I struggled for many years with addiction. When I got sober four years ago my credit was horrible. Merrick Bank gave me a chance when not many other companies would to start over and rebuild my credit which in turn rebuilt my life. For that opportunity I will be forever grateful. Thank you.
Great card. They gave me a chance to rebuild my credit. After 8 months of paying on time, they automatically raised my limit. I always pay online and have never had any problems with the website. Yes there are annual fees, but that's to be expected when you have bad credit.
Good but could use improvement. Simple is better when it comes to websites, and theirs could use some work. Also it's great to be rewarded with a credit limit increase, but decreased interest rate is what would make me use the card more.
I've been a card holder with Merrick Bank for over five years and up till now I had no complaints. I recently paid $1600 towards my account which has a credit limit of $2900 and they still declined transactions and when I call and inquiry on why - they cannot give me a solid reason. And the representatives are rude as hell. Needless to say I will not be doing business with them anymore.
I called in the other night to make a payment and the automated system said it recognized my account based on my ph# but it was giving me the old account #s last 4 digits. And it kept transferring me to an agent. The 1st agent said that she would have to charge me a few to make a payment and I explained that I wasn't pushing the option to speak to an agent that it just transferred me on its own, so she said she would transfer me to the machine again. The machine did the same thing as before, the machine said it recognized my acct from the phone I calling from and then it told me the wrong last 4 numbers of my acct, and then it would transfer me to an agent.
So it transferred me for a 2nd time to an agent who I recognized from a few other run ins with her. She is absolutely rude and I've dealt with her before, she always acts like she's doing me a favor and speaks in a miserable tone and she always, always gets an attitude and she's even hung up on me before. All I wanted to do was make a payment and she hung up on me so I called back and spoke to a man and he said that I was putting in the old acct# and I explained that all I pushed was #1 to continue because the automated machine kept saying it recognized my acct# from my phone and it only gave me the option to press 1 to continue and then it would send me to an agent and he said that if wanted to make a payment (which is what I was calling for) that he would have to charge me 10 or $15.
I can't remember which or that he could transfer me back to the automated system and that it should work now so I said "okay, I'll take the automated system." So he transferred me back to the automated system which did the same thing and transferred me to another agent which happened to be the same agent that acted miserable like she hated her job and who had just hung up on me! So she answers and I explain that the system is saying the wrong number and that I just spoke to a male agent that assured me it would work this time and that it's saying the old last 4 digits of my old acct# and she said that I was lying and that I didn't speak to any man because she could see on her monitor that I was transferred to her by the machine!
She was talking over me and wouldn't let me speak and explain that it was not the case! I told her that It is not true and that I'm just trying to make a payment and that the automated machine was broken and that I just explained myself to 3 people including speaking to her twice was 4 agent conversations and no one could help me make a payment.
I begged her to please waive the fee and let me make my payment with her because the Merrick banks automated machine was broken and repeating old account numbers back to me and it would not let me make a payment with automated machine because it kept transferring me to agents after agents who couldn't help and she began screaming at me and saying that I'm a liar that she could see on her end that I had just called the automated system and that I didn't speak to anyone but her and that "there's no way in hell" she was going to let me make a payment with her for free.
I then had beg her 5 times to let me speak to her supervisor. First she said that no one was there then she proceeded to argue and finally after 5 mins of her yelling and me begging to talk to a supervisor she finally said "I'll see if there's any supervisor that even wants to take the call". That was such a dumb and rude statement, I couldn't believe I was going through this.
Then a man came on the line. I explained the trouble I kept having with the automated machine and that this particular agent was treating so rude and disrespectful like I've never been treated before by an agent, she was excruciatingly unprofessional and that no customer deserves that treatment. He apologized and agreed that no one should be treated rudely and then he said that he would manually enter my new account number and then he asked me to hold and he ended up transferring me back to the automated system and it began telling me my acct info and it finally let me proceed with my payment. I do not have the date and time but it was the last time I called and made a payment. You can check the records of that. All and all I strongly believe that this female agent behaves so rudely because you guys don't seem to be recording the agents' calls.
Every other credit card I call has amazing professional service and it's because the automated machine that transfers me to an agent at their company always lets me know that the calls are being recorded for quality assurance. And that is the difference that I notice with your company it never says it recording the calls and the agents know that and some of them like the rude ** female that I keep encountering know that they are not being recorded and that she can have a ball abusing me and arguing because no one will ever know or care. And I'm highly disappointed that I'm a victim to her games and that you guys would hire such unprofessional, evil, low-class people like her at my expense.
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Very helpful and understanding. I accidentally made two payments within the same month and they helped me correct it. I didn't want this to affect my payment history. I always pay early, but paid a little too early this time.
I had a Merrick Bank VISA credit card and it was in good standing--always paid on time. 3 years ago my purse was stolen and the card (of course) was in my purse. I notified Merrick Bank--they didn't refund $150 stolen on my card but they did put a block on it. The account stayed open so I continued to pay it. In August I made the final payment and my balance was 0.00. Merrick Bank refused to close the account even though I don't have a credit associated with the account. The Bank continues to charge me annual fee for a account that is dead. I have talked to them and they refuse to close out my account. I believe this is ILLEGAL!
I have had a card with Merrick for at least 5 years. Never been late or over the limit. I called and asked if I could get my interest rate lowered. They refused to even discuss it. They said they DO NOT negotiate interest rates. I don't understand their policy at all. As soon as I pay them off I will cancel and move to a more consumer-friendly card.
I love this bank. They have been good to me ever since my account opened. Their customer service is top notch in my book! They have raised my credit score and have increased my credit several times. Thank you Merrick for all you have done for me.
This card has been a lifesaver since my credit was not good enough for a different card. It has helped me raise my credit and have received increases. Get the card pay every month and no problems!!! Have NEVER had to use customer service.
The only issue I have is that I would like to make payments with my debit or PayPal card on your website. But I cannot add a card to the site for payment which is very inconvenient!
Excellent experience with Merrick. This bank helped me greatly to start reestablishing my credit after a family illness devastated our finances. To date, I continue to make progress. Merrick also continues to provide quality service I very much appreciate.
I applied for the credit card through Credit Karma and they were true to their word that if I paid on time for 7 consecutive months that I would get an increase and I did where through Capital One they did NOT remain true to their word.
I have never had any issues with Merrick Bank. The only thing was that they were slow with reporting the increase in my credit limit to the bureaus. Once I submitted a request for them to update my credit limit with the credit bureaus, they did so quickly.
Merrick has given me a chance to establish credit in my name. It has been a great experience for me. I have been able to purchase several items. I use their online payment app. It is so easy to use Merrick. Also gives email alerts. Very satisfied.
Merrick Bank gave me credit when I was having a tough time in my life. They did what they said they would and I want to thank them for being there.
Merrick Bank gave us credit when we needed it. We built a trust together over the past year and they increased our credit line. We have not used credit cards in over 30 years until recently. Companies like Merrick will make it possible for us to establish a credit history. Thus, enabling us to buy a car in the near future.
Have been a customer for a long time and they have always delivered. Love this bank. They get me a chance when no one else would and gave me the opportunity to rebuild my credit.
I enjoy the online process for making payments. It’s super fast and your account is ready to go again. Also appreciate the 6 month reward of doubling credit line. So far so good! Thought: any reward program in the works? Maybe toward gas or etc??? Thank you...
I must say that I am not a real fan of the necessary evil known as credit cards but I have been a Merrick Bank customer for a long time and have experienced nothing short of True Excellence.
This site is impossible to sign in. I keep having to just pay my bill online. I also have a huge interest rate. I received an email regarding my acct (which is paid off) and of course, I can't open it either.
Merrick Bank offered me credit after tough financial times due to my wife's illness. She had four major surgeries and medicine that was so expensive that we just could not handle...thus Bankruptcy. Merrick still offered me credit and has been willing to move my credit limit up, helping me regain positive credit scores and reports with all three reporting companies. The interest rate isn't the lowest out there but the fact that they would even offer me credit is outstanding. Easy to work with as well. Big A+ for Merrick.
I only have a Merrick Bank credit card, but it's great. They gave me a line when I first started trying to re-establish my poor credit, I can use it anywhere, and the online tool and features are easy to use.
I enjoy having my Merrick Bank Credit Card. It's been great to have when I needed it and it's helping me build my credit score. I have had no negative issues so far and I like the fact that they recognize me as a loyal customer. They doubled my credit line and I appreciate that I will continue doing business with them as long as business is good and I would recommend them to Family and Friends.
Merrick Bank has been a excellent credit card provider. Their website is easy to access and use and provides all information I need. Customer service when I have needed to use it has been knowledgeable and friendly. No complaints!
We had just been out of bankruptcy for a couple of years and they granted us a credit line. We have increased our credit score from around 550 to 731 during the past two years as a result of Merrick providing us credit.
Your website is very user-friendly. You can obtain all the information about your account very promptly. Your customer support are very knowledgeable and are prompt to help you with anything you need. They are always in a pleasant mood and very friendly.
I like the credit card overall and the website is OK. However, Merrick bank needs to create a system so customers can email them with problems, questions, concerns, etc... I don't like waiting on the phone and would rather email.
My experience with Merrick Bank has been great. I have not had any bad experience with them at all. They are giving me an opportunity to raise my credit score and yes I would recommend this card.
Because we don't have a checking or savings account with Spokane Teachers Credit Union, just our home loan and 2 car loans with them the checks were denied. The bank doesn't know why they didn't go through. They suggested depositing them in our account, then pay you with a personal check. And that worked. Their interest was 0% for 6 months then only 12% after that. Merrick was very kind to remove the returned check fee. We will still use our Merrick card but pay in full each month. Thank you.
Merrick Bank Company Profile
- Company Name:
- Merrick Bank
- Company Type:
- Year Founded:
- Postal Code:
- United States