I paid off Merrick bank credit card 5 months ago . I found out Two weeks ago , that they were charging me 4$ a mo for a fee I didnt know about after I paid off my balance. The total fee was 13$ owed , and it was 60 days late now they threw me into credit reports and my score went down 40 points for $13 that I didnt Know I owed! I paid the 13$ and now Im fighting to get my score back up !! This is so wrong !! And I want to know if I can do anything about this !!! User's recommendation: Don’t get this card.