Merit Platinum Card
in Personal Credit Cards from Horizon Card Services
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| Purchase APR (Fixed APR) | 0% |
| Balance Transfer APR (Fixed APR) | N/A |
| Credit Score Range | 300 - 600 |
| Annual Fee | $299.40 |
Merit Platinum Card Review
Merit Platinum Card is a credit card issued by Horizon Card Services. If you're wondering whether Merit Platinum Card is the right card for you, read on. This is everything you need to know to make a good choice.
- Competitive APRs. Merit Platinum Card has a fixed purchase APR of 0%
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
| The Good | The Bad |
|---|---|
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Is there a Merit Platinum Card cash back or rewards program?
No, Merit Platinum Card does not offer a rewards program.
What are the relevant APRs for Merit Platinum Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Merit Platinum Card has lower than average purchase APRs.Merit Platinum Card has a fixed purchase APR of 0%.
Does Merit Platinum Card have an introductory APR offer on balance transfers?
No, Merit Platinum Card does not come with an introductory APR offer for balance transfers.Does Merit Platinum Card have an introductory APR offer on new purchases?
Merit Platinum Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for Merit Platinum Card?
The following fees apply to Merit Platinum Card:
| Fees | Amount |
|---|---|
| Annual Fee | $299.40 |
| Returned Payment Fee | $25 |
| Late Payment Fee | $20 |
Does Merit Platinum Card report your account activity to credit bureaus?
Merit Platinum Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.
How to apply for Merit Platinum Card
- Visit the Merit Platinum Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
1707 Warren Rd
Indiana, PA 15701 - (800) 251-6144
- Visit Site
About Merit Platinum Card
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Annual Fee | $299.40 |
| Returned Payment Fee | $25 |
| Late Fee Amount | $20 |
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