Merrick Bank Reviews

I think this credit card is good. They give you increases over time and the rate is what is expected for someone with less than perfect credit. Good for rebuilding. Do not care for the annual fee at all. That's the only disappointment. Wish after a time period of good history it could go away.

Online payment and account overview - Site is very easy to use, clean in its layout.

Merrick offered us credit when no one else would. We have always paid cash and lived within the concept of "if I don't have the money then I don't need it." We don't like to owe anyone for anything. Well, we decided we wanted to buy a house and in order to do so, we needed to establish credit. Merrick came to our rescue and as a result opened many doors for us in the credit world. We have been very diligent with our credit and still spend cautiously. We have been pre-approved for our home and expect to close shortly. The APR is high but we have sidestepped most of that by being responsible and routinely paying off the balance. We were high risk so this was expected. Overall a big thank you to Merrick.

Service is good and I am pleased with everything.

Excellent customer service.

I was a little disappointed that my payment was not made available to me. I'm sure it was in the terms and conditions but the representative I spoke with made it available.

Recurring payment - I need to pay more than just minimum payment but not the whole amount. You need to have a way to pay more than minimum.

I love how you guys took a chance on me and I'm hoping to get a lower interest rate!!

Back in 2011 I ran into some financial hardship, I lost my job, and had to file bankruptcy. Since then I've been working very hard trying to build my credit back up. Merrick Bank gave me a chance. Thank you for letting me prove myself. Not only did you trust me with a credit line, you increased it prior to the year for review. I appreciate Merrick Bank very much.

I like the fact that when you show you are paying payments consistently Merrick rewards you with credit line increase.. I love the convenience of mobile app to manage your account. Online pay as well is great.

Feel positive about my relation with the Bank. I am using the internet to check my account and make payments. Very easy to navigate. I do not receive paper statements. I want to continue using this bank services for a long time.

I'm very pleased with Merrick Bank services.

My experience with Merrick Bank has been rather pleasant. I have no complaints and after making on time payments they gave me an increase to assist in more of my needs. Thanks Merrick.

Well based on the number of reviews regarding customer experience, website navigation woes and problems when closing accounts. I will not try for this card. That's too much headache. Thanks but NO Thanks. You really need to read the bad reviews and do what you can to ensure that your contracted customer service representatives are representing your company in a manner that keeps your customers.

So far my experience has been great, thank you! A little lower interest rate would make it even better.

This is a great card. I enjoy the ease of using it and making payments.

I have been extremely satisfied with my account with Merrick Bank. It's very easy to use and really convenient to have my Merrick Card on hand when I need it. I am rebuilding my credit after filing Bankruptcy 6 years ago and Merrick Bank is helping me do this in such a positive manner. I am really happy to be a Merrick Bank Card Holder.

I called about how to change my banking information and got through fairly quickly.

I never had such a great credit card before. No late fees, customer service is great and the increase in credit for good payment history is awesome. Glad I went with this credit card.

I've enjoyed my Merrick card from the very first day I got it. I love the fact that after I had the card for a few short months and made my payments on time my credit limit double. I would recommend this card to anyone who's trying to get their credit back on track.

I recently lost my credit card. When I called it in I was charged a 15 dollar fee. Why I don't know and no explanation was given to me. I asked if it could be waived and was told no. Other credit card services like Capital One doesn't penalize their customers for a lost or stolen card.

I would highly recommend Merrick Bank. They have provided exceptional service and an outstanding product with their credit card. I couldn't be more pleased with my experience with this company.

Merrick Bank has been a good card to have. The initial pre-approved "offer" was better than other cards and there were no 'gotchas' or fine print tricks along the way. My limit was doubled as promised after 7 months. Very satisfied.

Very satisfied with the product and service thus far, would highly recommend.

Happy with Merrick Bank, no complaints at all. At this time I also have an application in for you to be my credit card processing bank.

Easy website. Good customer service. Use card all the time.

Card Services have been very clear and detailed on any and all of my updates and verifications...

There was no wait time to get a rep. She was very pleasant and resolved my problem quickly.

I would highly recommend Merrick Bank to anyone.

Kelly was very helpful. She helped to understand my statement.

Merrick Bank is great bank for being fair with credit increases.

This card has been a great card for rebuilding my credit.

I really like the nice surprise of being informed that I have earned a credit increase due to my outstanding pay history!!!

I've had nothing but the greatest experience with Merrick Bank since my account was open. Thanks for the opportunity and keep providing for your customers the way you have been doing.

The only experience I have is a credit card account. There have been no issues using the card or online services.

I think they are a very fair bank and going to grow rapidly.

It seems solid. Nothing outstanding. I'm a little disappointed that I don't have a PIN and chip card. The website seems very archaic and not full service compared to credit cards like Capital One. Overall, I'm satisfied with the service they provide. I just wish they were a little more with the times, including better UI/UX experience for the website and a mobile app.

Nice web page. Easy to use.

I have had no problems with this card and company. Services offered credit reporting and website are all good to me and easy to use. I will continue to do business with them, and they have helped to rebuild my credit.

Too high of a interest rate.

I had some credit problems after my husband became very ill in 2011 and could no longer work and Merrick Bank is giving me the opportunity to rebuild my credit. I am very grateful for this opportunity, and my credit score is slowly improving because of Merrick Bank.

This bank gave me a chance to build my credit which I am doing month by month. I was out of commission for eleven and half months, now I am back on my feet. (Thanks Merrick Bank).

Great card. They keep true to their offers, and has many other handy features as well. Best card for rebuilding your credit history.

In trying to repair and build credit, I've been happy with the periodic increases to my limit. However, reducing the apr in addition would be a huge "win" for convincing me to work more closely with Merrick.

Always knew where I stood with the bank, good email updates.

I've had nothing but great customer service with Merrick. It's a great card to rebuild your credit.

Credit card services. Great customer services.

Merrick Bank offered me a credit card with 0% interest rate to start with. When I proved myself with them, they increased my credit limit. Have no problems with them. Certain sites I go to, I get a discount if I use this card. I would recommend them to anyone!

I have no doubt I am looking at a long relationship with Merrick Bank. They are both timely with payment credits and increases as they said they would.

I have had nothing but positive experiences when dealing with customer service, billing and purchasing with Merrick Bank.

They are consistent with this. Takes small amounts if you use it. Credit utilization goes up fast because of small amount increases. That can hurt sometimes but a good card to have.

My experience with Merrick Bank has been simply amazing. I was offered a card that would double my credit offer in just 6 months as long as I maintained payment of my balance on time. I did maintain on-time payments and I received my credit line increase as promised. Only issue I had was when I went to work at the hospital, I had my wallet in my pocket when I entered the MRI room and the magnet erased my card. I called to see if the card could be replaced and Merrick Bank stated there is a fee... sad face... It should be replaced without a fee in my honest opinion. That is the reason I give them a 4/5 stars.

The online bill payment never works, the automatic withdrawal never works and I'm always and to go on I make manual payment every single month. I have called in several times to fix this and has never been fixed - actually very tired. I've always tried to make sure that my payments are on.

Ease of use and great customer service.

I have no issues or complaints. It's straightforward if you maintain your account properly. After 7 on-time payments and your account in good standing, they automatically double your line of credit.

I have had nothing but great experience with Merrick Bank. I have also referred my father to open an account. He loves it too!!!

Thank you for upgrade in credit level. I will continue to use it of course so you make some money off me.

The customer service of this Bank is truly focused on the customer. The website for this bank is so very comprehensive and easy to navigate, and the ease of payment is very efficient. I would recommend this company to anyone who is struggling to keep up with this world's economy.

I feel that Merrick Bank has always treated me in the most personal way. They always call me by my name and not a number,and always been upfront about what they offer with no hidden agendas.

Been an awesome card so far. Keep up the good work.

A great company to help you build or rebuild your credit.

Great credit card.

I'm very happy with all my dealings with Merrick Bank.

The card is very reliable. They have easy options to help keep up with your card. The app is awesome, allows you to do everything online. Pay your bill, review your purchases and keep up with your balance. Also if you stay in good standing you have automatic increases!

I have a credit card with Merrick Bank. My bill is always accurate. When I need customer service it is always readily available. This bank is one that does what it says it will do and rewards my on time bill payment with increasing credit limits and cash availability.

Called to ask for a lower % rate on credit card and they told me Merrick Bank DOES NOT TAKE REQUEST FOR LOWER INTEREST RATES FROM customers.

Very good and accurate response.

I would like the credit increases to be on a more regular basis that is proportional to the timeliness of payments. Also, an option to request a credit increase would be nice.

Have had good experiences with the service.

Great and easy to make payments.

I felt so happy after I had Merrick Bank card. It has help me built my credit back and my credit score improving.

Merrick Bank was great to give us a second chance after we filed bankruptcy. Easy to deal with. Friendly customer service.

I've never had any negative experiences only positive. Nice work!!

So far so good. The staff card is great but when will you start a cash back program?

This is the first time I see a bank doing business so fast like this. If all the bank does the same, we wouldn't have to get so many credit cards. We should doing business with one bank instead. That's why I'm going to pay all my debts and have one creditor. Better for the bank and for me.

I am happy with everything but the interest rate. It's crippling.

My experience has been satisfactory due to the constant of valuation of my account by Merrick bank which has valued my good payment standing. One thing that might be appreciated is a decrease in interest charges for those with long-standing good credit history with Merrick bank.

Great peace of mind site that is easy to use and they work for and with you.

I have been very pleased with Merrick. I use my card frequently and have always been billed correctly, fairly and easy to work with. Thank you.

I am very happy with my Merrick Credit Card. I appreciate the ease in making payments online. I appreciate that if I do have to contact you, all of your representatives are courteous and knowledgeable. I also appreciate the fact that you increase my credit line without me having to ask for it.

Site was useful and provided all the information about your card.

No complaints about anything. The best credit card I use.

I like being able to check on my account daily, if needed and pay online.

I have not had any issues with Merrick Bank.

Very good card and service, never had a problem.

So far they have done everything that they said they would. I even had a fraud incident and they handled it promptly and resolved it to my satisfaction.

The site is very user friendly. Easy to navigate through. Love than I can check my credit score also.

At first I thought this was a good credit card company. Then when I noticed a questionable charge on my account I log onto my account to file a challenge to that charge. That was when I realized there is no such possibility on the website. I further noticed that other services on the web offered by ALL my other credit cards did not exist on the site. In all instance you are required to telephone the 800 number. However if you travel a lot, as I do, and do not have access to a US 800 number, then this is useless. I emailed customer service twice about the problem. Not once have I received acknowledgement of those emails let alone a resolution to the problem.

I received quick and great customer service.

I have two other credit cards with no, zero, annual fee and international transactions fees. I go out of the country sometimes and need to rent a car and pay for hotels and flight tickets. That's why I don't use the Merrick Bank credit card more often.

My husband just received a new card for him & I told him I truly love Merrick helping with credit working. He called for a simple question and the Lady was perfect.

I have no issues with my account. I can pay online and I get constant reminders via email.

I totally love working with Merrick Bank and their Credit Card Program. I charge, I pay, I travel, I pay. That is the way that makes it so very nice.

Wonderful bank. It's a pleasure doing business with Merrick.

I have been with Merrick Bank for over three years and have no qualms with their service. Their online app is concise and very easy to use.

Although I am satisfied with the automatic increases on my credit card account, I wonder how that is being determined by the bank itself. I have never requested for an increase in the past but I was always notified that the amount has been increased without my requesting for it. I would have preferred that the bank would withhold any increases on my credit card amount unless I request for it in the first place.

Treated like a person not a number. Great customer service.

Very nice and professional experience, I'm very satisfied with your services.

I've had nothing but great customer service since being a cardholder with Merrick Bank!

Excellent. I do wish the mobile app was more friendly in setting up future payments...

I am very unhappy with this company. I have been a customer for several years, always paid on time, never late. Last month I requested an updated card reflecting my married name and not only did they not send the card but they apparently billed maintenance fees on this new card that I never received! They reported me late to the credit bureaus due to no fault of my own. I paid this $14.00 and closed my account. Now I have to dispute this with this late report with the credit bureaus. The customer service at Merrick is virtually non-existent. Those reps have no interest in retaining your business as a customer and are eager to close your account. I have filed a BBB claim and hope this matter gets resolved quickly. I am going to write about this experience on every consumer site I can find letting the world know how horrible these people treat customers, even those with excellent credit.

They froze my account on Jan. 14 after a $750 payment for no reason, and couldn't tell me why. Then they told me to unfreeze it, I would have to fax in some documents, I had to do that four times. They finally said they received my fax on the 27th of January and that my card would be mailed two days later. The card never arrived so they then told me they would ship my new card the following Monday on the 1st, so I called every day to this day which is the 5th and have heard at least 30 different stories from... "The card has shipped, hasn't been shipped, hasn't been developed, will be shipped today, will be shipped tomorrow, will be shipped on the 8th." Basically the moral of the story is these people stole my money and continue to lie about it being shipped out, so I think anyone who opens a card with this company is a damn fool, and if I don't get any answers soon, they will have to speak to my lawyer.

Love everything that they are providing as services.

Great credit card, help me a lot when my credit was bad & now I want to keep it even that I got offers from other ones.

I have had nothing but a positive experience being a consumer of Merrick Bank. I would recommend to anyone looking to repair credit.

They do what they say, gave credit when no one else would. I like the credit score app. Easy to communicate with.

I was shocked to hear from your fraud protection dept that someone had used my credit card in a different state without my authorization. I was relieved to learn that your dept. paid attention to this charge and assured me to rectify the situation. I am awaiting further information via mail now. Thank you!

Pleased with way my account is handled. Request limit increase to 1,000.00. Thanks.

Excellent customer service and response, very polite and helpful.

Would be nice to be able to view all transactions in real time. That would enhance the experience. Thank you.

I am a busy person most times. I do appreciate being alerted monthly on time to be able to make on time payments. I have recommended your bank to my friends.

It was a very good experience.

Merrick Bank offered me a great opportunity to rebuild my credit! They have also rewarded me on several occasion by reviewing my payment history and increasing my line of credit for paying on time! I am very grateful for this opportunity of rebuilding my credit scoring!

My experience with Merrick has so far been awesome!!! I am being treated with respect and politely. If I need extra time to pay on my account they will allow me to!!!

Everything has been as smooth as one would expect.

My experience with Merrick Bank has been great. I have had no problems to date. The email communication is also great. I would recommend to others. Thank you.

Absolutely No Issues when using the card nor using the Merrick Bank website or App.

I lost my card. Instead of having the usual bank reaction of being thankful I notified them ASAP, they responded with a $15 fee to send me a new card. Out of all the credit cards I've had lost or stolen, this is the ONE AND ONLY bank to charge me for a new card! I frequently use all my cards and usually carry balances; however, due to this outrageous action, I've simply put this one away in my filing cabinet. I got online to write them about how I've been ripped off, they don't even have a way to contact them without sending a physical letter! I literally can't believe this company can get away with calling itself a bank! They stole $15 from me when I don't even have a bank account with them! They would be THE LAST people I'd trust to keep my money safe.

Merrick Bank has been my credit lender for quite a few years now. They have worked with me to help improve my credit rating and have an excellent customer service department. Their online banking is very easy to use, and they treat their customers with respect.

On time with posting payment.

I call customer service. They were very helpful and professional. Make me feel like an appreciated customer.

I have been a very satisfied customer for almost 3 years now without any reservations. Their customer service has always considered my concerns to be a top priority taking care of my problems or questions without delay. I have been granted a valued customer status because of our mutual respect and good business relationship. I would refer this institution to any person that I would come into contact with. I'm glad I have been partnered with this bank.

I have been with Merrick for 10 years. They gave me a chance to resurrect my credit. No hidden fees, no outrageous rates, regular increases. Simply put one of the best cards out there.

Gave me a chance to prove that I would be a good customer. They are fair in upgrading and post your payments immediately.

No issues here. They've upped my credit allowance a few times and helped my score go up.

My experience with Merrick Bank has been very satisfactory over the years. I have had no problem with my account.

It has been a pleasant experience with Merrick Bank. My payments have been made and posted timely on their website, which is easy to navigate. I read online that Merrick Bank had a reputation of posting online payments as late to credit card accounts (I have never had this happen to my account) so I always set up my online payment at least two weeks before the due date. Signing up for the paperless billing is a convenience offered to customers that I took advantage of. Merrick Bank includes a free FICO score available online too. I have never had this card not accepted wherever I needed to use it. Merrick Bank also increased my credit limit after six months as advertised. Overall, I cannot think of any complaint about my Merrick Bank account and I have had a pleasant experience.

All good. Everything as promised and exp.

Whole experience was very professional.

Every time I have called in about anything regarding my account they take great care of me. They answer all of the questions I have in a timely fashion. Great credit card company.

AWESOME. Good credit card services.

When no one else would... MERRICK DID!! I am very impressed with your "promise" of increasing my credit limit, and was astonished that you increased it so much! I kept my end of the bargain, with 7 months of no late payments, and you have certainly kept your word. I explicitly trust Merrick Bank and am in the process of eliminating all other credit cards! Thank you and thank you for helping me to reestablish good credit!

I've had always a great experience With Merrick Bank. Really good people.

Nothing but positive. Received my credit increase automatically, as promised when I accepted the offer. Website is easy to use; app is very convenient.

Great service. Always helpful and polite on phone calls.

Great experience with Merrick Bank. Thank you.

Merrick Bank raised my credit limit without me having to ask and paying my bill online is quick and easy.

I was very pleased with the representative that handled my problem. She was very friendly and personable.

Your company responds to my needs in a very quick and excellent manner and you also reward your card holders for being responsible.

Good card that provides good customer service. Online options provide access to valuable services needed to manage my account with ease. The automatic payment option allows payments to be made on time consistently, which helps improve credit scores. Happy to be a card member.

I like the card overall. The design is nice and it's good to have a Visa card in your wallet. I think you should offer your "upgraded" cards for a cheaper price. The only thing that I don't much care for is the monthly fee to be a cardholder. Makes no sense to me. At least make it cheaper or something.

I haven't had interaction with a human but the website is easy to use. I like the fact that they raised my limit as promised when I opened the account. Just wish the apr was less.

I love their service and product. Keep up the good work.

Overall ease of use/user friendly site and app. Any time I have dealt with customer service, very helpful and friendly.

Interest rates are high but the website is easy to navigate.

Everything they have said is what they delivered on. Very satisfied.

Merrick Bank has very friendly customer service and are always helpful.

Because of mistakes made in my youth getting a credit card has been a struggle but this year I was issued a credit card with a respectable limit and even had my limit increased within the year. Having all my efforts to be financially responsible recognized by a nationwide financial institution feels amazing and motivates me to continue to strive to always be careful with the use of my credit and fulfill my commitment with my creditors. I definitely recommend Merrick Bank to everyone wether it's your first card or you are looking for that second chance.

If you want to deal with a hassle free company this is the one to choose. They do what they say, don't spam me with junk mail, and my online account is always available when I choose to log in!

I feel perhaps transactions could be a little quicker.

I enjoy using my Merrick Bank credit card. Thanks.

So far I cannot complain. This card has helped me to built a great credit history.

I am very thankful to be given the opportunity to have been able to re established my credit with Merrick Bank.

I want to say I never fill these reviews out! With that said I broke that rule for Merrick Bank. This bank stood by me at a low point when few would. Always treating me with dignity and respect. When I needed to grow they listened and helped me. Now I'm back and Merrick is big part of me getting back on top in 4 short years. Thanks a lot for not making me just a number and a percentage.

I was happy with my experience except for the high interest rate. If the rate was lowered significantly l would probably use the card again.

I was told after making 5 on-time payments I would have my limit doldrums from $600 to $1200! Never happened even after I passed the 5 payments.. The card itself is not bad but they should keep their word...

Lost a card from this company. They wanted to charge 15.00 for a new card. Meanwhile they charge 4.00 a month just to have an account. Thanks for making my credit score higher. However, I will be closing this account due to their rude and unprofessional staff. Very nasty, didn't even offer to close the card. what irresponsible credit card company does that? They would rather charge me 15.00 for a new card and let someone use my lost card. Shame on your company and employees. I will never use your company ever again!!! Even if I ruin my credit and you're the last bad credit, credit card company in the world!!!

Excellent attention in customer service and increments of credit.

I have had a great experience with Merrick Bank. They have treated me as a valued customer and have always treated me fairly. I would definitely recommend family or a friend to open a Merrick Bank account.

All my experiences with Merrick Bank, online and via telephone, have been excellent.

I started to use your Credit Card and I'm very satisfied with the service provided by Merrick Bank. The easy access via internet made possible to keep my account under control and secure. I'll recommend to any person who wants new credit card. Thank you.

I wish you would credit my account the minute you get my money order. It took you guys 13 days one time and I was on edge waiting for it to credit. It was very nerve wracking. Thanks for the credit increase... it really helped. Other than that one thing, it's ok...

Great experience... website is easy to understand and use. I have only good things to say about using a Merrick Bank card.

Called in regarding being double billed, customer service rep didn't seem to know why. I've had the card several years with a great score (700's) with no CLI for whatever reason, never late, never carry a balance, pay in full for small charges. Can't say that it didn't help my score but right now it's hurting being such a low limit, with all of the prime cards I have with generous limits, I have to cancel Merrick.

Merrick was the first new credit card I got after clearing up prior debts and a foreclosure through bankruptcy. I was very reluctant to open a new account, but also knew I needed to begin to rehabilitate my credit. Merrick's application and approval process was fair, and the information provided by them regarding fees was honest. I have been very careful to ensure my minimums and usually more were paid each month, and I have appreciated their timely reminders of statements online. I would absolutely recommend them to a friend going through the same financial issues.

Very satisfied with the benefits that the Merrick Experience has afforded me. Recognition of my payment status with the increase in available credit has re-established a higher credit score. Once again, I am very pleased with the affordable options of the Merrick Card.

All interaction I've had has been very positive. Good to deal with.

Best credit card experience I have had in a long time. As dumb as this sounds, they send their statements on time. When I called about a charge, they immediately got back to me. Very polite with good information. Very happy with this bank!! Will recommend to everyone and will keep for the rest of my time.

I couldn't be happier with the services and support provided by Merrick.

Interest rates high. Never any credit line increases.

I Love This Credit Card. I would recommend not only my friends also my family.

Very nice credit card company. I'm very happy to be a customer with. I can recommend to all my friends. Good support and smooth customer service.

Contacted customer service to inquire about the credit limit increase that was scheduled on occur in November per the pre-approved authorization notice that prompted me to register for this card. The CSR reacted as if my call was an inconvenience to her and tone suggested that I should have known that the increase would occur on 12/29/2015. Very unpleasant. It was obvious that this company only serves the population with credit challenges.

Thus far my experience with Merrick Bank has been very pleasant. They do what they say, and I am very pleased to be a cardholder and yes I would recommend this card to a friend.

I have had an account with Merrick Bank for years. I get a statement in the mail every month despite signing up for electronic invoices and I pay my bill every month. I kept getting emails from them saying they were unable to deliver to my address (despite getting bill every month) and to click on the link to verify my account. I just assumed it was phishing email, who in their right mind will click on that sort link these days.

Started with them when they were affiliated with Geico. Paid always on time. As they stopped their business with Geico they canceled my account. Called customer services because they were charging me 4.00 a month even with my cancelled account. They refused to waive the charge. Thanks God I pay in full. Will never do business with them again.

After writing this review, my account was re-opened. If for any reason you close your bank account be sure to stop any automatic payments before hand or your account will be closed if a payment is returned for a closed bank account. In my case, I closed my account to prevent fraud and was unable to cancel the pending payment.

I've had an account with Merrick Bank Secured Credit Card for around 4 years now. The initial experience was fairly easy. But years later I decided to close the card and was told after 10 minutes of trying to convince me to keep my card open that they would close my card. I was told it would take 2 months to get my money back. A month later I called back because I was getting emails about my new statements being ready??!

This is one of the easiest credit card companies I have ever dealt with. Their customer service reps are friendly and knowledgeable. Customer service is easy to contact and they are able to handle just about any issue. If you are looking for a good credit card to help raise your credit score I would recommend this one.

My checking account where my monthly auto payments to Merrick Bank was compromised. My checking account was frozen for any outgoing account, during that time I have a pending payment to Merrick Bank. My checking account fraud specialist stated that she is not sure if that payment will go through. When I checked online the payment was posted. The following week I got a mail from Merrick that the payment was returned due to checking account was frozen. I immediately paid off whatever is the balance using my new checking account. I followed up and the payment was applied but still my available credit is zero.

Great card but I just wish my interest rate was lower and my credit limit was a little bit higher. If I had about an 3000 dollar limit with a lower interest rate I would have rated this 5 stars. Customer service is good, the app needs to be more up to date. Other than these few things this is a good card to have if you are starting to build credit. Rewards are not as great as my Amex or Capital One card but like I said this is a good starter card.

I've had my account for several months now, they don't keep up with my transactions with my spending so I never know really how and what I've used my card for and the true amount that I am able to use out of my balance. When I have changed payment dates which I have only done one time I got charged for non payment because they didn't update my payment status so I was charged late fees and when I called them and told them they never returned my late charge and they were the ones I called to change my payment date. I just wish I could use my account without having to worry about overspending. They need to keep up with account status. Also I have never gotten any credit increase, I've had my account since the beginning of the year.

Merrick bank has excellent customer service and I appreciate all they have done to help me.

I have never had a problem with anyone at Merrick Bank. When I call everyone is very helpful.

I have been a Merrick Bank customer for 3 years now and when I call for any assistance, the service is excellent and the individuals I have spoken to are courteous and very helpful. It is always a pleasant experience when speaking with a customer representative.

I am very happy with my account with Merrick Bank and the way they giving me the opportunity to organize my credit. I am very pleased. Thanks Merrick bank...

I have had only good experiences whenever I have had to call. I would definitely recommend Merrick Bank to family and friends.

I would say that my dealings with a very fine institution and would recommend very highly to anyone that is looking to establish a credit card or any other banking needs.

I would like the availability to pay my bill online.

Merrick has been a major contributor to my great credit score. I've never had any problems/issues with them. They've done nothing but help me to improve my credit standing.

Professionals at best.

Merrick credit card gave me a chance to help reestablish my credit. I went through some really hardship times so was very pleased with getting some credit again. Their customer service is the best! I appreciate actually getting to talk to a real person!

We had no problem... with you at all. Keep what you are doing... Stay loyal.

Payment - Fast and secure!!!

So far dealing with Merrick Bank has been pleasurable.

I have no complaints about the user part of my credit card but I would like to not have a fee on top of the interest. Then I am paying interest on the fees. I appreciate the raised credit limit because it came in handy during a difficult time. Since I have made timely payments and usually pay more than the minimum payment I think that my credit score should be a bit higher to reflect that I do so.

This card was recommended to me by a family member. I've found that with bad credit, many banks are not willing to take a risk in someone trying to rebuild their credit. Merrick Bank gave me a chance to not only rebuild my credit, but to prove myself as a reformed credit risk. My credit score has increased since obtaining Merrick's card and they have surprised me multiple times by increasing my credit line without me having to ask. I would recommend this card as a great starter card to anyone looking for a second chance. The only thing I would change is the higher interest rate but, when you're a risk, you take the good with the bad!

Great rates and auto increases.

The man on the phone when I called about an e-mail I had received was wonderful.

I've only had to call one time about credit increase. My question was answered in a timely manner. The representative was very friendly, took care of all my concerns and we were done. I would recommend anyone to Merrick Bank. Good experience so far.