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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.
As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
: No applicant may be denied a credit card on account of race, religion, national origin, ancestry, age (between 40 and 70), sex, marital status, physical or mental handicap unrelated to the ability to pay or unfavorable discharge from military service.
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.
You agree that if you sign the Card or use your Account or the Card to obtain credit, that will constitute acceptance of the Cardholder Agreement that will be provided to you with your Card, which is governed by both Utah law and applicable Federal law.
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