I have had my next card visa card for 2 years and tryed veryhard to work with them yes i have some bad crdit in my history thats why i have there card but the will charge you a late fee everythime they can i think they live on there late fees and overlimit fees the even charge you a overlimit fee on there late fee when it puts you over $1.00
I missed one payment buy 3 days last november and with all there fees and over charges i could not get the card back under contro. I hope the new merrick bank that is taking them over does a better job then next card did
JEFFREY
PUYALLUP, Washington
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