Merrick Bank Reviews

Everything from the application to the daily maintenance of my account has been convenient and never been confusing. I'm a Luddite, so that's saying a whole lot! Something you may find interesting; I posted a review of the app through Google. It was less than sterling. To my surprise and appreciation, a representative reached out to me almost immediately. They were pleasant to converse with and listened to my input carefully and with respect. Afterwards, I had to update my review to give much credit when it was due. I have not received anything except an invitation in my email to give my review.

I am not good with technology. Knowing that the app was available to save me time and stress, I have tried to join the technology crowd. Of course, as an old dog trying to learn new tricks I ended up having questions even though computer access to my account is really quite easy.. However, I ended up having questions that were probably entry-level stupid to most people. The help section staff did not treat me as if I was a stupid old dog learning new tricks. Everyone I have dealt with online at Merrick has been extremely patient, courteous, and respectful whenever I needed help.

Your company was straightforward pay my payment on time for 6 months get rewarded…. Truth double my limit was achieved!!! I just need help upgrading my credit score. Have excellent payment record but it seems more I lower my debt lower score drops???? I just can’t understand. I’m trying to improve score… I need to know what move I need to make next? Open Account Pay off an account? It sucks. It’s like I’m being forced to take on credit Accounts I don’t need. Please inform me on the steps I need to follow to actually improve my status.

I'm very glad to be a valuable customer to your bank/business despite the arrogant other consumers or companies that are involved in the same business. I appreciate that you make a difference in making good decisions that make your business and ethics expand. There were so many things that conspired with my name and former business that were either corrupt or neglected the purpose of why a business does these kinds of things to help people in financial distress. Therefore, you guys get the same respect back so most people will do the right thing and do there part. Greed is what causes downfalls, policies are what you demand, agreement are made and bond stay true all in demand of fairness.

I'm very thankful that you gave me your chance with a credit card being my past you know I've not been the greatest. As you get older you realize what your credit means to you and you guys are fantastic about things. I love the fact that I have the credit card. It helps out in many ways and it's nice that I could pay it off before the due date and I don't have to wait for a bill to come in the mail and say you only can pay this amount. And I'm very satisfied with everything. Eventually my credit will go up and now I'll get a bigger balance whatever however that works and I'll keep making my payments and I'm very thankful that you took a chance on me.

On 2 different occasions my payments to Merrick Bank have mysteriously disappeared in thin air. Very poor customer service on resolving the issue. Closed my account and will never return to merrick bank again.

I just received a 1099C cancellation of debt in the mail. I had to call the number on the form to find out what it was about because I don't have this credit card anymore. I was told I had this card back in 2004. It's been 12 years and I am now just getting this 1099C. Around that time I know I went through bankruptcy and the credit card was probably put in it. I do not ever remember getting a notice that I couldn't put it in the bankruptcy and to continue my payments.

Credit karma recommended Merrick Bank to build my credit so I got the credit card and two months my credit went down 100 points because of this card. They have outrageous interest fees and they charge you for using their card on shopping fees and then of your day late they charge you $29. In December I paid $85. I made three payments just to be in the negative of -14 because I was caught up and now I'm negative $14. I went down again and my credit I've already gone down 100 points in 2 months with this card. They have outrageous interest and fees. They have fees for everything. They make up fees for everything. They frustrated me. I'm no longer using this card. I'm cutting it up. This Bank Merrick Bank do not get it. Do not get it. If you're trying to build your credit trust me do not get it.

I'm very pleased with my card and customer service. After a year of having this card my credit limit has increased as advertised, payments are easily made through the app, and my credit score has risen over 50 points after a year of on time payments.

I have a language barrier. I haven't received my credit card. I contacted the bank, but there was no translator available. I speak Mandarin. Ineffective customer service. I tried contacting customer service, but there was no one available to help me get a replacement card. I don't think your service is suitable for me.