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: 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.

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No person need reapply for a credit card solely because of a change in marital status unless the change has caused a deterioration in the person's financial position.

A person may hold a credit card in any name permitted by law that he or she regularly uses or is known by, so long as no fraud is intended thereby.

To find out what may have changed, and to get the most current rates, please write to us at Merrick Bank, P. Existing Merrick Bank cardholders, residents of the Virgin Islands, Wisconsin, or Puerto Rico, and individuals with foreign or FPO/APO addresses.

If you are a married applicant, you may apply for credit in your own name.

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.

: Interest charges will be imposed on the outstanding balances from month to month in amounts or at rates not in excess of those permitted by law.

You have the right under Maryland Commercial Law Code Section 12-510 to receive an answer to a written inquiry concerning the status of your account.

: A married applicant may apply for a separate account.

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