Yes, Merrick Bank is for bad credit. Applicants with credit scores below 640 who are looking to rebuild their bad credit can get approved for all three Merrick Bank credit cards: the Merrick Bank Classic Secured Credit Card, the “Double Your Line" secured card, and the Merrick Bank Credit Card.
All of Merrick Bank's credit cards also report account activity to the three major credit bureaus, which is a key feature if you're trying to rebuild credit.