Merrick Bank Reviews

Good company to do business with. Increased my credit line as promised without having to ask for it.

Can NEVER get right into the website, have to call customer service and tell them I'm locked out again. Nothing changes, I have my password saved to my computer, so there SHOULD not be any problems. I just QUIT using the website. Other than that, the bank is GREAT.

They treated me like I had millions in their bank. They were very knowledgeable about finances that I asked questions about. I feel very confident that they have my best interests considered.

I do not remember any contact with you in recent times. I have no complaints with your card, how I am treated, nor any other negative comments. I just wanted you to be aware of this situation in case someone other than myself is trying to access information about the account or myself. Best wishes.

I have nothing but good things to say about Merrick Bank. I was offered a card with $550 limit in March 2015. My letter stated that as long as I made my payments ON TIME, my limit would be raised to $1100 in 6 months. And that is what happened, no questions ask. Around the beginning of November 2015 my limit was raised. Thank you for helping me to improve my credit history!

Customer service representatives are very professional and courteous! They are always willing to answer questions and assist in any way that they can. Thank you.

My only complaint is that I was charged a late fee for a payment that was post marked before my due date. In fairness, I probably should have sent it out a few days earlier. Other than that one incident, everything has been fair and straightforward.

Merrick Bank offers exceptional services to their customers. They are polite and friendly over the phone and the web services are very easy to use.

This is the best card to re-establish your credit. I started out with $700.00 then added another $300.00. Making timely payments Merrick Card added to my initial deposit more and more and increased my credit line. Very happy with the mobile app as well. Overall I have recommend this card to several of my friends and family.

I was generally happy with Merrick Bank. I asked for a certain Credit Line, and I received it. Payments were made easily online. I didn't get bombarded with phone calls or emails from Merrick, which is always a plus. Lastly, it's a nice touch that I could design my own credit card style. Now that I've paid off my balance, I'll still keep my account open.

They raised my credit limit for paying on time for 6 months. I really appreciated it and got a lot of cool stuff. It came just in time because I was able to buy groceries with it. I got a few fun things too. They have really helped me relax. The adult coloring books are the new craze. I was able to get a few of those. Thanks for rewarding me. :)

Excellent service. Gave me a chance to restore my credit which I deeply appreciate. Merrick Bank is fabulous.

Have had the card since April of this year. Have had no problems whatsoever. Customer service has been good, quick to answer any question I have had. Came through with the credit line increase after seven months just like they said they would. No complaints. Good experience...

I had an earlier dispute with unauthorized charges to my acct. in the way of $350.00 dollars. When it was brought to my attention, you (Merrick) went through the proper channels and obviously found the fraud. Out of the $350.00 dollars of bogus charges you found your way clear to refund me $310.00 dollars. When I called to inquire, I was told the case was still open, it has been months since then, and I was wondering if I was going to be credited the $40.00 dollars still out with that bogus charge. I was told I wouldn't have to pay for fraud, thank you, however, I'm still waiting for the full amount refunded.

Merrick Bank has been wonderful to work with. They have gave us a sense of trust in building our credit. I would recommend them to anyone who needs help building their credit.

So far I've been very pleased with Merrick's service. I like that you offer other opportunities such as a gas card and Walmart card, which makes shopping and paying more convenient. I've also found Customer Service agents courteous and knowledgeable.

I have had my credit card issued by Merrick Bank since March and so far I have not had any problems. I pay my bill every month religiously. My credit limit was raised and it has helped my family and me tremendously. I strongly recommend this bank/card. Thank you!

I appreciate the fact that you don't continually send advertised specials. A lot of Bank Cards send promotional spam almost on a daily basis. That shows me that they promote excessive spending on unneeded items paying with their Bank Card.

I have had a friendly professional relationship with Merrick Bank.

Yes it is a good bank.

I am very pleased with Merrick Bank.

Best credit card company ever. Consistent; fair; never any billing problems; real people that answer the phone in customer service; never a bad experience in 10+ years. Better than American Express.

I have never had a problem with Merrick Bank. If you make your payments on time you are treated fairly and do not receive late payments.

The site is easy to navigate.

This is a company when you exercise your rights under the law they just go and cancel your account to get even.

I have used the Merrick Bank Credit card when needed and paid it off fairly quickly so as not to incur a lot of interest because the interest they charge is very high (20%+). I used it in an emergency and keep it open in case of another emergency or if I need a quick transaction and I don't have another source of credit at my disposal. I needed a credit source after my bankruptcy and they were willing to provide me one.

Always great customer service. Polite and efficient. Auto service is also quick and easy!

I feeling glad because you trust me and increase my amount in my credit card. Thanks for give more chance to buy all that I need. I keep my best record with your bank. I don't know if a future the bank increase more to my credit card amount. Thanks and best regards.

All of my questions have been answered in a friendly and courteous manner.

Very happy with all aspects of my relationship with Merrick Bank, especially the website and would recommend to friends. Thank you.

Outstanding, superb, most professional in all respects. Thank you!

Someone stole my credit card information and made various charges (351.88). I submitted paperwork that was sent to me for a lesser amount due to lack of data on 10/16/15. Today I received my electronic statement showing the additional charges. I would greatly appreciate it if someone phone me solve this.

Called to resolve an issue over a $1 discrepancy. Took 30 minutes and 3 representatives. These people are obviously TOLD to NOT provide service to customers. All three were able to close a 10 year account but, not credit the account $1. This is definitely not a cost effective way of doing business. What is the call center doing to the customers and Merrick Bank?

My account was closed after I had it less than a month because when I tried to pay my first bill via an established account they said it was not permitted. Merrick Bank customer service told me as long as I had a routing number with the account it would be ok. Then they close my account and do not give me the chance to make things right. VERY, VERY, VERY rude and disrespectful customer service people. Plus it took me a month and a half to get my card. Do yourself a favor and DO NOT EVEN APPLY FOR THIS CARD.

I like the fact I don't have a monthly fee like a couple of my other cards. Great lender. Keep up the great job and love that my credit limit just automatically went up! Thanks Merrick Bank.

I had to make a cash advance in an emergency and it went as smooth as silk! Thank you!

This is is great card to have. Can't say enough about the service!!

You guys said what you would do; and you did what you said... I appreciate people of your standards.

Merrick Bank has been nothing but great to me. They handle their business in a very professional way, patient, kind. I appreciate them. They were there when I needed help. My father passed, they help me at my lowest point.

I have had a good relationship with Merrick Bank. I have a Visa through them. They have dealt with me honestly and I have been able to have good faith with them. They have never mistreated me and I have had several credit line increases over the years as my credit has been improving post bankruptcy.

My experience has been fantastic with the card. Only that I need more line of credit, so that it could be useful for me on some big project instead of buying day to day items.

I think Merrick Bank is great. I love the online feature and how easy it is to find everything.

Easy to get a hold of if needed and secure sign in.

I love my credit card from Merrick Bank. The only thing I dislike is the fees to start the card but with bad credit, it happens every time. This card has an easy to use mobile app. One of my favorite things is when you pay the very next day the funds are available. My favorite thing is they doubled my credit score after 7 on time payments. This is now my go to card!

Thank you for allowing me to use your card.

Completely Satisfied. Have sent many friends to Merrick, and will continue to do so.

I have been a good customer for quite a while now and haven't missed payments. I think Merrick Bank should be more competitive and waive the annual fee for customers in good standing.

I'm in the credit building stage and Merrick gave me a chance. They also DOUBLED my credit line after 7 months of on time payments. I tried recommending a couple of friends but found out it was invite only which made me feel SPECIAL. :)

Your card has been very reliable and has rewarded me frequently for paying on time.

I love my Merrick Credit Card.

I admit I had never heard of Merrick when decided to get a Merrick Visa. The service, including prompt posting of payments, has been exceptional. I have already recommended it to a couple of friends. It is the only credit card I carry or use.

Great company to have a credit card with. I have no bad feedback to give. A very positive experience.

Great. Very timely customer service.

I am very displease with Merrick Bank and once paid off I will close my account.

I have had no issues since beginning my account. Nothing hidden such as fees. I have only used customer service once and that was just a quick question I had. I am very happy with my choice to get this account to help rebuild my credit. Thankful for the opportunity.

Merrick is a good bank. When I have some doubts, I always call them and ask them to explain why. The representatives are very friendly and they are very happy to help you with your problems you may have. Keep up the good work!

I like having Merrick Bank as a creditor.

Of the number of online credit card sites I use, Merrick is the least user-friendly and least informative. The Merrick site does work, but it would be more user-friendly with more tabs to get where I want to go.

Merrick has been a fair creditor to work with. They extended a line of credit to me and when I paid my monthly payments on time they increased my credit line without my asking. I continue to make my monthly payments on time and work to keep my balance low. It is good to know I have the credit when I need it.

Great tool. Easy Access.

So far no complaints.

I have no issues with my Merrick Visa account. The web site works. They seem to be fair in how they treat me. I have never been at a loss for where something is on the site.

Applying for the card was quick and easy. You'll find out your results within a few minutes. I would definitly recommend this card to family and friends. I appreciate the fact they allow you to keep track of your credit score.

Great credit card and bank. Have had zero issues and customer service is great!

Good service. No complaints.

I haven't had any complaints but 1 small thing, I misplaced my husband's login information when I called. The representative I spoke with was rude. I still can't sign in and pay his account. Instead, I pay via phone or mail it.

I am very happy with my Merrick card.

Great first impression. Couldn't ask for a better card to help reestablished my credit.

Merrick means giving extending customer service that implies real trust. A meaningful value added for service.

I am grateful for the limit extension I was allowed.

Good website. No problems.

I love this credit card! Customer service is awesome & compassionate. Also, easy to use automated service!

I find it easy to access my account online and to check all activity. My payments are credited quickly.

As a customer your online services and app that I use have made my life so much more easier when checking balances, payment options, and having this close at hand. Keep up the good work!

I would like to thank Customer Services Department at Merrick Bank who has given me excellent services and very friendly. Thank you.

I have have a great experience with Merrick Bank. Gave me a good credit line increase. Would recommend to anyone.

I called from Japan with a request to change my internet password, since I had been locked out of my account due to failed attempted to log on. We are on vacation in Japan. The service operator was fine and courteous, however unable to access my account due to her system's being down. She could not even write down my reset request and to input it later. Calling direct from Japan is expensive and I am disappointed that I could not achieve my password reset. I believe the service representative did all she could. However a better system seems appropriate.

I'm very satisfied with everything regarding this credit card is great, especially when my credit limit was increased, that was a very nice thing in moments when you needed the most.

I have had nothing the best experience with Merrick Bank! Would definitely recommend them!

Merrick Bank has been awesome to me. I initially began with a very low credit limit as I've been using my card to pay on time, etc. Merrick has raised my limit accordingly. The customer service staff is wonderful. Always willing to help you. I'm very pleased with your card over the couple I have. Merrick also thanks the client for their own time payments.

I have never had any issues with Merrick Bank. Every time I have called the experience has been good.

Called on or about 11th to inquire about account. Was told 2600 credit and 129 available and no payment for rest of month. Two days later auto teller reports 2725 credit and $11 available. Cannot deal with little to no info in this number of days and even when I get a bill, it many times does not agree with what I find out. It was fine at first to keep track but being on SSDI, I cannot afford to not know what's coming.

I called to get a missing card replaced. On the positive side, the phone was answered without an unreasonable hold. The woman I spoke to took care of the request for a new card quickly, efficiently and accurately. I felt that charging for a replacement card (that was not overnighted or rushed) was greedy and unfair. I think the first time should be free and a subsequent event may incur a charge. This took a 5 star customer encounter down to 3 star.

Great service. Thanks.

I am sorry I missed last month's payment. I will make sure my monthly payments are made on time.

I appreciate the fact that you have increased my line of credit without me having to ask for it! The increase last year couldn't have come at a better time. I will continue to make timely payments. I have never been late on a payment. Please continue to increase my line of credit whenever possible, it is much appreciated and helps me to raise my credit score.

I forgot my password and your customer service was very helpful and friendly.

After loss of a job during the financial crisis, my credit was severely affected. Merrick gave me a chance to rebuild it.

Merrick service was excellent and they gave me a chance and did everything they said they would do without a whole lot of fees. I would recommend them to friends and family. Thanks Merrick!

I have enjoyed being a customer with Merrick credit card. I haven't had any complaints, I receive e-statements and make my payments online. I have received credit limit increases for always paying on time which I really appreciated. Merrick credit card was a recommended card to help with my credit score.

I have been a good customer. I pay more than required and on time!! I have asked to lower my rate but they always say no!! I am not using my card anymore because the rate is too high!!

Very happy with Merrick Bank.

I have no problems at all...and enjoy working with this bank. Thank you.

To-date Merrick Bank has been an good partner in the effort to rebuild my credit. I thank you for giving me a chance to prove myself and show I can be responsible.

The website is sometimes difficult to log into but it always works in the end.

All of my transactions are online & process perfectly each time. One thing, I have never received any info on chip cards or when they will be issued.

Anytime we have contacted customer service we have received a helpful and courteous answer to our question. The online bill pay is very efficient.

I am very disappointed in Merrick Bank. As a loyal customer for some time, I consistently paid my entire bill on time each month. I was surprised to see my credit limit raised because I didn't request such, but as always continued to pay my entire bill to ensure that the balance was low going into the next month. Instead of being rewarded for being a good customer, Merrick Bank decided to punish me. After the bank received electronic payment from my bank and posted it to my account, they applied only half of the amount paid and put an unnecessary hold on the remaining amount of my limit, which they planned to keep in place for 7 days. It was not enough to have the funds already, but the rude robotic customer svc reps and supervisor insisted that my bank needed to send "proof" of my BANK ACCOUNT BALANCE (???) to Merrick Bank showing my balance before the credit payment and after. What in the world?!!

We had nothing but wonderful experiences... Service is great!

The app is very nice. I've never had any issues with Merrick Bank, but they appear to be responsive and protects my identity.

I have had nothing but good a experience with Merrick Bank since I received their credit card offer. Their online site is user friendly and I am able to pay and view my account easily. Because I paid my payments on time consistently for 6 months, they held true to their word and increased my credit limit. I would recommend this card to anyone else looking for a credit card.

I have not been a customer that long, but have found them to be fair and courteous in their dealings. They kept their promise of increasing my credit limit if I paid on time and I was able to purchase a laptop computer when they did so. I hope to maintain a good relationship with them.

My experience with Merrick Bank has been excellent.

I would rate Merrick Bank a five-star bank in every category. They have done everything and more that they said they would do. They keep their word. Their phone system for checking on your account is superb. Their credit reviews are punctual and nice surprises. I am enjoying my relationship with Merrick Bank.

I use the Merrick app. more than anything - it's fast and convenient. The security safeguards are the best I have encountered. But most off all Merrick seems to care about my financial well being by letting me know when my scores don't look the greatest and I appreciate that.

Great customer service. Love my card.

All my use has been online and with the mobile application. I have had nothing problems and would recommend to friends and family. If you need further information please contact me.

Merrick Bank make quick response. I like it.

So far so good but it is my highest interest card. I wish you would lower the interest and I would use it more.

I love this card and would refer my friends and family.

I'm really happy with my Merrick card account. I'm very satisfied with this card account. I have two other card accounts that are not near in comparison to this card account. For one their monthly fees are out of this world. They too came with annual fees, that I very much dislike. With Merrick I had none. My overall experience with this account has been great. Thanks!

Not too bad on set up for online payment.

There shouldn't be a cost for increasing the credit for customers that have an excellent track with Merrick.

I am just happy with Merrick Bank. My credit report has improved. My credit limit was increased as promised. I haven't had any problems with their service center. If you are looking for a card to help improve your credit score Merrick bank is the card for you.

I am pleased with the service that I have received from Merrick Bank, since I opened a credit card account. The promotional offer that allowed me to transfer balances from other accounts and to make purchases with no interest being charged on my account balance helped me to smooth out my cash flow while saving on interest expense.

One of the best.

This card is the best. To be succinct, it's great for someone who wants a card to reestablish good credit. They promise and keep their promise to raise your available credit limit after a few months of paying your minimum payment due on time.

So far one of the best credit cards I ever had, very friendly customer service when called them, also website very easy to navigate, but the parts I liked the most is the smart phone app. I was able to go to my account on the go, very easy to navigate as well. Thank you.

I've had my account with Merrick Bank for sometime now and have had nothing but the best experience with them. Always paid on time and rewarded with a fair credit increase, more would have been better but fair. I would recommend it and have to family and friends.

This card is portal a good card. Only thing missing to make it great is a reward program of some kind.

I accepted their offer and after six on-time payments my credit limit was raised. Merrick Bank has been a blessing to me.

I had been a PERFECT customer.... and I do mean PERFECT. I paid my bills far ahead of time and made very large payments each time. Merrick does not disagree on that point. After about 10 years with the same Chase checking account (the one I pay my Merrick bills with), my online Chase account was compromised, and we determined it best to close that account and open a new one. I made a payment to Merrick and forgot to change my account info in their system... Simple human mistake. I realized almost immediately that I had forgotten to tell them, and I made a new payment to replace the returned one. They closed my account. ONE TINY MISTAKE, and they closed my account. If a judge saw this, he would laugh them out of the courtroom.

Information needed. I had a great experience!!

I have had nothing but positive dealings with Merrick. Never any issues, problems, and the interest is reasonable. Very happy!

I'm very satisfactory with the bank.

They are fair and easy to work with. Metric Bank reviews your history and because of the service provided, I don't mind paying the annual fee.

I was trying to pay online but wanted to register a different account than the account I had already registered. As far as I can tell, that is not possible without deleting the first account. I used the bill pay feature of the account I wanted to use, so it really didn't make any difference.

I think the credit card is great and the website. Frankly I am excited about having the card.

The website is easy to get around on which I like.

I love using your website and your service is excellent.

Great service from Merrick Bank online and by phone.

Approve security measures to access account. Love the way account informations is set up via website. Very user friendly. Excellent customer service.

I've had my Merrick Bank card for over a year now and it's a good card to have.

Having a Merrick Bank credit card and boat loan I can only say how easy the process was and paying online is very convenient. Thank you.

When I first received my card I was very happy and I continue to be satisfied. I can use my card for both necessary items and for my treats. I would highly recommend it to anyone that asks me about this card. I will continue to use my card. Thank you again for giving me the chance to express my satisfaction with this card.

I really have enjoy my Merrick credit card. Never had any problems.

I love Merrick. A great card!!!

Too high interest rate. Mediocre service when you call in.

I've been a loyal customer for years with Merrick. My credit line has been raised numerous times without ever having to request one. Online payment system is easy and user-friendly. One request would be to offer a miles option for card holders.

Merrick bank has been a very professional, quality and reliable bank. I have been very pleased with the card and the services it provides to me as a customer and consumer.

Great card to have. I love this card.

Good... Super customer service.

I have not had any problems with my credit card at any time the use of it. The company has increased my balance without me asking for it.

I like this card, but I rarely use it. The website is good and the people have been friendly when I have had to call. I would like to see Apple Pay with this card.

Since the beginning of my association with Merrick Bank, I have had no difficulties of any sort either by telephone or using their on-line customer service opportunities.

I've been having trouble getting credit and Merrick Bank really gave me a chance when I needed one. Now I'm well on my way to fixing my credit!

So far as a Merrick Bank customer I am very pleased!!!

I've been satisfied.

Every time I try to make a purchase it doesn't go through. Keep asking me to call customer service! I don't get it???

My Merrick Bank card was used fraudulently in London. Merrick immediately closed the account for me and instigated an investigation. They charged back all the fraudulent activity and sent me a new card right away. Very quick and efficient.

I have use this for over a year and not have any problem with them.

I feel trusted and valued.

This card has helped to give me financial freedom since my divorce. Very grateful.

I really love the idea that a customer does not have to fill out applications for line extensions. If they pay consistently on time then their account is automatically reviewed and extended.

Didn't like that I had to contact the company, and who was assisting me said that a credit from the company who wronged me would not be processed because I had a new card #. Thank God they were wrong and the credit did process.

With on time payments you are rewarded with regular increases - I've went from $500 to $ 3150 credit limit in a short period of time. Good customer service as well.

No problems with Merrick Bank.

I am satisfied with the service I get.

I am very pleased with my experience with Merrick Bank. It has been a great relationship and I use your card first when I consider what credit card to use. Thank you.

I only have a credit card with Merrick Bank. Applying was easy and its response was quick. If I have a complaint, it is that transactions take a while to be reflected on the account. Other than that, it is a pleasure to deal with Merrick Bank.

Website is easy enough to use, HOWEVER the balances and transactions are not on time at all!!!!

Excellent service from Merrick Bank always.

Merrick Bank has been a very fair company. The website is easy to use and communications have gone smoothly. I would recommend.

After 6 or 7 payments the credit line was to be increased. It was and without contact or questions. Exactly like it was billed.

Since receiving my card, I've had nothing but Great Service. All of my transactions have been cleared in a timely manner and also my payments posted quickly. Paying my bill on time allowed me to receive a credit limit increase that has really helped me out. I will continue to recommend your company to others!

Very pleased with credit card customer services, increase in line of credit, and ease to navigate on the site. Thank you.

Very easy, well organized web-service.

I love this card and the features that they provide.

Without asking I received an email to raise my credit limit. Thank YOU.

I really couldn't be happier with my Credit Card from your Bank. I appreciate the Credit Card and the Limit you gave me.

Had nothing but good to say about Merrick.

I get my statement online and also pay my bill each month. It makes it easier for me to keep up with my spending.

Did what they said they would do! And automatically raised my credit limit after 3 month on time payments.

Great service. Doubled just as they said with no hassle.

Although my experience has been good, I think that the interest rate should be lowered for those customers that have good standing for some time. I feel that I qualify for this consideration.

My card was lost and the representatives on the phone were very helpful and professional. I've never had an issue with your company and will continue to do business.

Quick easy access to account info online or on iPhone. I also love that credit limit is same as cash advance limit. You even raised my limit automatically based on good payment history. Thanks!

I'm happy and haven't had any issues. :)

I would like to warn ALL of you to stay away from Merrick Bank credit card. After having this card for 1 1/2 years, paying on time, I decided to pay off my balance, which was $1,197.00. The amount was withdrawn from my bank account and cleared my bank within 24 hours. Wonderful, right? Wrong. Merrick Bank has only applied half that amount to my available credit - it will take up to 11 days for the rest to clear. Unbelievable!!! Never before did it take 11 days to for Merrick to post my true balance and available credit. IT DOES NOT PAY TO PAY OFF YOUR BALANCE!! I will be CLOSING this account immediately - but I guess I better wait until I have an ALL CLEAR sign from them. They are worthless!!

I have been very happy being a Merrick Bank customer. They are responsive and considerate and provide a satisfying consumer experience. I would feel comfortable recommending them as a credit card provider. I appreciate the services offered and their respect for me as a customer.

Merrick Bank is a good company. They deal with higher risk borrowers so their rates are on the high side, but I have no complaints. The website is good and their communications have a friendly look and feel.

Concern has always been about a "delayed hold" on my payment in excess of $200-$300. As a long time credit card holder with Merrick Bank Visa, I'm disappointed with having to wait for funds to be released after a payment is posted and bank funds are cleared. Long term customers (myself) should be considered for immediate applied payment whether $200 or any large denomination.

I have had this card about 5 months and never wait for my statement to pay the balance as when I was young and stupid, I got into financial debt and didn't want to stiff my creditors. So in good faith, I enrolled in a credit service to reduce my debt and pay off those high bills on some of the cards. Well the rest of them, even though I was current cancelled my accounts and it was devastating to me. You folks came along, and allowed me the PRIVILEGE of another shot and am happy to say my credit score today is a whopping 756 and am grateful of Merrick Bank and the other institutions who believed in me. THANK YOU MERRICK BANK!

Great service!!! Took time with me!

While this card might be good for those reestablishing credit, this company goes out of their way to make sure customers can't pay extra on their account to decrease the balance faster. I picked up side work doing surveys here and there and tried to apply the extra amount to my balance as soon as I was paid. Because the extra was not the minimum amount due they would not accept the extra payment (I tried online, I tried over the phone and the automated system). I called in and spoke to a rep and explained why I was wanting to pay extra and the rep laughed at me and proceeded to tell me paying it off faster would not change the interest. Wasn't trying to change the interest, was just trying to pay extra on my balance due. Customer service was rude and I plan to close the account as soon as I pay it off and move to a real credit card.

Due to a business loss, we ran into hard times, so needed to rebuild our credit. We signed up for a Merrick card, and subsequently have a couple of others. Since we paid for a year's fees, we will keep the card for that year. Not happy at how long it takes to have a deposit made directly to your website takes. The other cards acknowledge it practically immediately. It takes Merrick a minimum of 3 days. Also the other cards I get immediate notification when the card has been used. Again it takes Merrick a minimum of 3 days. Wouldn't do me much good if my card were compromised!

All good experience.

Unlike most Credit Card Companies, Merrick Bank doesn't pressure you into using high interest rate "checks", or use other unseemly methods of encouraging debt. Their electronic banking system is easy to use, easy to set up safeguards, auto-pay, etc... I haven't had to use customer service, it's just a card that I know will be there should I need it.

Merrick Bank is a great bank. They have great support if needed.

I am happy with the service from Merrick Bank. Better than average.

I am very pleased with all aspects of service with Merrick Bank... As explained in the initial mailing, my credit limit was doubled with my timely payments. The card has helped me out in so many ways, has really boosted my credit score. Thank you.

All of my experiences with Merrick Bank have been positive. Their group was one of the first to provide me with a line of credit after a divorce which greatly impacted my credit rating. Although they were one of the first, they did not take advantage of the situation with exorbitant interest rates. They provided a sensible credit limit with good rates and throughout my time with them have continued to increase credit line as I continued to keep the account in good standing. Truly appreciate their proactive approach to providing FICO scores at no cost so I can continue to watch my credit rating rise!

I have nothing but good experiences with you and I look forward to whatever comes up.

I have had a pleasant experience with Merrick Bank. I have not had any problems.

My experience bank has been excellent. Customer service has been very friendly and helpful each time I have had to reach out to them. Personnel is very customer sensitive and extremely eager to resolve customer concern or answer question.

I have had no issues since receiving my account with Merrick Bank. I received the increase in account balance as promised with no argument or problems. I have never had to contact customer service for any issues. I utilize the iPhone app to track my account and pay my bill. I love the ease of using the app, it is very user friendly and easy to navigate. I highly recommend people sign up for the card if they are sent an invitation.

It has been a pleasant experience. I have found everyone to be helpful and courteous and am highly impressed and would recommend your service to anyone. Thanks for the great service.

My experience with Merrick has been rewarding and exceptional! After the market crash of 2008 and the loss of jobs in this Country, there are fewer and fewer credit card companies that care about helping the working person get their financial dignity back. Merrick is truly a caring financial company! Thank you for all of your support and one on one customer service!

Overall I am very happy with Merrick. I was very pleased with how fast they raised my line of credit based on my payment history.

Merrick Bank has been wonderful to work with, giving me opportunities to grow my credit and plenty of information to keep me informed of any changes or necessary information, payments when due and options for monthly payments. I sincerely appreciate Merrick Bank!