Merrick Bank Classic Secured Credit Card Reviews

I want to say I don't work for Merrick and rarely write reviews. I'm writing this because I received an increase in my credit line and didn't even ask. This is the 3rd time in 4 years they have increased my credit line. Each time I received the increase, I needed it. The first time, I was overseas and my debit card became blocked, and I was having difficulty getting the block removed, and I was I was running out of money. The increase in credit gave me help when I needed it and some breathing room. I felt like they had my back. I may keep this card forever and recommend it to friends.

Merrick has been the perfect card/company to help me rebuild my credit score after a messy divorce.. My credit limit was increased slowly over time and I now use the card regularly. Interest is a little high but comparable to other card companies.

Better than some Average. I’d like to see. Better rates and higher credit limits so I could consolidate and have one card. That’s what I’m looking for currently and I’m looking at some now that meet the requirements that I need to help my business grow. I’ve just got to find the right fix so it’s an asset to the things that I’ve done so far.

It's a great card and your customer service and phone app are exceptional. It's also pleasant to speak to a real person when I called. It's quick and easy. I am curious though why the move to Mastercard. This credit card is my main one I use.

I was very happy with how quickly and professionally the customer service agent resolved my issue with a fraudulent charge on my account. I received a new card as well as a full credit of the fraudulent charges made on my account.

I usually make two monthly payments after transforming my finances from retiring with credit card debt to settling and only paying cash for things for two years. I even got rid of my car and took a bus or rode my bike. I got out of debt in less than two years and got a Merrick Bank card. I got an email on 4-20-2023 saying I was late on my payment. I immediately made a payment and called them the next day, 4-21-23. After spending about 3 hours on hold, being transferred multiple times, hung up on, I called back. Merrick advised they were going to report me to the credit bureaus, but I was still locked out of my account.

When I contacted them today after waiting for 45 minutes for customer service to answer I asked them had they received my pay off payment from a overnight delivery and I was told to contact my bank and they were so rude. It’s a shame. I got absolutely no help. Please if anyone is thinking of doing business with this company don’t.

I have owned my Merrick card for over a year now, they have not reported my positive payments for months! They have dreadful customer service, after speaking with several representatives my card activity still has not been reported since September 2022. They refused to update my balance which is now $800 dollars less than what they reported, it's frustrating.

I had an account with Merrick Bank with their credit card. Got closed during the pandemic. I tried to call them to settle the account. Their terrible customer service kept sending me to the collection agency that no longer had the account. After speaking to the collection agency they referred me back to Merrick Bank to find out who actually had the account. I tried several times to actually speak with the customer service to try to find out more information. The customer service would either send me to the old collection agency or just hang up after several minutes. Most of them just did not speak English very well and could not understand what I was trying to get them to do. I will recommend paying off your account and get a credit card with customer service in the United States that would better serve you.

I applied for and received this card for one purpose - to be able to get the every 6 month reviews and increases in credit. They lie, I had to fight for the first one and they finally succumbed and did the right thing. Again 6 months later with every payment made and the account paid off in full each month again they denied their basically minute increase. So I called - I sat on hold for hours and still no resolution. I call fraud and would tell customers to choose anyone but Merrick bank. They do not give promised increase nor do they do anything to help your credit on a monthly basis that you can not better get with another company. I pay them off completely each month without fail and sometimes 2 times each month and still they do not see fit to approve the credit increases they promised when I applied. Do yourself a favor and use Credit one or Captial One. This company does not deserve good paying customers at all.