Merrick Bank Reviews

I called in because my card had been compromised. The issue has been resolved, however, I asked the rep when I called if there was a mechanism in place where it detect a purchase on the same day but different state it should of flagged it. I had to call.

I've spent the past 3+ years cleaning up my credit, no lawyers, no debt consolidation firms... just me. I received a pre-approval letter from Merrick Bank. I usually throw them away, but the opportunity to double my credit limit in only 6 months (with no late payments and paying at least your minimum balance). So I took a chance. I'm not so far along where I have been receiving low interest rates yet, but more people are trusting me with unsecured cards so I'm happy! I've had to call Merrick Bank quite a few times, including a charge dispute. I've always received very good customer service! One associate took the time to walk me through specifics as far as what information I'd need to support my dispute claim. This card is one I plan to keep. Especially since I could be eligible for another increase in a year!

Great experience. Merrick Bank has been an important part to rebuild my credit after divorce. The website is easy to use and I appreciate the GoScore so that I can keep track of my progress. My credit limit has been increased fairly and I have had no problems or issues working with this bank.

I am very pleased to report that my experience with Merrick Bank has been excellent! In my opinion, Merrick Bank takes a real interest in me, and when I need to speak with them they are courteous, knowledgeable, and more than helpful.

Great service. I would definitely recommend Merrick Bank. One future that stood out to me the most is how convenient your account information is through the app. Other creditors have long maintenance days which really limits you.

After going through bankruptcy I swear off credit cards for a couple years. I didn't want to do it Capital One because I had a bad experience a few years ago with their customer service. Before applying for my Merrick Account I checked out their website and how easy it would be to pay online. It is very very straightforward and they offered me free credit checking software. I am very happy with this bank.

Your employees are always polite as well as helpful. I enjoy talking to them and I am always able to ask a question and know that I will get an answer. I enjoy your availability. It is generous and I know that when I need you, I will find someone there.

Whenever I contact Merrick Bank for any reason... the problem is taken care of. I have only had problems with a couple of businesses charging me for something I did not want. I was told what to do and how Merrick would assist me.

The only improvement I'd like to see is that my transactions show up quicker on my mobile account app. Overall though I am very happy with my experience with Merrick Bank and have recommended you to friends. My wife and I both have accounts with you. My neighbor also financed his boat with you and is very satisfied as well.

I think Merrick Bank credit cards are great. I have had for over 5 years now. I just would like larger credit lines increases and more often. I have never had a late payment since I have had the card. Over 10 days.

Good. I went from credit line of $600 to $1200. I pay it faithfully. Can't wait to get a larger credit line so as I can replace my dentures and have pride in my smile again since I have no teeth. God's will.

I love how easy it is to navigate your website, to access my credit score, and I especially love the fact that you are helping facilitate my rebuilding of my credit. It was painful to lose my near-800 FICO score when the economy tanked, and my goal is to get back to that soon - with your help!

I am very grateful and happy for the confidence that I have had since. In 6 months they doubled my credit just as I had been promised when I made the application, and of course if I recommend to my friends. Everything is very well. Thank you.

I applied to Merrick for a credit card at a time that I was trying to rebuild my credit and improve my financial situation. It was most impressive that Merrick gradually added to my credit limit without my specifically requesting an increase and without requiring application or credit checks which could affect my credit score. The Merrick card I maintain in my wallet is a reminder to me that keeping a good relationship with a quality lender is worth its weight in gold.

Since being associated with Merrick Bank I have never experienced a bad moment with them. They are forthcoming with information and always willing to help.

Merrick Bank is outstanding card to have. I am grateful for Merrick Bank when I call customer service and representative are helpful and listen to any problems I may have. Keep up the good work with this card and customer service department.

I have experienced an excellent service and we have established a very good relationship throughout these years. Additionally, the customer service is knowledgeable and provide accurate details to resolve customer request. Thank you.

I would highly recommend anyone to obtain a credit card with Merrick Bank. Not only did they issue a card when I was trying to improve my credit score, they increased the limit often. I have never had to call customer service because I have never had a single problem. It is my absolute favorite card.

I posted a payment to my non-secured Merrick Bank Visa card on 2/21. The amount was debited from my bank account the following day. As of 2/24, the payment amount is still not shown as available credit. I called customer service and the agent claimed the funds would not be available until the 27th. He explained that the amount was put on hold because it was higher than my normal payment amount and that they needed to make sure the funds were available. I replied that if the funds were not available, they would not have been debited two days ago.

Merrick Bank's credit card that I have is of great service to me. I use it regularly to cover expenses on my daily commute to work. I have personally never had any issues with the purchases I've made. I also like the quick and easy app. It lets me make payments easily and they post payments fast. Also gives fair credit increases!

Not happy with Merrick Bank. I had a car repair shop swindling us for $3000. I disputed with you and provided extensive documentation. Your Manager was rude to my husband and you did not send my case to arbitration, as contract I signed with you requires. My Capital One and Fidelity Investments Visa refunded me the money he charged to those accounts. This is the reason why I try to no longer use this credit card to avoid being ripped again. Not a trustworthy Bank.

Good card. I have been treated fairly and have achieved a CLI. Paying your bill online is easy and free and I haven't had a single issue with this card. I have never had a reason to call the customer service line, so I cannot rate the customer service experience.

I am pleased with my relationship with Merrick and I am happy with the courteous and helpful staff that I have dealt with. I would recommend Merrick to anyone! Those I have dealt with are courteous, well informed and they bend over backwards to help when I have needed it.

100% of all interactions with Merrick Bank's Customer Service Representatives have truly been World Class Service. Great attitudes along with Resolutions to any of my inquiries and needs!! Thank you Merrick Bank for the opportunity to be a valued Cardholder Member!!!

Whenever I call and have a questions, I get a live person on the phone rather quickly. The person is always very professional, courteous and well-informed. I enjoy working with Merrick Bank despite the high interest rates.

They are a scam company promising a double your limit in six months if you make the payments on time. They don't take the money when you make a payment. They wait four to five days then slick talk you and don't give you the double your limit offer. To hell with Merrick Bank!!!

I found several charges that I did not make. They were rude initially and then said they would cancel my card, send a new one, and submit a dispute. I asked them if I needed to contact the merchant. They said, no, they would take care of it and yet the charges have not been removed. This is ridiculous. Other credit card companies would remove them right away or at least within the billing cycle, but this has not happened. This is very poor customer service. I understand that I had issues with my credit but it doesn't mean that I should be treated like this. Bad business, Merrick Bank. If it would not negatively impact my credit, I would close this account.

This bank gave me a credit card when I had not so good credit. Thankful for that but after 2 years of on time payments and they continued to increase my credit limit when I asked them not to. I called to ask for a reduced APR interest rate as I always paid my bill on time. They declined me my request. I will be closing my account. Interest rate of 28%. Outrageous!

I have had nothing but positive experiences with Merrick Bank since I became a credit card holder. The one time, I had to contact customer service, my issue was handled promptly and efficiently and all of my questions were answered. Any information I have needed I have been able to find on the Merrick Bank website. I also received my first credit limit increase right around the holidays, which couldn't have come at a better time.

Security block placed on my account without telling me. I then go to use the card and it was declined. EMBARRASSING! They couldn't have given me a courtesy call to let me know first? Just block the card and let me find out at the register. CRAPPY customer service! Canceled immediately after being a member for 5 years.

Hi, Merrick Bank has been great with my personal needs and flexibility. I really appreciate how they have given trust in my finances over the years and I will continue to do business with them. Thanks.

They have done everything that they said they would do when I applied for the account. Increased my credit limit in the time frame promised, has a secure and easy to use website, and I love, love, love their go score feature that gives you an updated FICO score once a month.

I believe Merrick Bank to be a fair and honest company. I have had no "surprises" with this card. Merrick Bank is also a great tool to have when you are trying to rebuild your credit score. I definitely recommend this company. Thank you Merrick Bank. Customer for life.

Merrick bank has been an amazing card for. With a lower credit score, Merrick bank started me with a $700 limit and after I made 6 payments without being late, they automatically raised it to $1400. Thank you Merrick Bank!

I have no problem with the assistance I received. My problem was with your internet site. You only allow two choices for monthly payment - minimum or account balance. You should be able to pay something between the two without going thru the changes you have to - first cancelling the min then entering the amount you want to pay. Your internet site is not that clear for us old-timers who are not computer savvy.

Called to get update on some fraud activity after 2.5 weeks, the gal I spoke with was very careless, not helpful, and I was honestly going to cancel the card just because of how horrible the customer service is. Very scripted, there are a lot of card companies out there... I'd apply elsewhere.

Merrick Bank is Top 1 of 100. The service is awesome and I would recommend them to all my family and friends. I've never been more satisfied with a banking institution and the way customers are treated. The online service is user-friendly and they always have someone to assist you.

I have been mostly satisfied with my dealings with Merrick Bank. I love the online banking. I was happy with the credit increase. The reason I will be cancelling my card is that when I called to have my annual fee waived I was told that it could not be done. That is very disappointing. I understand when I applied for the card my credit was questionable. But since I have had it I believe I have proven that I am not such a high risk.

My experience with Merrick Bank has been very good and straightforward. Limit on the credit card is fair (interest rate could be lower) and billings and payments have been timely and credited quickly. Thank you.

I'm still waiting for the charge dispute to be settled (3 separate charges from the same company). I was told I would receive a call from Merrick but I'm still waiting. Hopefully things will be fixed soon.

I only have a Credit Card with this Financial Institution and I am very happy with it and with the service I am getting. I have no doubt to recommend it to few people around me. Hopefully in the near future I can get involved with more benefits and service with this bank.

Very poor dispute policy and online statements -- After finding two fraudulent charges on my account I called to dispute them. They canceled my card and sent me a new one but will only tell me that disputes take 30 to 60 days to appear on my account. There are no updates and my online statement shows nothing in dispute after two weeks. I have never had a bank not take immediate action and at least show items that are in dispute. In addition, the online statement shows no new charges yet my balance keeps going up without explanation. Call to Customer Service are of no help. Very bad business!

I ran into some credit issues after the economy crash of 2008. It really affected me and my family. Merrick Bank was there to give me another chance at rebuilding my credit, and for that I am very appreciative. My credit score is back on the rise, and I am very hopeful at starting my own business soon. I would certainly recommend Merrick Bank to others.

The only suggestion I have is to add pending transactions to the online Banking. I bill out of pocket expenses and sometimes I would like to verify the amounts before they officially post so that I can bill these expenses.

The most important values I look for in a credit card company is courtesy, empathy, understanding and a professional attribute that isn't stern and unshakable. Merrick has these values, and I would give up all my cards and just keep Merrick.

I was forced into bankruptcy over a year ago and Merrick Bank gave me the opportunity to rebuild my credit. I am on social security and this card has allowed me to get emergency purchases. After making payments for 8 months, I was given an increase to my credit as was promised. I would recommend Merrick Bank to anyone who needs to rebuild credit.

I would have complete peace of mind recommending Merrick Bank to any friend of mine. The credit offer extended to me (I am trying to repair a credit rating that suffered a major setback in the past ten years) was a credit limit of $1,400 that would double to $2,800 if I made all my payments on time for ten billing cycles. They were true to their word and my "on-time" payment history has been useful in helping my credit scores go over 700 for the first time in my life.

I have several credit cards but Merrick bank has by far exceeded the rest. The things that stand out the most is: posting time. I have some cards that will only let me pay the bill on the due date and another that doesn't post to my account for 5 days. Merrick is far better than the others and I would refer them to others. We are in the process of eliminating other cards we have but we are keeping this one.

I was a wife with no control of finances or in reality life. Merrick gave me an offer to begin building my credit and I took it. I'm so happy to say that my credit score has improved greatly and I finally feel like I can successfully manage my life and credit. Thank you for giving me that ability...

I have never had any bad experiences with Merrick. Love the Merrick Bank app... Makes it easy to review my account, pay my bill, edit payments, and speak with someone if I have any questions regarding my account. My credit line was doubled after 7 months since I made on time payments.

Called in regards to a hack of another credit card to "Freeze" this account for a 2-week span to allow "Clearing of any possible charges" that might be pending, not legitimate of my purchases. The customer care Representative was very polite and thorough in confirming and locking the card. As well as the representative that re-established the card's activity.

Overall, my experience has been "fine." Not great, not outstanding, not exceptional. You provide a card, I use it occasionally. The billing seems accurate. That's about it. Your website is really fairly rudimentary and seems to be a decade behind your competitors. For example, I can't see pending transactions on my account, only charges that have been actually posted. I don't use your card when I travel out of the country because you have a foreign transaction fee, and I have another card that doesn't, so they win. I have other cards that give me between 1% and 2% cash back on purchases. You don't. Once again, they win.

I am very pleased with my experience with Merrick Bank. No complaints at all. I do wish however they would reward excellent use/payment history with an offer to reduce the interest rate. Thank you!

I love the fact that I can see my credit score once a month without having to go to a separate site. Also without asking my credit limit was raised because of repeated on time payments.

I am grateful that Merrick Bank has seen my record in using my credit card and extended me additional credit along the way. The website is very easy to use and when calling to speak to someone they are always courteous and helpful.

You people gave me a chance to prove I am credit worthy, I am always on time and ahead of time and ALWAYS pay more than minimum payment. You trust me with your money and I will never forget your bank. Thank You All Again, a customer for life.

Merrick Bank is by far the easiest to work with. They are completely customer centered. I never thought I would give positive feedback for any bank. But I am very pleased. They give rewards without asking for them, and they keep a close eye on transactions to make sure your account is secure. Top notch guys! Bravo!

I have had my Merrick account for a few months. I got a call yesterday stating that there may have been fraudulent charges on my account. After talking about this with the representative, I discovered that the charges were in fact, fraudulent. They canceled my card and now they are freezing my account. I made one simple request. I wanted a statement so I could investigate the charges on my account. The website doesn't show pending charges. The rep was annoyed that I made this request. He literally stated, "Sir, I'm telling you what the charges are." Understandably, I want to see the charges for myself. I requested they mail me a statement of some kind showing all the charges on the account since the last time the horrible out of date website posted a charge. He acted as though I had asked for the moon and I was told I could not get that. After going back and forth with this guy for 10 minutes about why I wanted it, I decided to end the call.

Ok we have been continuously charged with fees. The last one was a late fee $38 which would be ok if my payment was late but it was due on Jan 11th. It was paid on January 11 and then a few days later I was charged the late fee.

Paid my bill off in full... got a $4 service fee. When calling I asked about the fee, and about reducing the interest rate as I've been a card holder for almost 2 years and have never been late. The response from them was paper fee... although there was no bill for them to send out a paper fee for. And they said if I didn't want to pay the interest rate they could close my account. Asked them "you would rather close a good customer account than reduce the interest?" They responded yes.

New customer here. Visa Platinum (not a secured card). I was getting close to my limit so I made a $350 payment online. After 4 business days the money had been taken out of my bank account, the payment had been posted on my card, the balance on the card reflected my payment but I'm showing $0.00 Available credit. I called customer service (since they have no way of contacting them online) and was told that there was a hold and the funds wouldn't be available for two more days, with no reason given. Sorry, but this is unacceptable. And honestly it's really as simple as that. I didn't go over my limit, didn't make any weird out of county purchases, I just made a payment prior to the actual due date because I was getting close to my limit. And for that, for being responsible, I'm punished with hold on the funds that I sent them. Well off to file a complaint with the Consumer Financial Protection Bureau.

I opened an acct. (secured) with these yahoos 3 yrs ago, used the card every month, made PERFECT payments for 3 yrs straight. Never once did they ever offer me a thing, no appreciation at all. I closed the acct. owing them $3.00, so they wanted to charge me an additional $15.00 to close my acct. and then another $3.00 out of my secured $200.00 I opened it with. I closed it and would never again deal with such thieves. Save yourself the headache. Look at other or different cards that at least are glad to have your business.

Your representative was professional and pleasant but we failed to state the fact that the "chip" on my card not only failed today but frequently fails and in Ohio many of the credit machines will not let a chip card be swiped so we would like a replacement card. Thank you.

I appreciated the clear directions, and patience that the support person gave me, and additional time he took in making sure that I understood the process that was needed to make telephone payments. It's not always easy for me to jump into the new automated way of doing things - and I didn't feel at all judged for my slow way of understanding the changes Merrick Bank instituted.

MERRICK BANK has provided me the opportunity to rebuild my credit history as I have had a series of catastrophic setbacks over the past few years, placing my credit history in a much worse position than it was. MERRICK's incredibly friendly, professional and accessible customer service is truly noteworthy. I highly recommend MERRICK to anyone, poor credit or not, to give this outstanding company an opportunity to help them.

When no one else would extend credit to me, you did. Now that I have rebuilt my credit and have many cards with your help, I stay loyal to Merrick although the credit limit is half of what the others are. Thank you!

Merrick has been an awesome partner in helping me to rebuild my credit. The interest rate is high yet comparable to similar products but there are no annual fees and I don't get hit with miscellaneous fees. Merrick's customer is great and best of all they offer to increase my credit limit automatically, if I agree, based on my handling of my account. Merrick is a great company to help you rebuild your credit!

Fairly timed credit limit raises. I have been with you for over a year and a half. I am never late and always pay large amounts. I believe I should be at a higher credit limit already. But thank you for what you've given me.

I've had this card for a short while but has had good customer service and no issues with anything. I will tell anyone with not perfect credit that this company doesn't kill you with high interest rate.

But we are making a great offer to people. That really true. When I received my letter we said if I never late we will double my credit limit. And I received it, thank you. We are a great company.

I like the auto limit increase best. Not very pleased with the rate or I would have given you a five star rating. Would be very pleased with a periodic rate decrease as credit factors improve. I think your customers would be very impressed with that.

Overall am pleased with Merrick bank. The only issue I had was while shopping on Black Friday and being able to charge only 15 times in 24 hours on Black Friday. I understand setting limits, but seems like there would be special circumstances on certain dates.

I had a problem with a vendor where I bought something and it was not how it was described and the company refuse to take it back because they have a no return policy. I contacted Merrick Customer service and the rep was nasty. I am not sure if she could have helped me but she was rude and nasty. It was not worth fighting. I have been working with CapitalOne for years and never had a rude rep.

Wish you would send an email when payment has been processed. I've made payments and they went somewhere and tried using card and it was declined because payment wasn't processed yet. Be nice to know when it went through so we would know when it's alright to use card.

Absolutely fantastic service! Anytime I call in with any type of question, everyone I speak with is friendly, helpful and so very pleasant... THANK YOU!!! I'm so glad you asked me for my feedback because I think it's important for folks to know when they are doing a GREAT JOB!!! Thank you again, everything with your company has been a wonderful experience and I greatly appreciate your attention to your customers and the service you provide - just outstanding!

Merrick Bank has been an excellent card for rebuilding my credit. I was forced to file a bankruptcy due to overwhelming medical bills that were a result of an unexpected life threatening illness. I've been able to reestablish my credit and slowly improve my credit score with the help of Merrick. Highly Recommend this card! Thank You Merrick!

I have had nothing but good customer service with Merrick Bank from the beginning. I applied for this card to help rebuild my credit from years of bad financial choices and they took a chance on me and have increased my credit limit each year to more than 500% of the original limit.

From the opening of my account through the present I have always had a pleasurable experience with everyone concerning my account with Merrick Bank. Every aspect with my account has always been above board with no hidden surprises and I am thankful that my business is appreciated by them.

Very difficult to get resolution on my balance outstanding for disputed items on my stolen card since Thanksgiving. I call their customer help line and they don't respond. I am very unhappy as a consumer that it takes too long especially for me to be responsible for over $1000 worth of charges that I have to make payments on even though it's not my charges.

Your customer service is the BEST! Each time I've called, the agent has been knowledgeable & upbeat! I was referred w/ no prob. New contact knew what I was calling about so I didn't have to repeat! Very customer oriented! Quite refreshing!

I have been a client with Merrick bank for going on 3 years. I am satisfied with their service. I am happy for the start this company gave me and all the tools they afford you to stay on track with your credit. I only wish they gave credit increases every 6 months instead of each year.

I love this company. I've had no issues with them and I like how I'm able to make my payments over the phone. Due to my financial struggles in the past, I was worried I would end up with a high interest rate credit card. Not the case with Merrick Bank.

Due to a death in my family trying to stay up with the bills caused my credit to take a real hit. Merrick has helped me rebuild my credit. My score has continued to move up, and I'm grateful Merrick was willing to assist me in being a part of my success.

I am satisfied with Merrick. I had to have some cash in an emergency situation and was able to get it on the card. I did not realize there was a $10 fee each time I used the card to get cash.

All of my interaction has been thru the bank's website. This website is very old fashioned and not easy to use. After the site failed to credit a payment I have made all payments to Merrick thru another bank (one with a working website). I also have not increased my use of Merrick as I had originally anticipated. The site has also periodically refused me entry due to "insecure browser". My browsers are the latest and totally updated versions of Chrome and MS Edge and are in no way insecure. When this first happened, probably about a year ago, I called Merrick's customer service and received no satisfaction. This message reappeared last month, once again preventing me from viewing my account. As I use my Merrick card sparingly, I was able to make the proper payment "blind" and no harm was done. In short, the website is badly outdated and not fit for purpose.

I was notified back in early November that my card had be used in fraudulent activity. Which was a great preemptive move. You cancelled my original card and reissued a new card. However, we discover a fraudulent charge of $159 from Zoro Tolls was on my account. I have tried almost a dozen times to get this resolved and removed from my account. Each time it's some other issue. It was to be concluded within 30 days. That time came and went. Then it was two business cycles which has now come and gone. I still haven't gotten this resolved. Poor customer service and follow up. Please advise when this can be "Finally" removed from my account. Be well.

I think this is a good card to rebuild credit. They also give you a raise in credit once they see you are paying on time for 6 months. Would like the app on smart devices to be easier to navigate. Overall good experience!

Something seems off about this company. I pay more than the minimum payment... Yet the company will deny purchases. Rude employees and always an issue with the online bill payment. Most of the positive reviews are done by the employers and employees. One of the worst cards yet. Beware...

I had 2 disputed charges on my account. I had been charged for a free trial after I closed my account. I contacted the Claims Dept. at Merrick Bank after talking to the company that charged me. Merrick contacted the company and never got a response so they refunded my credit card. I was extremely happy with the service!

I like that credit card. Very professional whenever you have anything that help you with no time. And anytime when am talking to them in the phone it's like talking to a family. Thank you for your good service. What I like the most not only the service but everything.

Customer service reps I've dealt with in the past have not been helpful and have been very rude and short when dealing with me and have not been helpful. I would not recommend this card. I do plan on closing the card in July of 2017.

I am happy with Merrick Bank and thankful that they offered me credit and then extended my line with good payment history. The web site is easy to use and the payment options and set up are user friendly interface. THANKS Merrick.

I find your automated phone payments and website to be easy and problem free as compared with others. I have had good luck when calling a representative for questions and/or to resolve problems with very little to no frustration. Just wish that interest was lower.

Did just what they promised when I opened my account. I keep all my payments on time, and when I had 7 payments on time my limit doubled without my asking them. They helped me improve my credit a lot, and I thank them for that. I would tell anyone Merrick Bank is a very good place to get credit.

I am getting charged 50.00 a month as a service charge even though I pay more than the minimum each month. This is absolutely deplorable and I am going to pay off this card asap and never do business with them again.

I am more than happy with my association with Merrick Bank. There have been no problems at all. After 6 mos of on-time payments they doubled my credit limit without my requesting an increase. My payments have been posted promptly. When my dog chewed the card, I reported it to Merrick and received a new card within 5 days, very good customer service.

My Merrick Bank credit card was easy to get a few years ago when my credit wasn't so good (because of inability to pay student loan payments), and it helped build my credit to the good rating that it is now. The problem is that they eventually force you to pay a monthly fee to keep the card. I have other credit cards where you pay the yearly fee, but for a good reason - perks. AMEX has points you can earn, or airline cards give you airline perks; Merrick bank has nothing. I would close my account but that would hurt my age of credit which would also hurt my credit score. So I am forced to pay $70+ per year for a worthless card.

Great card to have when starting to get your credit back on track. They raise your credit line when they think you have earned it and not just give you any credit line which can hurt you. I would recommend this card to family and friends.

Merrick Bank has been absolutely marvelous in any and all of our dealings with them (my wife has a separate account with them). We have found them to be fair, courteous and patient with us each and every time we have had to phone them for assistance or advice. Thank goodness that we have not had to contact them requesting an extension for a monthly payment or similar problem but we trust that they would handle that problem and solution with the same care and concern they have provided to us thus far in our relationship.

I only have a credit card with Merrick currently and don't have any issues with that. In fact I love that they review my account and will raise my credit limit occasionally. However, Merrick Bank needs to seriously update their mobile app!! If they want to keep their customers happy, they should realize that keeping their technical up to date is a great way to accomplish that. The app has not worked for me in several months and it's irritating and inconvenient.

Have had this card for 10 months. The offer they sent to me said they would double my limit after 7 months and THEY DID. I pay off my balance each month so I have never had to call into their customer service dept, so not sure how they are. I would recommend this bank to anyone who is rebuilding their credit.

I love the establishment. I have never had any issues or concerns with the company or my credit card. I will continue to refer others to this banking establishment. I receive notifications in a timely manner and transactions and payments post accordingly without any problems.

I have been a customer for over 5 years. I have not had any issues that have made me want to leave. I have seen regular CL increases (never asked). I would definitely recommend Merrick Bank to anyone looking to build a strong credit history.

I really like Merrick Bank. They offer great resources and always give me credit limit increase. I would like to see them move away from annual and monthly fees for those consumers that have shown financial responsibility.

Great card overall. Only cons could give credit increases takes longer than expected than other credit cards I have. Also, like the app - more accessible to options like the desktop full site has. Haven't had any major issues. Great card.

I have been with this bank for five plus years. They have always been fair and very prompt with their respond. I had some financial issues and they were willing to trust me so I could establish my credit again by giving me a card. So I would recommend this company to anyone.

While I liked the fact that my limit was doubled after 6 months, I did NOT appreciate having my card put on hold after forgetting a payment 8 months into having it. Where was the reminder or courtesy call, email or text?

Merrick Bank has fulfilled every aspect they proclaimed when I first signed up. They have doubled my credit limit exactly when they said. The monthly rewards are helpful. Customer service has been gracious and helpful when I have called. My overall opinion Merrick is very high and I will continue on and tell friends to consider accounts through them. Thanks again.

I opened my account a few years ago, and while the interest rate is higher than other companies (rightfully so), they continually review my account and increase my credit line accordingly. This is significant when building and/or repairing your credit. I financially backed a failed business and as a result, my score dropped drastically. Thanks in part to Merrick, I back on my feet.

Merrick is a very unique bank. It is a pleasure dealing with them. I have dealt with other banks over the years, but Merrick Bank is definitely one step above. I guarantee that you will be as pleased with them as much as I am.

I attempted to make a charge at Princess Cruises on my Merrick Credit Card for $1000.00. It was declined. I checked my balance and had available credit to cover that transaction amount. When I called Merrick Bank, the CSR was very helpful but could not give me an explanation for the decline after the credit card number and the security code were verified. The CSR then suggested that I call the vendor because it was obviously their error. I went back to Princess Cruises and used a different credit card and the charge went through. I have used credit cards in the past and declines are not usually the fault of the vendor. Frustrating that I can't use the credit card for the transactions I want to use them for when Merrick Back gives me the credit but then decides what they will approve and what they won't.

I feel as though Merrick Bank provides an excellent customer service experience. I feel valued as a customer, particularly as over time with good payment history they have rewarded me with increased credit limits, showing they value me and recognize my efforts to build a good credit record.

Sent in my deposit of $300, waited a few weeks, received the card, did not use the card too much just on minor things, the card comes with their $36 fee already charged to it. Well I was in a bit of a bind and charged my cellphone bill to it which consumed most of the balance. Well here they go and charge off my account and kept my deposit of $300, and now a collection agency that they own is collecting $299.02 from me. I call Merrick Bank to find out where my deposit is and no one can tell me.

I call your customer service to see if I can renegotiate for new rates. I pay on time and extra. I was not only treated rudely but made to feel stupid. When I signed up for your card I was not told about the outrageous signing fees. Your bank needs to learn how to treat people.

Merrick Bank seems to be a ripoff. It was ok at first, but after we went on vacation last year, and I used the card, my available credit is low, and every time, I make a payment (recurring), even though I have a positive available and don't use it, I end up back in negative. On the recurring payment, there are only 2 options. Minimum payment or statement balance. Most companies at least allow you to choose the amount of recurring payment. Why not Merrick. I believe it is a scam to keep poor people in debt to them. Someone should investigate to find if what they are doing is ethical as well as legal.

I am very please with Merrick Credit Card. They started me out with initial credit of 700 with the promise of increase to 1400 after 6 months of on time payments and have regularly increased my limit without me having to ask them. All of my other cards I have to call to get an increase. I really like this time of customer service. Thank you Merrick Bank.

Well yeah it's real easy to get a card from these guys but they will completely clobber you on fees such as their new one of 6 dollars a month just for nothing. I already pay an annual fee higher than most. Then it's super high interest that you'll never pay off so don't get caught in this trap folks. I'm paying mine off. Thank God I don't owe much. Then I'm cancelling this trap of a card. These people are getting stinking rich off the little guys back... Beware something too good to be true usually is.

Merrick Bank has been a asset to helping me restore my credit. I truly appreciate the professional and courteous treatment rec'd from representatives whenever I have to call. Thank you Merrick Bank for believing in me and giving me a chance to prove that I am credit worthy...

I would rate overall experience with Merrick as positive. Great website, intelligent live agents who spoke clear English. The Interest rates should decrease, limits increase, and annual fees (if any) removed, as customer's credit worthiness increases. The only reason I will be closing this account with my increased credit scores and income I am able to get half the APR% with 4 times the limit.

I have been a Merrick customer for over 2 years. My new card was lost in the mail. Customer Service was excellent and my new card was cancelled immediately, and a replacement was sent and received within 5 business days. Payments post quickly. Though interest is high, they gave me a chance to prove I was credit worthy. Merrick bank has gone above and beyond my expectations!!

First off, these people overcharge me and said I was late on my payment, yet they cashed my payment 3 days before the due date. In addition they wanted me to get a copy of the money order to show them when they cashed it. However, I could not obtain one because it cost $18.00 that I did not have. Moreover, they have now received another payment which took them a full 8 days to get which is dumb because the mailing address is listed right here in the U.S.A. It should not take that long for them to receive nor process my payment in a timely fashion. Their reps will argue with you and give you the runaround. Does anyone from this company actually listen to their call logs? Is anyone going to seriously address my issues? I doubt it.

I have been pleased with Merrick Bank as they provided an increase after six months. I believe that after six months of be consistent in payments that more credit cards companies would increase the credit limit. More individuals would utilize credit. The Merrick rewards card holders by allowing them a increase as long as they are making their payments in a timely manner. I would recommend Merrick Bank.

I had the credit card for over two years. Never had a late payment nor have I been over my limit. I thought I paid my account in full back in September to only find out I still owed 132.00. I encountered a late of 27.00. I immediately called Merrick Bank to ask for the fee to waived and that payment will be sent in on Monday. I tried to use my card to only find that they had disabled my card for a past due balance of 35.00.

Great card. They gave me a chance to rebuild my credit. After 8 months of paying on time, they automatically raised my limit. I always pay online and have never had any problems with the website. Yes there are annual fees, but that's to be expected when you have bad credit.

Good but could use improvement. Simple is better when it comes to websites, and theirs could use some work. Also it's great to be rewarded with a credit limit increase, but decreased interest rate is what would make me use the card more.

I've been a card holder with Merrick Bank for over five years and up till now I had no complaints. I recently paid $1600 towards my account which has a credit limit of $2900 and they still declined transactions and when I call and inquiry on why - they cannot give me a solid reason. And the representatives are rude as hell. Needless to say I will not be doing business with them anymore.

I called in the other night to make a payment and the automated system said it recognized my account based on my ph# but it was giving me the old account #s last 4 digits. And it kept transferring me to an agent. The 1st agent said that she would have to charge me a few to make a payment and I explained that I wasn't pushing the option to speak to an agent that it just transferred me on its own, so she said she would transfer me to the machine again. The machine did the same thing as before, the machine said it recognized my acct from the phone I calling from and then it told me the wrong last 4 numbers of my acct, and then it would transfer me to an agent.

Very helpful and understanding. I accidentally made two payments within the same month and they helped me correct it. I didn't want this to affect my payment history. I always pay early, but paid a little too early this time.

I had a Merrick Bank VISA credit card and it was in good standing--always paid on time. 3 years ago my purse was stolen and the card (of course) was in my purse. I notified Merrick Bank--they didn't refund $150 stolen on my card but they did put a block on it. The account stayed open so I continued to pay it. In August I made the final payment and my balance was 0.00. Merrick Bank refused to close the account even though I don't have a credit associated with the account. The Bank continues to charge me annual fee for a account that is dead. I have talked to them and they refuse to close out my account. I believe this is ILLEGAL!

I have had a card with Merrick for at least 5 years. Never been late or over the limit. I called and asked if I could get my interest rate lowered. They refused to even discuss it. They said they DO NOT negotiate interest rates. I don't understand their policy at all. As soon as I pay them off I will cancel and move to a more consumer-friendly card.

I love this bank. They have been good to me ever since my account opened. Their customer service is top notch in my book! They have raised my credit score and have increased my credit several times. Thank you Merrick for all you have done for me.

This card has been a lifesaver since my credit was not good enough for a different card. It has helped me raise my credit and have received increases. Get the card pay every month and no problems!!! Have NEVER had to use customer service.

The only issue I have is that I would like to make payments with my debit or PayPal card on your website. But I cannot add a card to the site for payment which is very inconvenient!

Excellent experience with Merrick. This bank helped me greatly to start reestablishing my credit after a family illness devastated our finances. To date, I continue to make progress. Merrick also continues to provide quality service I very much appreciate.

I applied for the credit card through Credit Karma and they were true to their word that if I paid on time for 7 consecutive months that I would get an increase and I did where through Capital One they did NOT remain true to their word.

I have never had any issues with Merrick Bank. The only thing was that they were slow with reporting the increase in my credit limit to the bureaus. Once I submitted a request for them to update my credit limit with the credit bureaus, they did so quickly.

Merrick has given me a chance to establish credit in my name. It has been a great experience for me. I have been able to purchase several items. I use their online payment app. It is so easy to use Merrick. Also gives email alerts. Very satisfied.

Merrick Bank gave me credit when I was having a tough time in my life. They did what they said they would and I want to thank them for being there.

Merrick Bank gave us credit when we needed it. We built a trust together over the past year and they increased our credit line. We have not used credit cards in over 30 years until recently. Companies like Merrick will make it possible for us to establish a credit history. Thus, enabling us to buy a car in the near future.

Have been a customer for a long time and they have always delivered. Love this bank. They get me a chance when no one else would and gave me the opportunity to rebuild my credit.

I enjoy the online process for making payments. It’s super fast and your account is ready to go again. Also appreciate the 6 month reward of doubling credit line. So far so good! Thought: any reward program in the works? Maybe toward gas or etc??? Thank you...

I must say that I am not a real fan of the necessary evil known as credit cards but I have been a Merrick Bank customer for a long time and have experienced nothing short of True Excellence.

This site is impossible to sign in. I keep having to just pay my bill online. I also have a huge interest rate. I received an email regarding my acct (which is paid off) and of course, I can't open it either.

Merrick Bank offered me credit after tough financial times due to my wife's illness. She had four major surgeries and medicine that was so expensive that we just could not handle...thus Bankruptcy. Merrick still offered me credit and has been willing to move my credit limit up, helping me regain positive credit scores and reports with all three reporting companies. The interest rate isn't the lowest out there but the fact that they would even offer me credit is outstanding. Easy to work with as well. Big A+ for Merrick.

I only have a Merrick Bank credit card, but it's great. They gave me a line when I first started trying to re-establish my poor credit, I can use it anywhere, and the online tool and features are easy to use.

I enjoy having my Merrick Bank Credit Card. It's been great to have when I needed it and it's helping me build my credit score. I have had no negative issues so far and I like the fact that they recognize me as a loyal customer. They doubled my credit line and I appreciate that I will continue doing business with them as long as business is good and I would recommend them to Family and Friends.

Merrick Bank has been a excellent credit card provider. Their website is easy to access and use and provides all information I need. Customer service when I have needed to use it has been knowledgeable and friendly. No complaints!

We had just been out of bankruptcy for a couple of years and they granted us a credit line. We have increased our credit score from around 550 to 731 during the past two years as a result of Merrick providing us credit.

Your website is very user-friendly. You can obtain all the information about your account very promptly. Your customer support are very knowledgeable and are prompt to help you with anything you need. They are always in a pleasant mood and very friendly.

I like the credit card overall and the website is OK. However, Merrick bank needs to create a system so customers can email them with problems, questions, concerns, etc... I don't like waiting on the phone and would rather email.