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After a bitter divorce I was left a single, employed mother of 3 with all the debt from my marriage (mortgage, utilities, childrens' cost of living) and had a difficult time obtaining a credit card due to the fact I was divorced. Finally obtained a Next card to rebuild my life.

They sold to Merrick and it's been *** since. I rebuilt credit with many other accounts which are in good standing. I became ill in 2006 and was unable to work for 8 months from a major back surgery. Every other account of mine worked with me except Merrick.

I can't wait to pay them off! I will never recommend them to anyone...they are heartless people.

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:grin I AGREE

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