may easily cancel your trial membership online anytime within the trial period without charge.

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NOTICE: Some of these set-up and maintenance fees will be assessed before you begin using your card and will reduce the amount of credit you initially have available. The rate is determined by adding the appropriate margin shown to the Prime Rate*.

For example, if your minimum credit limit is $200, your initial available credit limit will be only about $164. If the Prime Rate* increases, your APR will increase accordingly, All past-due amounts, any Annual Fee billed monthly, any Additional Card Fee billed monthly plus the greater of the following amounts: (i) 1% of your New Balance plus Late Fees, Cash Advance Transaction Fees, Over Limit Fees, Returned Payment Fees, and Interest Charges billed during the Billing Cycle for which the Minimum Payment is calculated, as shown on that periodic statement, rounded to the next-higher dollar; or (ii) $35.

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You have the right under Maryland Commercial Law Code Section 12-510 to receive an answer to a written inquiry concerning the status of your account.

If you have any questions, you may contact Merrick Bank Customer Service at 1-877-727-6885.

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

Approved applicants will not be allowed to make transactions using the security deposit 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.

Merrick Bank will establish your initial credit limit and mail you the card you request ("Card") upon approval of your Online Application, in accordance with the terms set forth below.

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