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We will not charge you interest on Purchases if you pay your entire New Balance by the Payment Due Date.

We will begin charging interest on Cash Advances on the transaction date.

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.

: 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.

The Ohio Civil Rights Commission administers compliance with this law.

A secured card provides all the advantages of a credit card while building credit.

Automated requests for affidavits and missing CCFs can be electronically faxed or emailed to the collection site, reducing one of the most time consuming tasks for an MRO.

Funds must be received within 30 days to complete the application process.

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

The security deposit does not earn interest and will be available for withdrawal only after your credit card account has been closed and all amounts owing have been paid in full.

Your Payment Due Date is at least 25 days after the close of each Billing Cycle.

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