Merrick Bank Reviews

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.

My experience with Merrick Bank has been great. I have not had any bad experience with them at all. They are giving me an opportunity to raise my credit score and yes I would recommend this card.

Because we don't have a checking or savings account with Spokane Teachers Credit Union, just our home loan and 2 car loans with them the checks were denied. The bank doesn't know why they didn't go through. They suggested depositing them in our account, then pay you with a personal check. And that worked. Their interest was 0% for 6 months then only 12% after that. Merrick was very kind to remove the returned check fee. We will still use our Merrick card but pay in full each month. Thank you.

I was sold on this provider when they offered to double my credit limit by simply stating in good standing for at least 6 months. When chip cards became standard, I did not need to ask for a new one, they sent it right away! I would recommend to anyone.

Merrick bank is crap if you are trying to rebuild credit. Payments are posted late if there are issues with their site which results in late fees.

I have no complaints about Merrick Bank whatsoever. I enjoy carrying their card. It's extremely convenient being able to pay/access my account online.

this supervisor Freddy ID #** she tells us the if we need the card we would have to pay $29.00 fee. Ok it is Merrick Bank issue and she would not help us as a long time customer. There is no customer service anymore. The bank can take our money with no problem but when there is a issue no help at all.

Very easy to use website. Wonderful!

I'm not feeling the satisfaction of my Merrick Bank Visa Card. I have cards for example Amex, Citi and Chase that offer up to 18 months no interest, cash back from 1 to 3 percent and no annual fee. Merrick offers me a interest rate of 25.70 percent, a $3.00 a month annual monthly fee and no cash back. What is there for me to be satisfied with?

Always fair, staff is polite, courteous.

My experience with Merrick Bank has been very respectful and professional if I have questions or have called, or emailed. I get account updates that are extremely helpful.

I am very pleased with Merrick because the customer service rep I dealt with was really great. She was caring, helpful and very polite.

I have had nothing but great experience with Merrick Bank every time I have call and spoke with a Representative.

I had noticed some fees I were getting every month so I called to inquire about them. At first I didn't understand the reason as she explained it to me so then I gave my version and she says that's not what I said in a rude way but did re-explain it.

Fine and very professional. Never had any problems with your service.

Thank you for the opportunity to rebuild my credit.

I am pleased with the easy to navigate website. They said they would raise my rate when I paid six months, and they did. I appreciate that. Keeping promises. I have no questions or complaints! All good!

I made a mistake and made a payment that was returned because of a lack of 7 dollars. (Shame on me). I found out right before my payment was due and corrected it. They did not help me with waiving the $27 fee. Bad customer service.

I love this card but they have a high interest rate.

Since having this card I have had no issues with Merrick.

Merrick bank has been a clear partner in recovering your credit and upping your credit score. I started with an amount of which they doubled 6 mths later as a reward for keeping my account current. I'd recommend to anyone who wants to build credit.

It has taken my account 6 1/2 years to reach $2000. I have never had a late payment and always pay more than the minimum payment. I think that once you have proven yourself as credit-worthy, the fees should be removed and credit limits reviewed.

I don't call in to the call center very often but every time I have had to, your customer service staff have always been very friendly, polite, listen to my issue or concerns and have done their best to help and resolve any problems. I would definitely refer a friend.

Easy to use website. Very descriptive in transaction.

Merrick Bank offered me a way to have an emergency credit card, without an annual fee or exorbitant interest rates, after an unfortunately bankruptcy. Thank you Merrick Bank for allowing me to rebuild my credit.

Good service. Thanks.

I've always gotten excellent service online or when I called in for assistance.

Your service to card holders is exceptional. Please keep up the good work.

Great credit card. Thank you for trusting my credit!

I am satisfied with the card and services but feel like after you establish yourself as a customer that the monthly interest fee should be waived.

I have had a great experience. I pay my bill by phone. I have never had any hassles or problems. I did call customer service once and that was successful. I have had my credit increased for paying my bill on time for several months and paying at times more than the expected amount. I am very satisfied and yes would recommend this to anyone.

The only issue I have with this card is the high interest rate. Otherwise, the card is great. If payments are consistently on time, the limit is automatically increased. It was a good card for re-building my credit.

I keep receiving notices that a payment is due when the account has a zero balance. I wrote asking about this but did not receive a reply.

Great credit card. Great perks! Love the ability to view online!!

I am very happy with Merrick Bank. Paying online is easy and convenient.

The service you offer is one of a kind. The online banking is simple and easy to fill out and service my accounts with ease. After 6 months of services you automatically upgrade my account and credit limit for paying on time. You make getting good credit easy.

Merrick Bank was the only one after my Bankruptcy to issue me a credit card so I could have something in case of an emergency. I have made 2 payments a month & twice now they have increased my charge limit.

Good card to have, keep their promises.

Very loyal to customer. Professional on phone.

In my personal opinion, there's nothing special about Merrick Bank... It's just one of many similar products in the very crowded and competitive consumer credit marketplace. I keep the account for now because it serves my purpose to do so in that it provides a backup resource in the event of an emergency or unexpected financial demand. However, with a RIDICULOUS interest rate PLUS a monthly maintenance fee, the account will be closed by year's end.

Great customer service and I would definitely recommend to a friend.

Merrick bank took a chance with me after bankruptcy. They offered fair terms unlike other banks. Other banks wanted to charge a yearly fee of $75-$90 and charge interest the day the transaction posted. In addition, the credit limit was $300 of which the yearly fee was deducted. Merrick offered a higher credit limit, no yearly fee and 25 days to pay the balance without interest. Really appreciated the fact they offered fair terms to a person recovering from financial hardship.

Very pleased. Never had a problem. Appreciate the service.

Question about card use. Was answered.

Since applying and getting my Merrick credit card I have never disappointed. I have gotten credit line increases without having to ask for them. I would and have highly recommend Merrick to family and friends.

I was very skeptical when I received the offer for the credit card, so I did some research and found only good reviews. I've had the card a little over a year and I am more than pleased with my experience. I have never had to call customer service. This has been the best experience I've ever had with a credit card.

Love the experience.

I am pleased with my credit card account. I obtained it with the understanding that I could help rebuild my credit rating with it, and that if I made my monthly payments on time you would raise my credit limit. You kept your word and did it automatically. I really like the credit monitoring services and ease of your website.

I am really appreciative of Merrick Bank because they gave me an opportunity to have a card even though my credit score wasn't perfect.

My Merrick bank card has allowed me to raise my credit score and make various purchases when I didn't have the available money to do so.

Easy to use website with info about my card readily available.

Its website is easy to use especially when submitting payments.

Everything about this card I love.

I pay my credit card on time or three days early by electronic debit from my checking account. When I checked with Merrick it said payment received and pending. The money was taken from my checking. Three days later I get a late charge and no money deducted from my balance. Man, did I call and hit the roof. She told me my payment was late and I told her to look at her screen where it says processed and paid. She had no answer and said the fix would be a week later. What? a week later when I paid them early? OMG these people are breaking any and all banking laws. I'm turning them in to the attorney general's office for investigation and I suggest you do also. I have other cards from major banks and never had an issue... Beware!

Everything is good.

Great company for anybody trying to rebuild their credit. Follow their program. You will see your credit score go up. EASY WEBSITE TO WORK WITH. 24 hour service. Easy to understand what you're reading on the site. You can pick your own card.

I had gotten some auto work done and went to pay with my Merrick Bank card and it was declined repeatedly even though I knew I had sufficient balance to cover the cost. When I called I found that, due to my recent move out of state, I had not received or activated a new card which put the old card on blocked status. The man who assisted me went out of his way to make this work out for me, getting a supervisor to approve a one day activation of my old card and getting things set up to get the new card sent to my new address. Very helpful, courteous and made things work out for me. Much appreciated!!

Fantastic. I have never had a problem with Merrick and they are consistent with everything they say they will do.

I have had an excellent experience with Merrick Bank. I am well pleased and satisfied with the customer service & use of their card.

I am very satisfied with the service that I'm getting from Merrick Bank. I would definitely recommend it to friends and family. It’s truly the best card that I ever had. They kept their promises and you receive everything that they say you would. Thank you.

I've had a Merrick Bank credit card account for ~ 2 years ago. I'm very frustrated with their customer service. There is no way to contact them via email or chat. The only options are by mail or phone. Seriously? That is so last century! I am unable to make calls during my normal business hours and my other responsibilities make it difficult to make calls at other times.

I have always had good experiences with Merrick Bank and I would always recommend to friends.

Everything is going very well.

I have been extremely pleased with Merrick Bank and their services ever since becoming a banking member almost a year ago. They provide the basic essentials for online bill payments. They also have a very excellent fraud department as they called me promptly in response to purchases made on my card that were fraudulent and they resolved the issue swiftly with no issues. I would certainly recommend them to anyone who has had trouble in the past with credit or financial issues, as well as anyone looking for a new bank to use.

I was called and asked if I had charged over 400 dollars at OfficeMax and told them no then was told "Will credit you back and will send an affidavit to sign." Never received it and was sent a letter saying so. Then a letter received with a postmark the next day saying I owed the money since they screwed up and never sent the affidavit. It's always the customer paying huge interest rates and fees-fault. This is the 3rd time in a year I have had this problem, always in Chicago area.

I've never had a problem with Merrick. Statements are accurate and easy to read. Online banking is simple and safe. Mobile banking is extremely convenient and never has bugs or glitches that cause security concerns. Credit limits are raised as credit activity proves customer is responsible in managing their account. I love Merrick and appreciate all they have to offer!!

I have been pleased from the start with the ease of approval and the gradual increase in my credit limit. I enjoy the ease of use of the website and clear explanation of my account details. Thank you!!!

I love my Merrick card. The customer service that the representatives give is awesome.

I wanted to take a few moments to just praise Merrick Bank and their services. I am completely satisfied with them.

It's wonderful having a card like this, I enjoy having this card.

Merrick Bank is the best. They helped out when I needed to rebuilt my credit. Thank you.

After my husband passed away, my world fall apart. Working hard to rebuild it to somewhat normal has been hard... now with the help of Merrick Bank my credit is getting rebuild. Thank you Merrick Bank.

I was very grateful to receive a letter in the mail stating I had paid on time for several months and my limit was increased to double. It came at a time I really needed it!

Merrick has lived up to all its promises of service and has met all my expectations. A high-quality institution.

They have helped me to begin rebuilding my credit.

Thank you Merrick Bank for super service and consistently good experience with your credit card.

I have a great experience with Merrick Bank.

Merrick Bank has treated me with respect and trust. They raised my credit limit automatically without my asking. I enjoy using the credit card and know that I can count on them.

Excellent credit card company! They have online payments. They have periodically raised my credit card limit without me even asking. And now it looks like they post my credit score for me! So great! Very happy!

Merrick Bank has been excellent. Very happy with their services.

I find it's easy to understand and I have no complaints. Yes I have recommended and if someone else is interested I will recommend you again.

I have had NO problems or complications with my CC thru Merrick Bank. Credit line available, customer service quick, thorough and professional. I would absolutely recommend Merrick Card Services to friends & family. Thank you!

I like Merrick. The experience is a good one. Though, to be excellent, I would welcome a much higher amount for travel. I use other cards in order to do it, but Merrick would have to replace the others I carry and become a one household. As a retired CEO I still get requests for Help of Speeches, and also vacations. Thank you.

Good service, great phone service, accurate phone assistance.

I recently had a problem where I didn't set up my bank payment account correctly and you didn't receive my payment. I called when I received the e-mail telling me I was late with my payment and immediately called to rectify the situation. I don't recall the person's name, but they were extremely helpful. I made my payment over the phone and fixed my account. I am very happy with your service.

Merrick is a "no frills" credit card. No rewards program or other fancy perks. Their website is also decisively last century. However, with the no annual fee and their willingness to take chances with people with lower credit scores, you get what you "pay for". They will also double your available credit after 7 months of good, on time, payments. I no longer use them as a primary card due to the fact I now have cash back cards, but I will keep them around as an emergency card and for the extended credit history for my score to increase. All in all, they are willing to give you a chance and help if you have less than perfect credit. Their online system does need a serious update though.

Merrick has always provided me with stellar service as well as outstanding financial products. Very easy to navigate the website and pay my bill. Would be very nice to add a feature to the website to enable for me to pay my bill with a "debit" card. Other than that, so far no problems.

We have enjoyed a worry free and beneficial relationship through utilizing Merrick Bank's credit card. Statement and payment process is always timely. The online system is user friendly and as we have made consistent and on-time payment, Merrick Bank has rewarded us with limit increases.

The person who assisted me was courteous and quick in her answer. She answered my question completely.

Would like to see acct review more often for credit line increase.

It seems that your website is pretty slow and not once I was unable to connect to your server (timed out). When that happens, I had to start all over. Same applies when I try to open my statements, navigate throughout the site. Last night I was unable to make my payment due to reasons above so I had to try this morning. After I submitted my payment connection timed out so I had to login in to make sure that payment was processed. I am happy with your card in general but you should improve your website considering that everything is done there. Thank you.

In 3 years I've gotten automatic credit line increase! Never asked and doesn't cost. Thanks Merrick for giving a guy a chance to advance in credit!

The complete account setup and ease of use was great.

Well I think it's a great bank. Great experience. Keep the good work up. Thank you.