Merrick Bank Reviews

I have nothing bad to say about Merrick bank. They have treated me better than I ever been treated by this type of industry. I would recommend them to everyone that is looking for a great experience. I almost have an unnatural affection for them.

My account was opened two-three years ago with a $400 credit limit. After aggressive use and payments, in only a few months, Merrick increased the credit limit to $700 and then $1,400 after only a few more months had elapsed. Since then, I've been granted three more $200 increases on regular intervals and the limit is $2,000 today. Great. On the other hand, this account is the single and only revolving account I maintain - considering more than 15 relationships where my payment in full within the new cycle failed to qualify me for interest-free standing.

The best feature of my Merrick credit card was the credit limit doubled after I made a certain number of payments on time. I liked that very much. And I like being able to pay my bill with my phone. It's just very easy and valuable features I like to have in credit cards.

It is easy to get to my account and view the statements. I wish it was easier to see transactions as I don't have Office on my laptop. I really appreciate the fact that my payments post very quickly and that my available credit is increased right away. I am going to quit using a Capital 1 card because it takes over a week for my payments to post.

Merrick was the card I was able to rebuilt my credit with. They reviewed my account 2 times ahead and gave me $500 credit line increases each time. I have built my credit line with them as high as any of my major credit cards now. They do exactly as they promise and review your account every 6 months without you even having to ask for an increase. I wish they had more credit cards.

I agree like so many others I send my payments in 2 weeks before they're due and Merrick Bank has taken over 20 day past the due date to cash my checks. Then they charge the fee's and they say you're late and we didn't get your check on time. I have went to the post office and took a date and time stamp photo of myself mailing their payment. Well 15 day's over the due date they again cash the check and charged the fees. I told them that I have copies of the date on my checks and they match the date I mailed them and the photos. They just keep saying you were late getting the payment to us. IT'S TIME FOR EVERYONE TO STAND UP AGAINST THIS PRACTICE AND SEEK LEGAL HELP! If someone know an attorney who would like to represent us in a class action suit. Post it so we can all sign up.

From the very beginning Merrick Bank continued to ask me for information I'd already sent. When I finally got the loan, they wouldn't let me pay over the phone without a routing number and bank number. Sure, a company reserves the right not to take Visa Debit or Credit, but it is not in the best interests of their customers AT ALL. It jeopardizes the security of people info and leaves us vulnerable to identity theft. In addition, they charge people $10 for every phone payment they make and STILL refuse Visa Debit. So I decided to mail my payment. Which was never received and I was harassed by their people calling consistently to get a payment then told that their processing dept was behind. Not my problem but evidently they felt it appropriate to make it mine.

I must say - I am impressed and very pleased. My score was about 620 (give or take a few) when I received an invitation in the mail from Merrick Bank. I went online and was approved for $700, as the letter stated. I used it sparingly, and paid each balance down before the due date. In 7 months, the Credit Limit doubled on its own - no action required on my point. I knew about the increase when I received a credit alert from Credit Karma in my email.

Initially everything is going to seem wonderful. Decent amount on the card... Increase after a few months of paying on time... and then the rip off starts. You will continue to make your payments on time but Merrick Bank will post the payments late and charge outrageous late fees... and that is besides that outrageous interest rates. Beware!!!

I recently sent in a balance transfer money order to Merrick Bank on 11/17/2017. The check cleared Merrick Bank on 11/29/2017. After a week of checking my (I'm an authorized user and payee) account for payment status, I found out that the payment had been placed in dispute status. Apparently they cashed my check and did not apply the money to my account while continuing to charge over limit and late fees. The amount that I sent was for payment in full. I have sent them the canceled check, my bank account records, and all of the required documentation. I was told that the "investigation" will take up to 4 weeks while I am still accruing late fees and damage to my credit on an account that I paid off. How is this legal?

Back in September of this year I had called to request a credit increase. I was told by the rep on that day that the bank only does automatic reviews and increases and that my account would be reviewed in November. I called today (December) to follow up on this and I was informed by another rep that it would not be reviewed until at least March of next year. Imagine the surprise when I was upset because I am being told two different things. Seriously considering finding another company and leaving Merrick in the dirt.

Merrick Bank has fulfilled the promise of doubling my credit line. No other company has offered anything this good. The only flaw I have found is the minimum payment amount. Would like to see 25.00 instead of 35.00. Thank you.

Information for Cash Advance - The Customer Service Rep was very Helpful in reminding me that the information I needed was in the packet sent to me by Merrick Bank which I had forgotten about so I was Able to do what I needed.

I had very good credit until my experience with Merrick Bank. I've been a cardholder for 4 years, always pay on the 3rd of the month. They hold my payment until it is 1 day late & then post it! Of course charging me a late fee. They've done this 2x in the last 3 months. So I decided to pay online instead. They now claim they never received that payment also! I'm done with them. Be very careful!

I would recommend Merrick as a credit card honestly; I have not had any problems with the credit card or customer service. They increase by credit limits on a regular basis to a very decent limit. I am satisfied.

I've had a Merrick Bank card for years and have always been happy with the service until today. I paid off my card and haven't used it in a year but then used it a few days ago and then today I received a letter that my card was closed due to inactivity, that it wasn't a credit issue. I called the card company and they claimed they sent a letter advising me it would be closed but the letter came back as undeliverable however for some reason I received the letter about closing the account. They refuse to reopen and I can't open another account with them unless I open a secured card only. What a horrible way to do business. I even asked if they had tried to call me or email me but she wouldn't acknowledge that at all. I'm furious. I always paid my bills on time and never missed a payment and this is how I am thanked. DON'T DO BUSINESS WITH THEM.

I responded to their offer. I was informed that any 7 months of payments, my line of credit would increase. I've never been late, always paid extra every month. It's been about 10 months now. When I inquired about this, I had to fill out another credit card app, and was denied the increase. Don't waste your time with this deceptive practice.

I love this company. They have excellent customer service. I had questions on a weekend about possible fraud on my card and customer service was right there to give me peace of mind and protect my account.

My husband and I each have a credit card account with Merrick. Every time my husband tries to log in he is told that either his password or his username is incorrect. He is forced to change his password to log in. The next time he tries to log on, it's the same story. His password has to be changed each time he logs on. Today the same thing happened to me. I changed my password, and later tried to log on and was locked out. I have never had this experience with any other credit account. I called the company and the agent said all he could do is have me change my password.

I am very thankful for Merrick Bank. After filing bankruptcy I didn't know how to work on my credit score. Merrick Bank offered me a card and it has been great! I truly appreciate them. After making my payments on time Merrick even raised my credit limit. For this I am very appreciative. I would definitely recommend a friend for their card.

I put in my payment and you are holding on to it till 10/30 and I paid it on 10/23. What's up with that? Man you just make me want to cancel my card. I just cannot believe how you treat your customers.

I have been treated fairly and cannot find a single complaint with the credit service Merrick Bank has provided. My only suggestion would be that when they are determining if a person is more creditworthy after a certain time period, instead of constantly raising the credit line they may perhaps lower the interest rate in the same fashion.

Merrick Bank promised to double my credit line after one year of consecutive on-time payments. They followed through without having to request an increase. They report to the credit bureaus regularly and helped my credit score go up, dramatically. In addition, their Fraud Prevention department is on top of irregular and out of state transactions. I'm a flight attendant and frequently receive phone calls from a fraud agent to verify my out of area purchases. The only negative feedback is sometimes I'm stuck on hold for an extended period of time to talk to an agent, but it's not too often. Overall, I'm happy with the professionalism and integrity of Merrick Bank.

Because of your giving me the opportunity to use your service I was able to get my credit straightened out and put it in very good standing, not a lot of credit card companies had given me a chance and Merrick did. I always carry your card in my wallet.

Your business trusted me enough to give me a credit card. I really appreciate that. By using it and paying it off each month I am building my credit up. So I give you a 5 star rating. Thank you so much by believing in me.

I would like to appreciate the services of credit card score, alert service and keeping the promise of bumping up credit limit once a customer pays on time his/her balance for a number of months. On the other hand I don't like the user friendliness of the site, the summary of transactions list and navigation aspect. Redesigning the front-end with a more modern template/bootstrap and improving the navigation easiness would result in higher customer attraction and satisfaction. Let me know if you need my expertise on that.

I have had a Merrick Bank visa credit card for about 3 years. I have always paid on time and they always raise my credit limit. I am at 2700.00 now and owe nothing. HOWEVER, for no apparent reason they keep jacking up my APR. I started at 19% and now I am at 29%!!!! I leave this credit card open for the credit score rating and extreme emergencies!!!!

I see I'm not the only one they are ripping off with late fees even though I send my payments in 2 weeks before they're supposed to be there. This company is terrible. I suggest you run if you see anything from their company. Do not open a credit card with this company. Go with a reputable company like Capital One. I was going to put my review here with 0 stars but they made me put one so that's the Consumer Affairs. It should be negative five stars for me.

Overall my experience has been pretty good. They seem to be honest and fair with helping people get their credit back on track again. I have been with them for over a couple of years and have only been bumped up once for a credit increase that I did not ask for which was a surprise. I would like to see them offer to not collect an annual fee like some of the other CC companies do. I have referred them to some other people I know. My reason for a 4 star is because of the lack of credit increases even though I now have a much better credit score and charging an annual fee.

I have really enjoyed my experience with Merrick Bank so far. I have had no issues being able to use my credit and my promotional offer was applied according to the terms, without me having to do anything. I enjoy the convenience of being able to check my account quickly using the app and I find it simple to navigate through both the app and the website. It is easy to set up auto payments and even easier to change/add/delete payments both on the website and in the app. I would definitely recommend Merrick Bank to friends and family.

What I love about this card I have I don't get junk e-mails and it's easy to maneuver online. Great bank. Thank you. The one change I would make is automatically lower the consumer's interest rate on their credit card when proven they handle their account well after so many years.

I have had a positive experience with Merrick Bank. I responded to an offer for a credit card, and it was very easy to set up a new account. Making payments is also easy. I would recommend Merrick to someone in need of a credit card.

I was going to give 4 stars, but the app update earlier this year really boosted my ratings about this bank. I've had a Credit card for many years with Merrick and they have consistently met my expectations for a card. I would like the yearly fee to disappear since I've been a Customer for so long and pay my bill on time every month. That would be my only suggestion for improvement.

I was excited to receive my credit card, I am very responsible when it comes to rebuild my credit after recovering from a trained. Everything was going great. I mail the payments for all my bills at the same time. The 3rd of each month, my due date for Merrick is the 17th. Somehow all my bills are credited no later than the 7th. Merrick claims to receive my payment on the 18th but does not post it until the 22nd of each month. Therefore I get a late fee every month. I was credited back 35 once but they have not given me a response on my request. I also sent in a 65 payment they claim was never received. I am now dealing with the money order company to find out if they were cashed. I am cutting this card up and sending it back to them.

Merrick Bank was the first bank to give me a chance to rebuild my credit. I have nothing but positive things to say about them. Then today I went on to my account as I usually do and to my surprise they increased my credit line. Thank you so much for being a great bank.

I got my monthly statement and found a 38.00 late. My bill is due by the 27th and I paid that bill at 5:53 Eastern Standard Time. Technically it should have been credited on time. My bank shows paid, but they are claiming it wasn't credited until the 28th. My bank statement also shows it actually wasn't received until the 29th. Spoke with customer service and they say, it wasn't paid until the 28th, so you know. You gotta pay us. I've caught them in a lie, T-Mobile shows phone contact with them on the 27th at 5:53 pm. Go figure, Federal Trade Commission complaint time!!!

I've been a member since May 2008 - nine years. I've never been over 60 days late on payment yet Merrick has been reporting negatively on my credit report. I requested that my credit limit be increased and the rep read off some nonsense that customers cannot request a credit increase; that Merrick periodically reviews accounts for increases. Well... it's been 9 years... No increase. My guess? They've been erroneously reporting my account as negative so they automatically passed me over for an increase without confirming whether the account is really a negative one. I hate them. I am closing my account as soon as they fix the drama on my credit report. BTW I've already contacted all three bureaus and launched an investigation. Merrick is a waste of my time and money. I want a credit card that actually has perks and doesn't make 9 years of mistakes in reporting customers' accounts. They have been doing me dirty for years and I'm sick of them.

I have had a Merrick credit card for over 4 years. I used it for exactly what their purpose was. Rebuild/establish my credit. All was fine. I charged it up paid it off. Established a good history with them. I have had it completely paid off for almost 2 years. I only used my credit card when needed and not by living above my means. Today I received the ONLY form of communication from them through the mail stating they had closed my account due to INACTIVITY.

I set up recurring payments and they submitted 3 times, I called them about this as they reversed the payment and came to say my payment was delinquent and reported it to the credit bureau.They Ignored the issue. For anyone having issues with the bank report them to the "CFPB", apparently this is common and they continue to get away with along with charging late fees.

Merrick bank payment due on the 17th which I been paying on for the last three years. I got my mail on the 19 that month. Call the bank, talk to Mary **. She said, "Make the payment on the phone with us now and you won't get charge late fees." Well just got my bill on 9/30/2017 with the late fees!!! See you later Merrick Bank.

I have never experienced such friendly service when it comes to credit cards. I use this card the most, after 7 months just like the offer said "after 7 consecutive on time payments, we will double your limit" and they did. Just amazing.

I'm on SS and get paid on 3rd of each month. I send out check on 1st or 2nd with all my other bills. Other creditors post payments no later than 8th. Why you don't post till 20 something is just a way to charge more interest. I know I'm only 1 little account but if you do this to all your customers 1 or 2 cent times the millions of customers is a LOT OF FREE MONEY. I'm not late on my payments. Last month I made elec. payment so not to give you more than was due by your representatives dragging their feet posting payments. I know that I'm not the only one you’re doing this to so clean up your act.

I will never use my Merrick Bank credit card again. I've never disputed a charge before and the one time that I did Merrick Bank made me jump through so many hoops to dispute the transaction and never refunded the money after telling me they were going to. Instead they mailed me a letter asking for the same information I had already given them twice already and they said that if I did not respond by a certain date that they will assume the merchant has taken care of the issue. The problem is by then the time frame had already gone and passed by the time I received their letter in the mail. This is a very low-end credit card and only good for beginners trying to build credit. Definitely not a credit card to be using once you are established.

So far, so good. Merrick Bank has held up their end of the contract and has done what they said they will do. The offer was to make on-time payments, of course, and they will double the credit limit. This was done with no issue or even before I knew it was time. The interest rate is a little higher but that's to be expected. This is a rebuilder credit card. I have not had any problems with the use or in payments posting so far. Their website could be simplified as it's not as user-friendly as it could be. Overall, I am still happy with Merrick Bank and its product.

Start at 700 credit available, nearly max but I keep paying on time got raise. This is Good credit bank no complaints, felt this Merrick Bank is far better than a well known Captial One. Glad they approve me. If anyone asked me which branch they should apply for credit card, I would recommend them Merrick Bank, thanks.

I have had a card with Merrick for about 9 months now. Everything has always went smooth and there have never been any problems. They told me to pay on time for 6 months and they would raise my limit. As soon as that had happened they raised my limit, I didn't have to even remind them. I would definitely recommend Merrick Bank.

Since opening my account with Merrick Bank, I have had nothing but positive experience with them. I find their pages easy to use, questions are answered easily. It is not difficult to find out my balances, my payment, dates due, my limits. Everything I need to know about my account is right there.

I really appreciated that fact that I was able to have advanced cash back within a short period-of-time. That meant a whole heck of a lot. I was able to pay what I had to pay and in return pay Merrick back in full. Thank you for such good services!! More than satisfied.

I not had any problems with this company, you live up to your end of the agreement and they will live up to theirs. I called customer service a couple of times. Was easy to get through and the representative was friendly and helpful.

I've been pleasantly surprised with how much I've enjoyed doing business with Merrick Bank as a credit card Customer. The website is easy to use. I can service my account efficiently. When my card number was used fraudulently, it was caught immediately. I was thankful of how quickly this issue was resolved.

I don't have any complaints about Merrick. I enjoy having them as my credit card company. I will say the app/website seems not very modern. I'm used to doing everything online and the experience there seems a little clunky compared to others like Citi or Bank of America. But it still has what I need and is easy to navigate.

I appreciate my credit limit being raised recently. While it reflected positively on my husband's credit score instantly who shares the account, it has not shown on mine. I called Merrick Bank customer service to request assistance with this discrepancy but was told they couldn't help. Discouraging when I am trying to build my credit with this account yet it's actually not helping while my credit availability to limit ratio is not accurate.

I would recommend to anyone. They are a very good company and I love my card. Easy to access my account. Really love that. Have not any trouble with them at all. Have had my card for a few months and no issues. Paying your bill on time and before really pays off.

A very well organized Bank. Mobile page fast, accurate and up to date and easy to navigate. FICO scores available monthly. My credit limit was doubled after only eight months and didn't have to request an increase. I have some uncovered Medical procedures coming up and plan to use my Merrick Bank card. Thank you for providing a great customer service experience.

I have been trying to dispute a charge on my card. A rep at Merrick told me I need to fax a written document. I have faxed 5 times in last week and not once has it gone through. When I call Dog in disputes is rude and has no advice on how to get them to you. Maybe I will close my account and go with a company who has working machines. Very disappointed with customer service and attitude.

The only problem I have with the bank is that you mail your payment 12 or more days earlier and they still ends up charging you for late fee. I can you be late mailing your payment in that much time earlier. Apart from that to me one of the best bank.

Merrick has allowed me to rebuild my credit. It takes a long time to repair your damaged credit and they gave me a chance. I have not let them down and they have not let me down. Thank you for the opportunity.

Your $95 'acceptance' fee for merely *receiving and using* the card, should have been in BOLD at the top of the offer letter. Instead, it was buried in the body. Had I known there was this fee upfront, I would not have accepted your offer for the card. I already HAD a credit card, given freely without fee by my Credit Union. I only now accept card offers WITHOUT this fee.

Getting my Merrick Bank Card has been of the best experiences. They have been exactly what they said they would be, with promised Limit increase and accurate reporting to the Credit Bureaus. I like them because they don't have all the crazy fees.

Charges and no rewards program. That sucks, being loyal customer and making the payments in full does not drop the Monthly/Annual Fee. Encourage more and more people to write reviews, who are in the same boat. They don't even have a rewards program so, we can use card and earn points and claim rewards. There is no purpose to spend using this card...

When I received my card from Merrick Bank it was a five star company and just today I received a letter stating that my account will be closed due to not using the card for the last year. This is not due to my credit history with them or others. Which my credit is perfect, no late payments of any kind. All bills are always paid in full. It also states that even if I use the card in the next 30 days the account will still be closed. They dropped my card from 1200 to 300 already. So if you want to have a card for a rainy day this is not the one...

Website really easy to navigate and make payments. Love credit score update. Satisfied with periodic credit increases. Wish for automatic interest lowering review semi annually or quarterly. Would like to eliminate annual fee.

I applied for a business loan today. All my credit cards are paid off. I am do proud of myself. Only to get a denial for excessive late payments. Apparently there is a 2.00 monthly charge applied monthly to my Merrick credit card and my last month's score was 740, today I checked it's 657. I called to find out why didn't get a courtesy call for the 2.00 monthly charge. I would be glad to pay. Her response was an email was sent to an old email address. When I checked I felt so violated I cancelled the card. It was only 2900.00 credit limit. But to ruin my life for 6.00. And technically it was 4.00, the 3rd 2.00 was due later this month. Morally I believe this is wrong, and this report should be rescinded. I felt so helpless I just sobbed for 5 minutes. I am usually a strong woman. This incident just shook me to my core.

I have had only good experience with Merrick Bank. The website is easy to use and all actions with Merrick have been very pleasant. My card is accepted everywhere and have had no issues with the use of it. I would recommend Merrick to any of my friends.

This bank offers a line of credit increase if with 7 months no late payments are made. Yet when you make your first payment over the phone through the automated system it apparently sets your payment up to be pulled the next month's due date therefore making your payment late. I noticed that the payment had not been pulled from my bank account after a week so I called them and questioned why the payment had not been pulled. And they said, "Your payment shows pending to be pulled out on the following months due date." I told them, "No. I had made on the due date and the phone system said payment has been processed." So I then told them to reverse that payment that shows pending and process my payment immediately.

The first few months of having their credit card was fine, then around the sixth month with absolutely no changes in the way or time I sent my payments in they started posting late. I called the bank only to be told “In your contract it says we need 15 days or more to post your payment”, WHAT? How would the payment ever get posted on time. I sent my payments in with three weeks to make it there and I am told that's not enough time!

I like all the features of this card. I've had cards in the past and present that stick you with unnecessary fees that almost make it impossible to repay and I like that this card doesn't have those which in time I'll be able to pay it down and hopefully off. Not to mention that I have one card in particular that the payment fluctuates with how much is charged on the card which makes me like this card even more since that doesn't happen. Thank you.

I am happy with the card. The interest is high and getting hold of CS, via any method other than phone (when you can reach them that is) is impossible. I do wish that CS was reachable via methods other than phone and mail.

I am thankful for Merrick Bank giving me the opportunity to get my credit back in shape. I had a few bad years with dealing with my significant other's cancer. Some bills became overdue. He has since passed away and I am trying to rebuild my life.

Never had any problems when calling the 800 number. Always professional and courteous when dealing with customer service. Online, the website is user friendly and I am able to look at my credit score each time I log in. I am very satisfied.

Merrick has great customer service and an easy to use app for easy access to your account and transactions. Their payment process through the app is smooth. The only thing I wish they would do is to participate in Samsung Pay and/or Android Pay. I have used these services before and they are very safe and satisfying to us. If Merrick could get on board with one or both of those, I'd be a very happy person.

I am super thankful for Merrick Bank restarting my credit and making their tools available to help me monitor my credit. It has been years since I have been able to have a credit card of any kind with my very shotty score. But Merrick has saved me now my score is in the 700's.

Words fail me to describe my experience with Merrick Bank. Suffice it to say it has been an amazing journey that has exceeded all my expectations. Merrick Bank is one of those things you would think could only exist in the realm of imagination.

It's been barely an average experience. If there was a 2 1/2 I'd choose that. Nothing stands out; interest rate is high, fees are high, and no rewards. I did a balance transfer to another card and the check was returned as the wrong address (which it wasn't) which delayed the whole process. I wouldn't get this card again.

Excellent. It is a great card to have. Customer service very easy and helpful to work with. Wish my other cards customer care were as pleasant and helpful as this one. I certainly tell my friends to apply for this card. The only thing that could make it better is if my interest rate gets lowered.

My experience has been decent so far. My only complaint is how high of an interest rate they have vs. competitors. But, if you have poor credit and are trying to rebuild it, you have to take what you can get.

My account was supposedly closed months ago when I had paid off my acct. I got a late payment notice through one of my credit monitoring sites this morning. I called to find out why, considering the people at Merrick Bank are the ones who told me they closed my account. I've had this acct for roughly 9 years and have always made my payments. They refused to remove the fees and annual fee. I cancelled the card for sure (if she actually did as I asked) this morning. If I ever have to deal with this shady company, it'll be too soon!!!

I'm pleased with my Merrick card because after less than a year of on-time payments my CL was doubled- I didn't however, get any notification of that which would have been nice but I eventually logged in and saw the increase.

I had never heard of Merrick Bank prior to receiving the credit card offer in the mail, but when I read over the terms, I was pretty impressed and decided I would give them a try. They have been super easy to deal with, extremely professional and I simply couldn't be more pleased - first class all the way. I will be a loyal customer for years to come.

Merrick is definitely not the card that "screws your over" like some of the reviews mention. My guess is those people aren't very responsible and look for the opportunity to blame someone else. I get regular increases and never have issues.

I applied for a card with Merrick Bank despite some negative reviews which I should have taken more seriously. I believe this bank purposely processes payments late so that you get charged a late fee. I sent my payment in plenty of time and was shocked to see a $27.00 late fee. Do yourself a favor DO NOT APPLY for a credit through this bank.

I always mail my payment 1 to 3 days of getting my statements. Mailed Credit One off the same day, payment posted on the 8th. Merrick as of the 20th when my payment is due still haven't posted which now make me late. Trying to rebuild my credit. Can't do this with companies with these type of practices.

My dealings with Merrick Bank have been subpar. I have had a card with them for 2 years. My account was closed and charged off with no notice or even a phone call. I have had issues with my bank which have since been resolved. A phone call could have prevented this situation. For a company that claims to help consumers they have completely ruined my credit. 1 letter and no phone calls? Would be... Could be... Might? Is no way to run a bank offering charge cards to build or reestablish credit. My suggestion? Don't do business with Merrick bank!!!

I’ve had this card about 2yrs or so. Until this year (Jan 2017) they started processing my payments after the due date and charging me the late fee plus interest! I called them. Nothing happened so I contacted the FDIC and voiced my complaint. Merrick then credited the late fee for 3 months. They told the FDIC that they had mail delivery problems due to bad weather. Bad weather for 6 months? Really? Well they did it again so I had to file another complaint. I’m on social security and I mail my bills out the same day every month.

I had my Merrick Bank card for several years. I was unhappy with the very high-interest rate, but I paid the card off three years ago and just kept it on hand for emergencies. Then the Merrick Ripoff started. I had never been so much as a day late with a single payment, and I paid off my Merrick VISA card balance way early. Then, when a relative had an emergency I let her charge $1800 on my Merrick card and she agreed to make the payments. She has done this, and still never a late payment on the card. And yet, for some unfathomable reason other than corporate greed, out of the clear blue Merrick Bank sent me a notice that they were jacking up my APR to 28.45% (and 33.45% for cash advances). This is in addition to a flat $4.00/month that they charge for, I don't know, the privilege of letting them screw me over with ridiculously high-interest rates? It's greedy companies that do business like this that give Wall Street such a bad name.

I usually send a check through my bank to make my credit card payment so I have a record of the payment. Over the past two years the payment has posted to my account on the day my bank says it should be there. This time I sent a payment to pay off the credit card and the payment didn't show up. I contacted Merrick Bank on several occasions over a thirty day period to see if they received the payment. They said it never came so they suggested I have my bank cancel the payment and reissue the check for security purposes. I did just that.

The BEST card to have! - ABSOLUTELY NO upfront program or annual fees to pay, and as long as you make your payments on time you will get a credit limit increase!!! Even though I had bad credit and with me trying to rebuild it; I was given another chance to prove to creditors that I can and will be responsible! Thank you MERRICK BANK for giving me the opportunity and for keeping your word! :)

I have appreciated having this credit card. The service has been very useful. I find your web page to be a bit awkward from time to time -- the dropdown menus are very sensitive. Now that I have proved to be a reliable customer, I appreciate a larger line of credit but I would even more appreciate a lower interest rate. I will be shopping around soon.

I have always been given prompt, professional, knowledgeable service from Merrick. They are courteous, patient and friendly and will do their best to resolve any issues immediately. They do what they say, when they say and follow up to make sure if customer satisfaction. I would recommend them to anyone.

I am very please with the credit card company. Everyone is very helpful and professional. Great card as well. The only thing I wish the limit on the card would be higher. Other than that perfect all around. :)

My experience with Merrick Bank online is a very good one. It is so easy to understand the layout, and maneuvering through each section is such a breeze. Also, maintaining your payments on time, has its rewards.

Merrick Bank helped me get back on my feet! After my divorce, I struggled because I had no credit in my name. Merrick bank approved me for a small amount, and over the years, after paying on time, I've been able to increase my credit limit and my credit score! They have been an important factor to my financial success!

I joined Merrick Bank because they promised to double my available credit after 6 months of paying on time. They did as promised. They also have easy to read statements and on-line payment. I am happy with this credit card company.

I made $500 payment from my checking account on 6/20/2017 that wasn't fully credited until 6/27 I was told for verification purposes. This hold seems unreasonable and will affect my likelihood of using this card in the future.

Merrick has been wonderful on helping me rebuild my damaged credit, after my husband destroying it by making me and my 11 year old pretty much homeless. It's been a struggle. Without credit it's impossible to establish yourself to obtain anything. They monitor your account and quickly pick up on fraudulent activity. They notified me right away. All I can say is thank you for a second chance.

Merrick Bank has been wonderful for myself and my wife. Given the opportunity to rebuild my credit, Merrick did exactly what they said they would do. The website is easy to use and I appreciate the opportunity to be trusted again. My wife has also opened an account.

Merrick Bank has provided great incentives for making timely payments. I appreciate the double your limit program when I made 7 consecutive payments. Customer Service team answered any question. Very pleased with Merrick Bank!!!

I use Merrick Credit Card for a lot of my purchases and have not had a single problem. If you need to contact the customer service department they have been helpful and friendly. I would recommend Merrick Credit Card to my friends and associates.

Merrick Bank has been a good resource in establishing and building my credit. They are responsive and supportive to customer needs. I had not heard of them before, so I'm so glad I was given the opportunity to apply for their card, since it's been a great and dependable one to have!

I don't like having to paying a service fee for A 2nd card or yearly service fee either with the high interest rates. Chase nor Capital One Charges me any service fees. That's why I paid the card off and stopped using it.

I have not had to contact customer service but I am able to do everything through the app on my phone. The app is a great way for me to maintain everything and pay more statement on time every month. Thanks Merrick!

I have been pleased with my Merrick Bank card thus far. I am not pleased that there was an initial set up fee, and now an annual fee. But other than those two factors I am pleased with the card. It provides for all of my consumer needs.

Just finished my first year with Merrick Bank, have been re building my credit and Merrick was my start. After this first year my credit score has gone up and they have been a great help. Couldn't ask for a better service and excellent rates. I plan to keep them as my #1 credit and can tell my line will get stronger. Thank you Merrick Bank!!!

I am so sorry I ever accepted a credit card from this bank. It does not matter how early you mail your payment. They will not process it until at least a week after it's due thereby allowing them to charge exorbitant fees. I hate this bank, I do not have a high balance and pay well within the 14 days of the due date but each payment I have sent has been processed after the due date. I use Chase bank for another account and never have any trouble. Payments are received and processed with a week. Even if they are mailed via USPS. Lesson Learned I'm closing my account with these gangsters ASAP! DO NOT USE MERRICK BANK.

I don't use my card anymore because I was making the minimum due, but wasn't getting anywhere as far as my balance going down. I paid more this month, hoping it would help. Now, for next month, they want $70 minimum due rather than around $39. Last time I spoke with them, I talked with someone in India. They are impossible to understand and I don't have the time to waste trying to talk to them. I want to cancel my card without having to speak to someone. Had I known dealing with them would be such a problem, I would have avoided them like the plague.

I was offered a credit card with this bank, only to find out the offer has ran out. I have never had a problem like this, why offer in the first place. This bank is full of crap and now I will never do business no matter how much they offer me to apply. Don't go for such a scam as this is!

I'LL NEVER DO BUSINESSES WITH MERRICK AGAIN. I paid the full balance of $ 128 and mailed it on 6/1/17. It was due on 6/5/17 now they say the previous bal. was 174.77. They wait to cash the check so you'll be late. It's a scam. I cut that card to pieces.

Merrick Bank notified me and asked me a few questions about my account and they advised me what to do and they closed that account and opened a new account with a new credit card without any charge to me and they even put back the money my account was charged before the account was closed. They also gave my account credit increases upon their review of my account. Also when my bank stopped a payment by error they didn't charge me a late fee or raise my interest fee. Their agents are very professional even when I'm locked out because my password didn't work. They walked me through the password change.

I received a pre-screen for a Merrick credit card and did quick online approval and was approved. I received card in the mail and NEVER used card, and was sent 1st bill for $155!! Annual fee and some other fee that was deducted from credit limit. It is as though you are paying for a credit card! I did not pay it and contacted them to cancel card and that I hadn't used it and didn't want it. They did… and reported to credit bureau! Now, I have negative mark on my credit for card I never used. I owe them for accepting (which I won't ever pay) on my credit! Be careful when accepting this high interest!

This place is a scam. How you gonna charge 100 to activate but then tell me I need to pay 15 just to speak with a representative. Then said rep tells you that the only way to make a payment is through my direct routing like gym memberships because you know there is no way to cancel a direct draw, but wanna be like "it's the bank's policy not ours" right...

Made bad decisions with my credit in the past and tried to rebuild with other companies. Merrick Bank accepted my application and has been great. Easy online payment arrangements. Would definitely recommend.

I am a new participant with Merrick Bank and I have been very satisfied with their explanations of their programs and expectations. I look forward to a long and satisfactory future with this institution.

I have had a credit card with Merrick Bank for many years. Every time I have had conversation with their customer service people, they have all been knowledgeable, helpful and extremely polite. Merrick Bank does account review on a regular basis, which is very nice as that means I don't have to call and ask. Overall a great company with whom I am very pleased. Thank you!

I never had a problem with Merrick, I simply responded to their request to review them. My experience with them has been great!

I guess I must be stupid. Every time I go to pay online I must forget to submit and wind up with a late fee. I write the payment on the bill but it doesn't go through. I WAS VERY CAREFUL THIS LAST TIME AND GOT A CONFIRMATION #.

I feel secure with this card. Fair and kept their promises of credit limit increases. Card always works. Easy access on phone. (I have not tried anything online.) I wish the interest rate was lower. That is the only factor that keeps me from recommending Merrick to friends.

Merrick Bank is great. With the monthly reminders, it is easy to pay your bill online. They also offer paperless billing. They give me plenty of notice when my bill is due so I avoid any late fees. I haven't had any issues with my account or card. It's awesome.

I've only been a customer of Merrick for about a year now but have nothing but positive dealings with them! They have kept me quite informed of my account and every transaction has been seamless. Their mobile app works well without a bunch of extra frills and is quite easy to use! Highly recommend this establishment!

Merrick Bank has been simply a great relationship for me as a credit card holder rebuilding my credit. I initially heard about Merrick and just applied on their website with quick easy application. And a rapid response to extend the new Visa card. The credit limit is light, and increases are periodic with no requirements from me. G payment processes, great customer service.

I've never had any issues with the card or the company. I called once and my questions were answered. I only have one minor issue that customers were able to change the pin for the card to something that they could remember, rather than the one that was assigned.

I use it to rent a car to go visit my son in college. I love this card. I love when I get an increase it comes in right on time. This card is what I needed. A major credit card. Thank you so much for giving me this opportunity.

Your service representatives are always friendly and treat me more like a friend than a customer. It's always a pleasure to talk to them. Thank you for making me feel like a valued customer instead of a number.

I have been working on reestablishing my credit after years dealing with IRS tax liens and a derogatory credit history. I was offered a Merrick Visa credit card with a higher limit than what I have received from other credit card companies. Of course it has a high-interest rate but is comparable to others considering my existing credit score. I did some reviews online and chose to accept the credit card based on the fact that there were no annual fees, the higher credit limit offered and the opportunity to have my credit limit increased substantially in 6 months. I have not received my card yet but look forward to a positive experience and I will update my review as time passes.

I have no complaints about Merrick Bank outside of their rates being a little too high for on time paying customers such as myself. It would be nice if they provided a rate decrease when they provide credit increases.

Was a fair card company, if you pay your bill they will even give you promotions. Its a great card for someone rebuilding their credit. Paying over the phone was an easy process if you are like me and not a fan of paying bills online.

I was provided with credit after unexpected circumstances caused my excellent credit to drop down to fair. I pay my bills on time and have worked in the same profession for 20 years. When unfortunate life experiences occur, they trusted me.

Merrick Bank has been great, with all service and information. They have periodically increased my credit limit without me having to ask and have been most helpful in accurate charges and payments. Excellent customer service, answered any or all my questions without a long wait. I give Merrick bank an excellent rating and have recommended their services. Sincerely, Virginia ** an old lady you have helped.

I have to say that my entire experience with Merrick Bank to date has been excellent. Website is easy to work with and understand. My few calls to customer service were a pleasure and my questions resolved quickly. Thank you.

Thus far - close to a year - my relationship with Merrick Bank as a Credit Card Customer has been simple, straightforward, and helped me to continue to build my credit. My credit line doubled after so many monthly payments on time as promised - and the rare accounts I have had to interact with CS they have been polite and helpful.

The problem for me in using the card I have is I do not have a means of being able to do online payments when purchases are made so I have held off using it. Do not have a userID or a Password setup online so that I can make payments once the card is used. No customer contact info or phone that I have seen up on the web page. Would indeed be of great help so I could use my credit card with your company.

I paid my payment 2 days before it was due. Merrick did not process this until 3 days later. Then, they hit me with a late fee. The lady I called did not want to help at all and was rather rude to me. So, I called back and spoke with a Justin and he took care of all of it for me (which should have been done in the first place). I'm rather dissatisfied with Merrick Bank.

I send my payments every two weeks to keep a zero or low balance. I use Bill Pay through my bank. It takes Merrick 5-7 business days to get and process my payment. I called and asked if they are set up electronically. The guy assured me yes. So I set up Bill pay on my other two bank accounts and same thing. I need my payments credited the next business day like my Capital One card. I have had the card for 3 months and closing it as their snail of a payment posting process is complete.

I was fine with Merrick. I paid my card off every month. Then I was in an accident herniated disc x2 and dislocated shoulder and pivots out of the ball of my other shoulder. 8 broken ribs and two broken wrist. I entered a credit protection type of program. They told me they wouldn't charge interest, they always did. I told them I couldn't work. They have no real credit protection program like other cards do. I was told I had to make monthly payments and all I said was I could try but I don’t know if I can.

Dispute process is impossible to win. I've been had by a scam and they got my money in the end. It took months for me to finally just give up and hand over about 5 hours of my work week. I miss Discover Card.

I received a letter from Merrick Bank today where they had close credit card account because I hadn't used credit card. I called their customer service department and they place me on hold for long periods of time waiting for a Supervisor to answer the phone. I find it ridiculous that Merrick Bank wants to tell the customer when you should the credit card and if you do not they close the account. The customer service representative said that they do this all the time. They decide and they do this to many people all the time. Sound like this Bank will be out of service in no time due to the lack of professionalism.

Merrick did what they said they would. After 6 consecutive payments they doubled my loc. Didn't have to ask for it they just did it. They are helping me rebuild my credit after hitting a rough patch for a while.

I was pre-approved according to what I received in the mail. (I didn't wait weeks or months to respond to the "offer".) I double and triple checked the fine print. Go through the process to claim my card and was declined. So thanks for an additional hit to my credit score because of an inquiry. If you're going to approve someone then and only then should you send them a pre-approval. Otherwise, it should just be a "if you're interested in this card, please see apply to see if you qualify" like all the rest of them. It's a really crappy way to do business.

I did receive my first increase as promised. I've had this card for 14 months and have not received another increase. I was told after the first increase I would receive another one 10 months later if I paid on time. I've never missed a payment, nor have I been late. 11 months later, still no increase. I called and inquired about it and the lady was rude! I've talked to them before and had no problem, but this lady was a peach!

Out of all credit card companies I've dealt with, Merrick Bank by far has been the easiest to deal with. No hidden fees and I appreciate the credit score feature. Online system is great to use. Happy so far.

I'm very satisfied with all the things that make Merrick my credit card of choice, such as no annual or hidden fees, a great way to rebuild my credit score and the issue free transactions. I recommend Merrick to all my friends and family! Thanks for the ease of navigating Merrick's website.

I have been a customer of Merrick Bank. and I feel that it is my duty to pass on my experience with this bank. I am a senior citizen, living on a fixed income. Both my wife and I are retired. Because of birthdays, we do not receive our money until the third and fourth Wednesday of each month. When the account was set up they set the due date at the 20th of the month. Which always put us as late due to when our money comes in. So I called and asked for a change in the due date to the 4th of the month, so that we would be paying early, instead of late, depending on when our second check arrived.

Merrick Bank gave my roommate a line of credit under my name. I looked up my credit report and saw a maxed out Merrick Credit Card. I knew I never applied/nor did I have possession of this credit card. I called the company and gave my information in hopes to gain access to purchases on the account in order to find who opened account. They verified my info to the account, except the address and phone number was incorrect. I took a shot and gave my roommate's work address and cell phone and sure enough it was verified. I asked Merrick how this could happen? The agent explained to me that I was sent a pre-approval in the mail and my roommate must have filled it out and was approved. Here's the kicker, my roommate is a guy. I asked how they could miss the fact that a guy was applying under my information whom is a female. They explained they do not process applications over the phone... EVER. It's mail in only!!!!

I haven't had any terrible experience with Merrick Bank. They kept their promises and I am thankful for that. I just hope at some point they may offer cash back or a lower interest rate. I am considering dropping their card, keeping my Capital One rewards card. We'll see.

Excellent services offered by Merrick Bank. Very easy to deal with. Any time that I spoke with anyone in customer service they were very professional and first class. They offer no fee foreign transactions which is great when traveling! Would recommend to my friends!

I have been a customer with Merrick Bank for most a year and my experience has been a good one. If I could improve one thing it would be ease of use of their site and finding your debits and credits. The one time I needed customer service they were helpful and professional.

Though my interest rate is high, I have no problems with my card. Their app is extremely user-friendly, I am rewarded for my loyalty with increased spending power, & their customer service team is polite & professional.

The server's has truly been outstanding. Dealing with Merrick Bank has been the best experience of my life. The bank is always on time. Even though I speak to a machine when I call it's always productive. Thank you so much and I will recommend you to all my friends.

I like that I am rewarded for paying on time by getting increase in my credit limit, but I don't like being charged a fee for you to raise my credit so you can make more monies on my using my new amount of credit. Just like another hidden fee.

Pleased with the quick automated service, response time is good. Account info is easy to access. Have not experience any problems. Was not familiar with Merrick originally and I have recommended it to other associates and friends. Liked getting an increase in a short period of time without making a request.

I'm quite happy with the relationship I have with Merrick Bank. The terms are reasonable enough, the payment is easy enough. They have increased my limit on occasion in keeping with needs. I'm sure they were instrumental in the rebuilding of my credit.