Merrick Bank Reviews

I like that they gave me a chance to improve my credit when no one else would. I like the no annual fee, periodic credit line increases, and that they handled a fraudulent purchase by giving me a full refund. What I do not like is the high Apr. I have worked on my credit for three years and deserve a lower Apr. I also do not like no rewards for using the card. So I only use my card for an emergency, not everyday.

Been very helpful in all matters.

I have had a really great experience with Merrick Bank so far. Whenever I have had questions, they have been answered quickly and accurately. The Customer Service is always great and helpful.

Representatives are cordial and helpful. They do not make you regret or dread talking to them. One thing that would help not having to contact them would be: Let the system that you can contact via the Internet show pending charges that impact available funds.

Your payment processing system is very fast and works extremely well. Overall I have found that utilizing your card is a very satisfactory experience with no problems at any merchants.

I opened my account with ease... As promised in the initial agreement, after making 7 on time payments, my credit limit was doubled. My payments are posted promptly... I review my account online, and I have never found any problems. I would highly recommend Merrick Bank to anyone.

It has been a great experience with Merrick Bank. They have been more than fair with me..

I have been nothing but satisfied with Merrick Bank. By offering me a credit card, they have given me a second chance. The credit limit has almost tripled since joining and they were very understanding when I had a late payment and forgave the late fee. 10 stars!

Merrick Bank display excellent professionalism in their conduct and transaction. They respond to claims on time in a professional way. The online banking is also excellent.

Merrick bank has been great to work with. I love the free FICO score that helps keep me on track. They have been great to reward me with credit limit increases based on my payment history.

In trying to rebuild credit, it is often tough to find a company that is willing to reward using your credit wisely and offering you credit increases without asking. In the amount of time that I have been with Merrick, they have kept an eye on my usage and on my payment history. Credit limit increases are no hassle, they are automatic as long as you make your payments on time. Their website is so easy to navigate! Love the ease of use. Thank you! A thousand times, Thank You!

I am very pleased to say that I have never had to deal with Merrick Bank. This is good news. Someone that has to deal with a bank means there's something that's gone wrong and needs human input to be fixed. That Merrick has never needed something fixed is a testament to their website and their banking policies. Their website is a dream to navigate, very user-friendly. I am proud to be part of the Merrick family, and very glad they took a chance on me. Even though my credit rating was good - very good, my credit was over-extended and they took a chance. It has been over a year and all payments have been made on time, if not ahead of time, and with minimum or more payments. When someone extends trust to you like this, you don't want to waste it foolishly. Thank you, Merrick Bank, for being the wonderful service you are!

I have had an excellent experience with Merrick bank. I really like the Merrick bank app. It loads up fast I can pay through it and check my balance. Another feature that I like is I don't have the best credit due to a divorce in the past, but Merrick bank gave me a chance and I pay on time all the time and they are generous about increasing my credit limit. Merrick bank is awesome!

Great card for credit line increases.

Your customer service is always friendly when I call.

Credit card and website have been excellent.

Very happy with this credit card company. Reports on time, posts payments quickly, let's me check my credit score for free through the website and increased my limit as promised. Can't ask for more other than keep up the great job.

So far I have no complaints against the bank. I am completely satisfied with their service.

I've never had any problems with Merrick Bank, in a few years. So I have nothing bad to say. As far as good, the site is user friendly and comprehensive. The fact that I haven't needed customer service, speaks volumes! So great in my view!

Great Starter card. Regular adjustments to account to increase credit limit.

Your reps are English speaking Americans, which I appreciate. If only as I get more credit worthy you would lower my interest rate. If y'all would expand your offerings to include business accounts, that would be awesome, too! Thanks for being a cool company to deal with.

Their customer service is easy to work with. I recently got married and moved out of state and out of my few credit cards, they were the easiest to work with to get a new address and change my name. Also love the Fico credit score. Love that it updates monthly.

I'm really happy with the service and never had an issue when using the card. Merrick Bank is always looking out for me increasing my credit limit very often. I very gladly would recommend Merrick Bank to friends and family members so that they can enjoy it as I enjoy.

Service has been courteous and helpful. Very pleased...thank you.

Very pleased with the service. I always pay my bill early so I haven't any experience in the area of slow or no pay. You were very fair with increasing my credit line and I appreciate that. I also think your website is easy to navigate and the paperless billing allows me to stay current with my payments. Thank you for the wonderful customer service.

I've been with Merrick Bank for more than 10 years and find their service to be top notch. Their website is easy to use especially when utilizing online bill payments and checking my FICO score.

You gave me a chance and actually gave me credit increases at times that came in very incredibly handy for me. I have been a college student and a single mom, and the peace of mind that comes with knowing you have a card you can charge on in case of emergency is priceless. Thank you.

I love it.

Been a good bank credit card, but as with other banks, the finance charges are way too high. Especially since the economy is in the dump so bad. We need a boost to get the country out of this slump, and a lower rate would help big time!

I read online from credit karma that you can get a one-time late payment forgiveness if you have paid on time since then. I have paid my credit balance off almost every month, not just the minimum due. When I called, the agent didn't know what I was talking about and then said "oh, we don't do that". She was not pleasant or nice. Capital One went out of their way to help me.

I got this card, which I absolutely regret! Next time I'll do more research before I get into a card like this. I plan on cancelling next month because of all their crap, but all the reviews I've read about cancelling are nightmares. I mailed my Payment in on the 13th of August, I paid all my other cards and some other bills at the same time. I figured it couldn't take more than 4 days to get there. BOY WAS I WRONG! I called on day 4 and they couldn't deny or confirm that they received the payment. So I called them back on day 5, on day 6, on day 7 and on day 8 all the same thing. On day 9 when I called they said no payment was received. At that point I went online to check the review and read similar accounts.

This company is very easy to do business with. Friends and helpful. No hidden tricks as with other cc companies.

I am very happy with Merrick Bank. They gave me a chance and I have diligently been paying my card so they raised my minimum from $500 to $1000 in 6 months. I love how easy their website is to navigate and make payments quickly. Thank you for helping me improve my credit!

You charge me $48 a year, $4 a month for whatever charge. I have been with you for a while now and I think that $48 a year fee should not have to be paid just because for whatever reason.

Good experience online banking. Nice and easy website. Easy to use. Very professional.

I love dealing with Merrick Bank. It is a great bank to deal with. The staff is patient and understanding.

I have had nothing but excellent customer service from Merrick. No hidden fees or something shrouded in the fine print. I am very happy and would highly suggest this company to other people looking for a credit card that treats their customers right.

I had an 1800.00 account with them. An account that was always paid on time and never missed a payment with them for more than a year. I went to use my card at a store and it declined. Turns out there was some kind of security compromise and they froze the account and was supposed to send me a new card. That was in June. It's now August and still no replacement. Mind you, I've destroyed the old card. That account was paid down to zero balance. They wanted to charge me a 15.00 fee for a freeze on my account which I wasn't informed of, I was told I would get another card and didn't receive it. Now because it wasn't in the system they want me to pay for a replacement. For a breach that wasn't my doing. The attitude from the person on the phone, RUDE. I asked to close the account. Without even trying to save the account, an 1800.00 account in perfect standing, they closed it. Great business. Let a 1800.00 account go for 15.00.

Merrick Bank is consistently slow in processing payments. I paid off my account in full for $1400 and they are holding half? Why? Until the payment is confirmed, by who? The money is gone from my checking account and I show a $1 balance in my credit account. Customer service is rude and not very helpful. A supervisor tells me that this is their policy and it's in the terms of my contract. They say if I want my money, to send them a copy of my bank statement. Just B.S. We know that if they do this consistently they can get a small amount of interest for another day or 2 which adds up when you're moving millions of dollars.

On three different occasions when I have paid my credit card bill online, my "check" have been returned. The online website has a dropdown to pick the date you want to pay your bill. I always choose either the day I am paying it or the next day. I then later check my online account and the payment shows as being paid with a confirmation number. On three occasions, I later get a statement from Merrick Bank saying my "check" has been returned for insufficient funds. Upon looking at my bank account, it shows that it was at least a week after I scheduled my payment that it was taken out of my account.

The online experience to check your statements and pay your bill is very convenient. However, the Merrick credit card is one of the few cards that do not offer a "cash back" reward or any type of reward for using the card.

MB is an excellent and very professional company. I'm giving them all 5's because Merrick deserves it.

Very positive experience working with Merrick Bank. They have always kept their word and there was never a need to call and remind them. If you are looking for a credit card I would recommend them without hesitation. In the past I've had cards that promised one thing but delivered something totally different. With Merrick you don't have to worry about rate changes every 3-6 months - again a very positive experience! Thank You Merrick...

I absolutely have enjoyed the benefits and they kept their word on increasing my limit. I did not even have to call them to remind them.

I am very impressed with the customer service that I receive from Merrick Bank. I have also recently received a credit line increase. Great job!!

I used this card for about 2 years as a way to help build credit. In the 2 years I had the card I was never late - always paid on time and never had any issues with the account whatsoever, UNTIL I CLOSED THE ACCOUNT!! I called in on May 1st to close the account and pay the balance in full. I no longer needed this card as I had established a good credit rating and had much better interest rates through other banks, therefore I decided to simply close the account to avoid paying the high interest rates. On the day that I called I was told my balance was $131.06 and that I needed to pay in full to cancel/close the account permanently. So I did, and never thought anything about it again.

I can't give 5 stars, nobody is perfect but they are close. Merrick has given me the chance to re-establish my credit, I thank them for that. I have had no problems thus far with the company. I would recommend them highly over several others. TY.

I have been with Merrick Bank for a few years now, and they have always been very quick to post payments & credit to my account. They have increased my credit limits to over 2,000.00 & are very pleasant when you need to contact them for any type of help. I plan on being with them for a very long time.

These people suck at Merrick Bank. Rude and don't listen. I payed my bill over the phone. 4 days later I have no credit? My bank account says it was taken out 3 days before. I call. And they tell me to fax over my bank statement showing it was withdrawn.. What is this? So tired of Merrick's bullcrap. All my other credit cards have my credit available the next day after payment over the phone. Now I have to wait? No, no, no... This ain't gonna happen again. Gonna call my local attorney general and straighten these people out!!! By law in Massachusetts they have to give you your credit within 72 hours after it's been withdrawn from your account. They do this to make interest off your payment. This company are thieves!! Hopefully someone from Merrick reads this... I want answers why they treat their customers like crap!! Thank you for your time to read this!

I had a wonderful experience with Merrick Bank and I would recommend anyone to use them. My credit was not the best and I had been turned down before so I was very surprised when I found out that I was approved in seconds after applying. They even doubled my credit limit after I made six on time payments to my account!!! Thank you!

I first got the card as a young college student with no credit history. Although the APR was high (29%), I didn't have much options except for a secured card so I went with it and planned on switching when I could. They upped my credit twice for always paying on time and paying more than my premium. I recently called them to try to lower my APR since I now have great credit and can choose what card I want, and they did nothing. I get no benefits with that card, have to pay 29% APR, and have a great history with them but Merrick won't process my request? **. I'm switching cards today.

I get no card is perfect and some people may have problems with this card. I am not one of them. I have had this card for quite a few years now and has been key to helping me build back up my credit. I have never had any issues while at the same time have enjoyed limit increases in a timely manner. The only thing mandatory that I have to pay each month is the annual fee that is broken up by month. It's only $4 a month. There is interest, but it is fairly low. Right now, my balance is at 0 since I recently paid it all in full. I would certainly recommend this card to others. It has been very helpful and I hope to enjoy more years ahead with the card.

I like having updated info re: FICO score.

Please make it easier to read statements & transactions..

I have had a great experience with Merrick from day one. Service personnel well groomed, professional, and handle my call in a timely manner.

Merrick Bank has been very good to me and I would recommend them. Only negative is I wish they would review credit reports and as credit scores go up, interest rates could go down. But that's minor. Thanks for everything.

My experience with Merrick Bank has been extremely positive overall with absolutely no problems. I would highly recommend Merrick to anyone who may would ask. The ability to see my statement and/or make payments online has been very helpful in maintaining my account balances at a level that I feel comfortable with.

My experience has been excellent.

I called Merrick for the first time. Their system is set up that if you press the # key the incorrect area, it will send you to a customer service rep who is going to charge you to help you. I had to call back six separate times and deal with customer service reps that weren't too friendly. They were trying to get off the phone very quickly or send me back to make the same mistake over and over again. Overall they need to fix their phone system so that you can handle your business without contacting them. I don't think they understand that we don't want to pay their fees or to be on the phone with them as well as they don't want to be on the phone with us.

Come on give me a break...it's clear as day! Never had a card that did not display your closing date for the current billing period. It only appears on past statements. THEY DO NOT KEEP ACCURATE PENDING BALANCE INFORMATION. Example: it shows I have $458 credit used with a $700 limit and a balance of $79 available. Let's do the math $458+$79=$573 (not $700) YET...NO PENDING TRANSACTIONS SHOWING. Conclusion: they see the pending transactions but don't tell you. Constantly having to do my own math...iPhone will show totally different amounts that PC and they both withhold actual amounts. They take days to post payments. This card stressed me out! Due to their tricky system...Always worried I'm going to overdraft. Conclusion: This bank knows how to "bank" off people! Good job Merrick!

I have had my Merrick Bank Visa for about a year and a half. I have NEVER had any kind of problem with them in any way. I recommend anyone who has the opportunity and privilege to bank with them to take full advantage of it. I have not heard one negative comment about Merrick Bank and they are very generous in granting credit line increases without my having to ask. I am always surprised to learn of my increase because I always thought that it was something that I had to ask for. I love Merrick Bank and it is my intention to continue to do banking with them for as long as they will me as a customer. Hats off to you Merrick Bank, you have made me a proud and loyal customer. Thank you for allowing me to be a part of your banking family.

I have had this bank card for several months. Every time I post the payment it takes forever to access my funds even though it shows on my mobile Merrick Bank app it is been posted and paid, also on my personal checking account. It's Mother's day, I flew to Florida. I called them yesterday to see if they can release my funds before I left for my trip. They said "no I'm sorry your funds won't be available till tomorrow". They also asked me to do a screenshot of my bank information which my phone obviously will not let me do. They also asked me to have my bank fax over my account information. My bank will not do that. They're totally unwilling to work with me.

After running into a few strokes of bad luck I had to file a chapter 7 bankruptcy. After it discharged a few free credit reporting sites recommended the Merrick Card to help rebuild my credit. I applied and I was approved! They have only raised my credit limit once but it went from $750 - $1900. My credit is just under a 700 and I thank Merrick for being one reason why I am credit worthy again. For all the negative reviews it seem that those people have no idea how a non secured credit card works let alone how their credit rating is based. If you simply follow their policies which are like most other credit cards it's really common sense. I highly recommend this card if you are familiar with the general use of a credit card and how credit rating works. Otherwise stick to the prepaid/secured credit cards you can load up and use like monopoly money.

I applied for the secured Visa card. After sending me an e-mail saying all I need to do to get my card is send money. I sent $400, which was cashed immediately, but no card came. 9 days after my check was paid by my bank, I called and requested my money back, and I was told it would be 2 weeks before I would receive a refund. They held my money for 23 days from the time they received my money until refund. BOA took 8 days from time of application until the time I physically had my card. I wouldn't recommend Merrick Bank, they are terrible.

I received a notification that I was past due on a payment. In the email it states "We realize that there may be many reasons why you have not made your payment. If you are having trouble making your payment, please call us today to see what we can do to work with you. We want to help you keep the great benefits and opportunities that your Merrick Bank card provides to you."

I made my payment a few days prior to the due date and Merrick authorized an additional payment that caused my bank account to become overdrawn. Spoke to Merrick CS and not only were they not sympathetic but blamed me for the issue. I work in IT and know how to schedule a payment online!!! You get no benefits from this card. There are way better credit cards to rebuild your credit that offer rewards.

OK people, I received a non-secured credit card offer of $600 from Merrick almost exactly one month ago. After reading the reviews here, I was hesitant to accept it because of the medium-low star ratings however; I did accept it and glad I did. After reading through many of these, it appears that many people who are getting a chance to REBUILD their credit are blowing it by doing things outside Merrick's standard policies and procedures. Merrick is TAKING A BIG GAMBLE with many of you and at the first sign of you being a troublemaker, they apparently will promptly close your account. If it was my money on the line, I would do the same thing. Would you extend credit to someone who has fair-poor credit rating and then take any crap from them? No, you wouldn't.

I received a credit card at my residence in January 2015 my boyfriend's name (**), I thought this was weird and something told me to check my card number and to my surprise it contained my same account number for my card. I called Merrick Bank to determine how this happened. I was transferred to the IT department to have it researched and it was determined that I never authorized this transaction via phone call or correspondence and they could not explain how this happened. I had a major concern and was informed that a new card would be issued with a different account number and a letter per my request providing me with an explanation as to why this occurred.

I have Merrick credit card and make my payments way before the due date, in fact pay my bill twice a month. I had not had any problems with them taking the payments out as scheduled until recently when they stated they tried to pull a payment out (that was scheduled on March 4th 2015) and said it was returned account frozen.

I recently got approved for a $700.00 credit with Merrick Bank (Visa). Although I don't have any issue using the card my issue is with the account information available once you log into your account online. Here is what I experienced with the online information.

These people have always been late giving me credit for ATC payments that quickly clear my bank account. To add insult to injury I recently sent 2 payments of $1650 on a $1650 balance. I called to ask they either temporarily permit $3300 credit limit or send me a check promptly. They refused to increase the limit by the additional $1650 they were holding and told me it would be 30 days before a check would be issued. Looks pretty sleazy to me!

I have been a customer for over 3 years and payed all my payments on time and never got offered a higher or increased credit limit, which would have been nice. Anyway, for the past 2 or so months when I go to the website to log in and make my payment it brings me to a blank page...this never happened before. Does anyone know what's going on with the website? Yeah it's all pretty and everything, but when I click on login, it gets me nowhere. I just got a second card from them, which in hindsight I should not have done. I thought the card would be a higher credit limit...it's the same as the first one, $700. They don't tell you how much credit the card will have on it until you receive it in the mail and it is already activated, and they have charged you right at $150 in fees already. My main question is about the website though, anyone else experiencing problems??? Thanks.

Merrick Bank is a MAJOR disappointment. I was an active card member with them for over two years and recently cancelled my account. When you sign-up for a secured card to rebuild your credit, they state that they give credit limit increases regularly once you establish a good payment record. Cool I thought. It's worth it. After being a card member for over two years and paying my bill IN FULL every month without EVER BEING LATE, they raised my credit limit in this time period from my initial secured $600 to $1,100. They charge you a $36 annual fee which they bill on a monthly basis ($3 per statement) which I'm sure they do it hoping that if you don't use your card, that you will be late for the $3 so they can ding you with a late fee.

I have been making on time payments for over 5 years. Not only do I make on time payments but I make double the payment amount. I called yesterday to ask for a lower rate and they said, "Sorry we don't do that." So I said, "Ok then how about eliminating to $6/month fee," and she said, "Sorry we can't eliminate the yearly fee." So I told her that I thought it was pretty crappy that I was a good customer and they can't do anything for me. I also told her that I would be paying off my credit card and closing it. I have never encountered such a credit card company! I think Consumer Affairs or the attorney general should shut that company down!!

Called to make my min. due and she told me it had been closed. But I have a bill to pay, "you did but your account was closed in November." I told her as she could see I was only building credit and had never charged on it. She explained that because in Nov. it was reviewed and closed. Then how in the hell do I get a statement? She never helped me in any way - rude, and disrespectful. Wow people don't build good credit with Merrick Bank. They will screw you.

I have been a long-time cardholder of Merrick Bank, with excellent history of on-time payments. I was making a payment by phone and the prompt message stated that "I've made an online payment before, do I want to use the same bank routing number and account number." I said yes, and proceeded with the payment. Over a week later I received a letter in the mail that the account for the payment was closed, so therefore Merrick bank closed my credit card account. I was puzzled and shocked and when I spoke to a representative I found out that the "account number on file" was for an account, which I closed and therefore I gave them the correct routing number and account number.

I have called fives times since early December 2014 to cancel my card. It is still active and they continued to put $3.00 and $1.00 on my card. I keep paying it, so they will cancel, but they do not. I had heard nothing but horror stories about them, but I was trying to repair my credit and they were an easy card to get. Now I know why!

In error, I made a full payment with a checking account that was closed (it was the default account online). Noticed my payment hadn't posted to my checking account. Called customer service, was told to just wait till it returns. Next day it was returned, and I made the correction with payment on correct checking account. The next day, I received a letter - my account was closed. Letter was dated the day. I call them. Have always paid on time. No reason why my account was closed!! Your loss Merrick Bank.

This Bank and Card SUCKS. IF you even THINK about paying off High Balances at once, be prepared for it to take 10 days for them to release funds for use. WHAT GAME IS "THAT".

All I tried to do was CONTACT Merrick bank after 12 YEARS of on time payments and ask them for a rate decrease from 19.4%.... NOT even considered on any basis and IMPOSSIBLE to contact them for feedback or comments. I am SO disgusted with this creditor and will NEVER use them again. CUT UP YOUR CARDS AND DO NOT USE THIS USURIOUS bank card!!!!!

I got mail offer, had no fee and there was only APR thing. I was charged 48 USD fee. I was not told about it. I called customer service and told them but they refused to take off, instead were like I was at fault. RUDE... get some secured card if have low credit - stay away please. I will make sure that I won't use this card if they won't remove my unauthorized annual fee. I will be contacting again to get my account closed.

Received a pre approval for a bank card with a credit limit of 600 plus and increase in 7 months but after submitting my app number pre approval code they denied me. Well my credit hasn't changed, actually it should be better. Now I'm afraid this has cost me points for credit inquiry. This is fraud and needs to stop telling people pre-approval.

As I sent merrick bank payment center in tampa florida a money order for a payment on dec 4, 2014 by mail, as on dec 30, 2014 their customer service center in Bethpage new York on the phone tell me that they did not get my money order and they cannot tell me nothing about this place and they cannot contact them. I am a 76 year old man.

I was charged a late fee when I mailed my payment in plenty of time. They force you to submit to online payments by processing your mailed payments late.

Customer service rep. said that I wouldn't get charged the $10 fee. I let him know that if I was going to be charge the fee for running my payment through on the same date, then I would like to running it for the next day. He place me on hold, came back then said "I'll waive it!" I was still charged!

The man I was speaking to was very annoyed. I was calling with a question about my account. He was a bully. I did not want to "start" anything with him since he has access to my credit card information. If I have encountered him under different circumstances I would have told him I did not like his bully attitude. I resent having to be treated this way by the credit card company.

After reviewing my account today and making a phone call to the help center, I was told that my account was closed. The reason for the close was because I no longer have a U.S. address. With no warning and no knowledge of the closure, I am highly disappointed with your services. I should at least received an email informing me that my account would be closed on a certain date so that I could have made some type of arrangements, but no my account was closed without my knowledge. I'm currently in the U.S. Navy and sometime my job requires me to move around the world, but as long as I'm paying my bill on time, there should be no reason why account should be closed.

Recently I transferred my Merrick balance to a 0% card only to find I had a balance remaining of $40.00. What they do is separate the cash advance from purchases, and treat them as two balances. Say 25% on purchases, and 30% on cash advance, putting a small amount of principal to each transaction. The end result is: The $200 cash advance never goes away. Try calling, and pay off just the cash advance, they put the payment toward the entire balance, and the cash advance balance is still there. The information on your account page is vague. Try getting a PDF report showing complete information, such as Beginning balance, payment, what was applied to principal, what was applied to interest, end balance. Cash advance balance would be nice. The bottom line; this company's reluctance to show complete information is a red flag, to show account history, is a red flag. So I will ask them one more time, to close out my account, and part company.

They assured me based on my credit (all scores between 600 and 710) they said they would approve $700 and it would be doubled in 7 months of on time payments. I applied for the card using the pre-approval code and was denied. I am furious as I value my credit and have worked very hard to rebuild, yet these banks feel they can send false approvals which show up as an inquiry. It is crazy and in 30 years of having credit, this is unbelievable. I am very upset and I feel they have no right to do this. I want to be taken off their foolish list and never be contacted by them again. This has me furious.

My father, who is a senior and who lives on a veterans pension, has a Merrick Bank credit card. Almost 2 months ago he booked a hotel through Expedia. When he got to the hotel they couldn't find this reservation. The hotel then charged his credit card. Upon finding the original reservation from Expedia. The hotel then issued a refund to the Merrick Bank credit card. Since this date of refund, 9/5/2014, my dad has yet to have the money refunded back to his card. I have made several attempts to resolve this matter with Merrick Banks customer service department. Now, I have worked in the customer service field my entire adult life. What I have experienced with this particular service department is, by far, the worst.

I had a credit card with Merrick bank and never had a problem because my payments were always on time. I recently underwent an operation and I missed a payment for the first time. Within 24 hours of missing the payment the telephone calls began. I inform the representative that I was just operated on and I would gladly make a payment if they would waive the late fee being that it was less than 24 hours Past due.

I can't say I'm complaining at this point, but do have a concern in-regard to mailing payments to their payment center in Tampa FL. I mailed a $50 payment, money order, the same day I mailed a payment to a company in California. The California company rec'd my payment the following Tuesday and posted it. I just checked my MB online account and still the payment mailed to them has not posted. I called customer service, she only asked for my name and was told they were having "issues" with their payment center, but didn't elaborate. I called back a few minutes later, this rep asked for my account number and other info and asked when my due date would be, which they told me.

Thank you Merrick Bank for letting me keep my peace of mind at least till the end of the month. Money is tight and when my car was overheating, I brought it to my local garage, to get the problem fixed properly. I charged $525 to my Merrick Bank card and took keys but the car still continues to overheat. I called the dispute resolution department at Merrick Bank and they opened a case right away. I was so scared I was going to be out of five hundred dollars. I'm so glad I used my Merrick Bank bankcard instead of CASH!

I made application and wired my deposit into Merrick Bank on 9/18. They require that they have your deposit, in order to complete processing your application. They rejected my application within 24 hours. I called to see when I would receive my deposit back. At first they said 5 to 10 business days. Then when I call the next day, I was told 30 days. Today I called on 9/24 and the representative said it would take 30 to 60 days. This seems illegal, and if it isn't it should be, for them to require a deposit to make a decision. Other credit card companies don't require a deposit, for them to tell you if you're approved or not.

Scheduled payment (3x the minimum) 14 days before the due date. Payment was supposed to be drafted on the 1st of the month but due to a holiday it wasn't. Meanwhile our checking acct was compromised and needed to be frozen. Merrick payment still hadn't cleared so I called and warned them it would happen. They told me not to worry just keep checking to see if it cleared. It got rejected, and they closed our account. I called and explained again what happened but they acted like we were the criminals. I have always paid on time and more than the minimum but it made no difference. I finally got letters from the bank sent it to them but haven't heard back... nothing like being raped twice, once by the crooks and again by Merrick..

I purchased a new travel trailer approx. 18 months ago and the dealer used Merrick Bank RV loan department. The interest seemed extremely high but knowing that I was paying it off with 24 months, I accepted the loan. I paid approx. 2k a month to avoid the interest plus a 5k payment yearly. Today I called to pay off the remaining balance and was told 1) I could not use a withdrawal [automatic], 2) a debit card or 3) a credit card payment, only a check over the phone. Ok, but at midnight you will have my money and you still get to keep my title for 60 days?

Well every time I call and ask about the card there are different answers from different representatives. Now they said that there is no unsecured credit limit increases on the secured card yet on their website it says something different. They are liars and are fraudulent, so please stay away from this company like others are saying on this website because they are telling you the truth.

I did a credit consolidation loan thru my credit union and 4 checks were sent to creditors, along with letters to close my accounts. Within a week 3 creditors had sent me back over payment checks... MERRICK BANK on the other hand still hasn't received the check to the correct address? It was sent to the one on my bill, they endorsed it and then sent it back to my credit union and said it was sent to the wrong address. They said if the account was gonna be closed it had to go to a different address... So here it is two weeks later and it still hasn't posted to my account. When I call MERRICK BANK and speak to supervisors, all they say is "Well, we don't control the mail"... Really??? A payment sent in June that got sent a second time in August, still hasn't posted to my account in mid-September???

I paid my August 2014 payment on July 24, 2014 and Merrick Bank cashed the money order on July 26, 2014 and posted it to my account. I received my Sept 2014 statement and sent my payment in. I received a letter a couple of days ago stating that they had made an error and that they had not received my Aug 2014 payment and now my account shows 30 days past due. I already sent my Sept 2014 payment which I was told by a customer service rep that they investigated and have decided that my original payment was posted to the wrong account and I now owe Aug 2014 and Sept 2014's payments and they had to record a 30 days past due on my credit report.

I've had this credit card for over two years now and have never experienced any problems using it or with the customer service whenever I had to call. Last month I was a day late with my payment and they reversed the late payment fee with no problem. The customer service rep was very friendly and gave me great service.

Less than 1 month after paying off entire balance in full, I receive an "urgent" email from Merrick Bank that there is no phone number associated with my account!! (Horrors.) After many years with Merrick Bank (my account with Plains Commerce Bank was bought out by them) I've NEVER had a phone number on file with them. Conveniently, once my account is paid off they are needing the ability to "urgently" contact me. This is almost as bad as getting a late fee when I had mailed my payment 2 WEEKS in advance. The woman in customer service kept saying that I need to mail it 10 days in advance to make sure it's on time. She couldn't understand that I was telling her I mailed it 2 weeks - which is MORE than 10 days... This has been a truly HORRIBLE company to do business with. There's not much time left before I will cancel this account!!

Got off the phone with the rudest customer service lady. I send payment, takes almost 2 weeks to get processed. They charged a late fee and told me it's not their fault. They have no control over the postal service! Well paid in full - the late fee.

I have had the Merrick Bank Secured Visa for over a year and never once had a single problem with my card. In fact, they have raised my limit from 500 to 1000! I always use the "one time" payment tab online and they automatically take my payment directly out of my bank account with no problems ever. I always pay my full balance minus $20.00, because I heard that it is better to leave a small balance. I did not expect a credit increase on a secured card, but they have given me 3 credit line increases. In addition, everyone is super nice when I call in. Merrick Bank has helped raise my credit score from a low 600 to a high 680 in a year. They deserve my good review :)

I received in the mail last year around October a pre-approved offer from Merrick Bank that would double my credit line in 6 months if I had went paperless and made my payments on time. I am recovering some bad credit and was thrilled to have this opportunity to rebuild my credit and also get a start on christmas shopping for my daughters. I have not had a single problem with my account since I had received this card. I use their mobile app to keep updates on my account and make sure everything is correct. I had called once in february to see if I could get an emergency credit limit increase because my cat had to have surgery and the customer service rep I spoke to was very nice and explained to me they cannot do requests to increase, which I know some companies can't. He then told me when I should expect my auto increase for the double my limit when I applied and even told me how they do it.

I was in the process of rebuilding my credit after some setbacks in 2007. I had a credit card with a low limit with Orchard Bank when I received an offer from Merrick Bank for a $700 limit to be doubled in 6 months as long as I went paperless and made my payments on time. The first payment that I made was made thru their website. The payment didn't post automatically. I called their customer service. The rep was nice and advised that payments are held for some reason I didn't understand but he did advise me that if I paid directly thru my bank using bill pay, payments post that same day. I have Bern passing thru my bank for almost 2 years now with no issues. I make my payments on time and have paid every bill in full.

I received a preselected Double Your Line Visa Credit card in the mail from Merrick Bank. I tried to register with them but I was unsuccessful in getting that done, and thank God it did not go through, the program kept kicking me out. Thanks for the information.

I got a Visa Card from Merrick Bank a few months ago, and have been making my payments online on time with no problems. A couple of months ago, I decided to try and speed up my credit limit increase by making payments with my card and paying off the balance at the end of the month. Since then, I have been using the card and making full balance payments, then using it again and so on. Well, last month I had an incident in which I paid my account in full and when I went to use my card again, the account was on hold. I called them and they told me that due to the fact that there was some suspicious activity on my account, they had put a hold on it for security reasons. Imagine that!!! Paying off the balance is SUSPICIOUS!!!!! I was able to use the card again after that, and decided to do a little experiment. I waited about a week, and paid off half the accumulated balance on my account, and guess what? No problem using the card!!! Well, I got paid last week and decided to pay off the balance again, just to see what they would do, and sure enough, the bank had a problem with that.

They are the worse to deal with. I hate that I have an account with them. I closed my account with them and they are still charging me a $4.00 annual fee. Scam, rip off, high interest and too many fees for nothing.

I made a payment online and it posted to my Merrick account on 4/2. Then I get a letter stating that I had not authorized the payment so my bank did not pay it. I called my bank and verified indeed the payment had cleared my account and my account was debited the amount of the payment. I called Merrick again and they said I had to have my bank send letter showing proof it was paid. I faxed the letter. Now 3 weeks later, still not resolved. Was told by Merrick now I need to send copy of my bank statement showing it paid. I tried to fax the bank statement 7 times and failed. Called Merrick and got the run around from 5 different people. They will NOT put my account on hold while I dispute and now I am 44 days past due on a payment I paid! I am livid as all they do is transfer me from person to person! No one corresponds to say they need add'l info and they don't care to resolve the issue, just tell me I have to make my payments! RIP-OFF!!!

Opened an account based on a 12 months no interest. It is a scam! Stay away!

I applied for this card because I wanted to rebuild my credit. Most of the reviews I have read say that. The part I don't understand is how can you bash this bank, or any other bank for bad practices when most of the commenters admit to paying late or trying to make purchases that are more than your limit? REALLY?? That's "rebuilding credit"? This card, account, or any other bill I have is my responsibility to keep up with. Don't be lazy with your bills. A lesson that I have learned. Don't wait until the due date to make a payment when you know it will not post until the next business day. That's bad practice on your part. Cards work as if you had cash, so if you only had $100 in your pocket, what store on this planet would let you walk out with something that's $150? Okay... I say this with as much respect as possible... HELLO??? ARE YOU THAT DUMB. 2+2=4 to get you started on your mathematical journey.

I have a Merrick Bank card and I frankly am grateful that they gave me one about 4 years ago. My credit was bad at the time but they took a chance on me. My credit has improved and they increased my limit, etc. I just paid off the account and checked to make sure my payment was applied and noticed only half of the payment was available. I called their customer service line. A friendly person helped me and explained that they put a 6 day hold on large payments. They release half and the other half in 6 days.

I am rebuilding my credit after a life crisis and signed up for their card because they said that they would double my limit after 7 months. There was a problem with my first payment being short due to a discrepancy between their online and print statements, but I rectified it. That was over a year and a half ago. I have since never been late and always pay almost the entire balance of charges I make each month. When I called them on this, they said they didn't have to double my limit because I'd failed to abide by their rule with my first payment and that they don't accept requests for account reviews.

Merrick Bank is the absolute WORST bank to deal with!!!!!! I have had an account with them for years. My identity got stolen and I had to open a new bank account. Accidentally I made a payment online using the old account (I thought I was using the new bank account) and instead of notifying me, they sent an email stating my account was closed!!!! I was shocked after being an excellent customer for years. There was no reason to close the account. They could have had a customer service rep contact me to rectify the situation. How customer UNFRIENDLY could you be????? DO NOT GET a credit card with them!!!!!!!

My wife was approved for a secured card, and we sent in the deposit. No card was received for a month. When I called customer service, "Ryan" refused to explain or to commit to fix the problem. He would not say whether a card would be issued or the money refunded. I suspect that we have been ripped off and that I will have a hard time getting this money back.

I have a Merrick card and very thankful that I do! I'm always amazed when I hear that a payment could not be made because I did not receive a statement. You know the payment is due the same day of the month and the amount. Just make the payment!!! My credit was in trouble and Merrick also took a chance on me and I am trying to do everything I can to improve my score. Sure the % is high but I'm sure that the risk they take is high also. It has been my experience that if you make your payments on time and for the correct amount you will have very little trouble with Merrick or any other creditor. We want very little interference with government but every time something happens we want government to step in and fix the problem for us. It's called taking responsibility for our own actions.

I apply for Merrick Bank credit card and they ask me to send 200 by Western Union but did tell me how much credit they are giving me.

This bank does exactly what it promises to do; provide anyone with a bad credit history another chance at rebuilding credit. If you follow instructions to a "T", you won't have any problems. Pay your bill every month at least 1 day before it's due and all will be well. Even better, set up automatic payments and you will NEVER have a problem. Try to tack on a few extra bucks every month and you will eventually pay this card off. The high interest rate is explained long before you sign on for credit so don't act surprised. Higher interest is an industry standard for consumers with bad credit. Read, read, read the agreement thoroughly before committing yourself and you won't have any excuses when you get hit with a penalty. I'm into my second year with this bank and haven't missed a payment or been late and they are living up to their end of the agreement. If you do this exactly as the agreement says you should, you won't have a problem.

So I have been trying to clean up my credit report, so I make an agreement to pay back the money I owed to Merrick Bank. Did so in a two-year timeline. So one day, I received a call from them saying I was all done and would get a letter in the mail so I could send to TRW, only to get a call a few weeks later saying that I still owed money. So I ask how much and they tell me one more payment of $73 dollars and they say, "We're done" and I will get the letter that I paid in full. Here it is three months later, nothing. I called and now there is no answer. OMG! They got me so much for trying to do the right thing.

This is a company that charges high interest and for good reason (mine is 25.5%). I had a family emergency and needed help. Merrick gave me a card with $1000 credit limit, which was more than enough to help. 6 months later, they increased it. They are taking a big risk with your sorry ** credit. They educate people like no other credit card company I know of. They let you know your credit score for FREE and give you info on how to improve on it. If you pay on time and fulfill your obligation to your creditors, you will have no problems. Great company! Thank you, Merrick Bank. Don't listen to all these knuckleheads on here. They have an entitlement mentality and think the world and everyone in it owes them something.

Merrick Bank is one of the worse banks I have ever came across. I will NEVER EVER allow anyone that I know to get involved with this bank.

First I say that I never have written a review for a company. Not bad or good review. It's not what I spend my time doing as a busy person. But I came cross this website for the review for Merrick Bank card and I was sad to see so many false lies being said. I was divorced and I was unemployed too for I lost my job because I was ill. And my credit was very bad for many years and nobody would give me a card or a loan. Well, I get the pre-screen offer from this company, Merrick Bank, and I say to my daughter, "Should I apply," and she is an attorney and she gave me the advice to go ahead. It's worth the shot.

I have had Merrick Bank for two years. I don't know how I got involved with this card but I will get out ASAP. I need to make sure cutting them off will not impact my credit. Customer service is terrible and the fees are terribly high. Once I was charged a late fee. When I called to complain to say that the due date fell on a weekend and I paid it first thing Monday morning. They said, "Put it in writing and fax it to us." I did that. Only to have a note back saying that they understood my concern but there was nothing they could do.

I thought this card was going to be a good idea to get my credit back on track... They talked me into paperless... I never received a statement online or in the mail. I called them. They said they would take care of it. 3 months later they tell me I owe them $94.00 because I didn't make payments in 3 months. I paid the 94 dollars with a fight. Again they said they will send me an email...

I have just received an offer from you in the mail for a secured Visa, which, aside from the ridiculous 29.70% APR seemed like a great offer. Please know that after my research and reading the countless negative reviews, it is with little to no regret that I will pass on this opportunity at this particular time. Should your business and ethical practices improve in the near future and your customers reviews begin to reflect as much, please feel free to try again. Be advised that I will not be retaining a copy of this offer for my files as the current copy had gone into the shredder. Thank you again for your consideration. Also thank you to those clients taking the time and showing concern for other's credit health and good standing.

I was late on a payment. Merrick Bank charged me $35 payment due plus an additional $35 for late fee, then put my payment as $94. They took payment and the late fee. Why am I being charged again $94? I do not understand credit cards.

I've held a secured Merrick Bank card for years (before it was even Merrick Bank) and my credit limit was always $400. I carried a balance for a year or so once I didn't go back to work after maternity leave, and then paid it off in full. They then raised my limit (my first increase in 5+ years) to $650. Still with a zero balance, I tried to make a purchase of $653.95 from Amazon and they declined it. I called to see if they could authorize the less-than-$4 overage and she said, "Nope, I can't do it. What's your email address for our records?" Wow... some "customer service." I won't close this card because I don't want to impact my credit, but I won't be using it again.

As of the date of this review, Merrick Bank's website does not have a single secure page. I called to tell customer service and they told me that they have a script of what to say if someone asks about website security, but that they do not actually know if it IS secure or not. Well, I'm a network administrator and I'm here to tell you that it is NOT secure, so do not use until they have resolved this issue.

I agree with some of the comments about the payments. I made an express MoneyGram payment. I called them to let them know that I sent it and they told me that since I made the payment after 4PM, I will still get a late fee added to my account. I think it's ridiculous if the payment is made on the due date and you still get charged a late fee because they don't see it posted on your account. They do need to fix the problems especially if everyone is complaining about the same thing.

It's a big, blue "pre-screened" for credit offer that comes in the mail with lots and lots of promises that this is "straightforward". It seems really believable that you are approved for this. Fill out the application? Bam! Denied! Now your credit score is down for months because you filled out the application. Their slick flyer tells you that you were pre-screened based on your credit report, and then you are denied based on the exact same credit report. And now they have your social security number to boot. I feel scammed!

Despite payment more than the minimum due each month, my finance charges slowly but surely crept up, up, up. I finally decided to close my account. After talking with the customer service person, I almost gave up. I had to answer question after question: What was my last payment (duh, it's right in front of you), why won't you reconsider, etc. I became so irritated by these unnecessary questions that I wrote a check, paid in full and sent my payment with my cut up credit card and a personal note demanding to close my account.

Merrick Bank likes to play games with their secured credit card accounts when a consumer chooses to close the account. They will refuse to apply any security deposit you may have with them towards the outstanding balance on your account for at least 60 days. That is correct. They will hold your money hostage for 60 days on a closed account, attempting to force you to pay even another monthly payment, all the while forcing your utilization through the roof on the card to the credit bureaus if, for example, you closed it with a high balance and you were under the impression your security deposit will be immediately applied to the outstanding balance.

I, too, was charged $10 to pay by phone. When I told them the difficulties I was having with their website, they didn't seem to care. So, as opposed to being late, I paid over the phone. It became very clear to me that the number one purpose of the customer service personnel is to get extra fees at any cost. I would cancel this card if I didn't think it would negatively impair my credit. If you're considering being a new card holder, I would advise you look somewhere else.

Buyer beware, this company is simply the worst credit card to have. They bombard you with email to be paperless. On occasion, they fail to send you an email. Unaware you have a bill to pay, you will find out next month when you are slammed with charges. When I call customer service, the attitude is too bad for you. They also increase the interest rate very quickly, even if you have excellent credit and pay promptly. It means nothing. Calling customer service, they are arrogant and nasty, not caring at all what you have to say. They charge a monthly fee, which is ridiculous in this day and age, given how many companies give you cash back and have much better interest rates! Forget this company, for sure.

During an extended hospitalization, I missed a payment and was immediately dropped as a customer. When I contacted them, I was treated with disdain and told it wasn't their problem. I was refused when I asked how to reinstate my account. I resent the hit to my credit rating.

I applied for this credit card last year and I was making my payments on time. But on September 20, I made my payment on the due date and they charged me $40 for late payment when I made the payment the same day on the 20th, so I consider that I got ripped off by this people. So if you help out out, I will appreciated if you catch this people and stop them from stealing people's money. I'm not agreeing to pay any cent to them for abusing me.

I was charged $35 for late fees, when I was not late. I mailed it a week early. Then, over the phone, they said it was free to make a payment, but then wanted to charge me $10. I was told that they did not process it, because one of those days was a holiday, but they used that day to make me late! They say they love America, but really hate Americans.

This bank increased my apr to 35%. When I called to ask why, I did not receive any information. They claimed that they had sent out a letter. I explained there is no way I would allow this to happen. I would have closed the card. The supervisor told me, "Well, you can close the card, but it will closed with the 35% increase," not my original rate. I left the card alone thinking maybe there would be offers in the mail to get a new credit card to transfer these high rates, but no companies are offering good rates anymore. I called Merrick today and got the same old runaround about how they do not take requests from the customer to lower rates. Now, they have a monthly $4.00 fee attached to my account. These guys are crooks, and I'd like to know how they are allowed to get away with their crimes.

I pay my credit card with $500 on the due date instead of $15 minimum payment and they charged me a late fee (when I pay a week in advance of my due date)? Their customer service rep is rude, uneducated people who were hired to sit around and call customers by name, and I had a fraudulent transaction and they will not remove it. I had to contact my credit bureau to do the dispute.

I started out paying $30 a month, I believe I was late once and paid around $60. I went to look at my account to see why the charge kept going up. I notice out of all my payments made only 3 say posted and all the rest say processed, I talked to a representative on the phone, she said the statement read that my payments are posted, then she ask me did the payments process through my bank? I told her yes and I had my bank statement to show that, I did not get a clear answer to why the majority of my payments say processed and not posted.

Merrick has reported that I did not make payments on April 2010, May 2010, and June 2010. The payments were due on the 23rd of the month. I sent faxes showing that the payments were deducted from my checking account on April 29, and May 24, and June 25. They are refusing to correct my credit, showing that I made these payments. My credit report is showing 90 days late in payments. I sent the proof to them on October 25 and October 27, showing them payments were made. I do not know the next steps I should take. I have sent the information to TransUnion credit company, disputing this 90 days late they have on my credit report.

It has been a nightmare trying to get an issue with them taken care of. I have sent 4 different letters to more than one address and also called customer service. They charged me 10 dollars for a 20 dollar cash transaction. My regular bank’s ATM was down. So, I needed some cash and used another ATM to get money from my card. I had no idea they charged 10 dollars for any cash transaction. I can’t get an answer as to why and if this is in the contract, and I asked them repeatedly to take the charge off.

If you get a c.c from Merick, you may want to bring some KY with you and hold on. I went to pay a payment they said I can't pay now. They said go online, I said cannot do that I had a stroke. I get messed up easy. They charge me a late fee. I have told them I have a problem, I'm a handicap.

I make them a standard payment every month. Then they raised their minimum due, and I still made my normal payment. There have been no charges on the account, and they could not tell me why my monthly amount changed. They charged the late fee, and then refused to remove it. I will never get this account paid off, so I guess I will stop trying. They are ripping people off, and no one seems to care. I have been paying on this balance for two years; the amount due has not changed, but continued to claim. Why is it that the government will not step in, and stop thieves like them? They are robbing people, and no one is stopping them.

I bought two new cars within 8 months and my credit score went down a little. Merrick Bank sent me a letter of cancellation. When I called to ask why, no one I spoke with seemed to know! One woman recommended that I write a letter to be reinstated. I was turned down even though I had never made a late payment, paid on time and always sent more than asked. I was finally told that it was because my credit score went down and to wait to receive another offer from them. Is this a bank? It sounds more like a scam. I never had this with my other credit cards.

On Nov 17, 2010, I received my statement from Merrick Bank. It listed payment due as November 12, 2010. On the next business day, November 18, 2010, I called their customer service and spoke with a Christine. I told her I just got my statement and I would send out a payment that day, November 18th 2010. I said as I just received the statement if they could waive any late charge, if any, that could occur. She said yes. I also asked if I could use my account normally. She said yes.

Wow, it sounds like Merrick Bank needs a friendly visit from Bin Laden! Their scam and fraudulent business needs to be extinguished like right now.

On July 2, 2010, I submitted via online a $2,500.00 payment toward my $4,800.00 limit. After the payment was credited, only half of it was there. I kept checking everyday to see if they had made a mistake but when I called to see where the other half of my payment was, I was told that they only deposited half to my account and the other half is held for 10 days. Why would they hold a payment that comes directly from my checking account for 10 days? Is it so they can collect more interest? I'm curious as to how they are allowed to do that. I just want to get them paid off within the next month and cancel their card. I won't do business with a company that operates like this.

I called about the $8 a month fee on my credit card and the 35.7% rate. I asked if anything could be done and he said no. Even if I close the account, the rate and the fee will still happen every month. I never got anything from them. I can't believe they can do this.

Monthly payments went from $55.00 to $70.00 for no apparent reason.

The bank started charging me an annual fee of $8.00/month. I had never seen this charge before. The account has been closed for over 2 years. I called to complain, and they stated that they sent a notice of the change in my account, and that I was past the date to deny these changes, and that they were not going to do anything about the charge. I don't remember seeing anything, communicating those changes, because if I had seen a monthly fee for a card, I don't even use, I think I would have declined that. They also raised the percentage finance charge on the account.

The lovely Merrick Bank. Merrick recently closed my long standing account stating that the credit card was over its limit 2 times. They did not send me notification that they were going to do this. They just closed it, then sent the letter. I also had the payment protection plan service that I paid into for several years.

Copy of my letter sent to Merrick Bank that explains about my complaint: "I received a letter where Merrick Bank informs about changes on my credit card account (effective date 12/14/09) and informed that, at my request, Merrick Bank could send a statement of the specific reasons. I understand that Merrick Bank can make changes on my account due to the contract so I did not think about asking for a statement of specific reasons because I do not care about why. You decided and you did it and even you explained it, nothing will be changed so save a tree. My APR is 14.70% and Merrick Bank will increase it to 21.70%. It means more 7% so if at this time I pay $42.50 per month as APR, after this change I will pay $54.25. In one year I will pay an extra of $141.00.

This organization fraudulently obtained a copy of my credit report without my authorization. I became aware of this after I requested a copy of my credit report. I contacted the organization and they will not remove their inquiry. Additionally, I received a letter from them that states I applied for credit in August of 2004, which is correct. However, that does not give them the right to pull my credit report for credit in January 2009. Please help.

I wrote, emailed, and faxed this bank to let them know that due to financial hardship, I cannot resume payments on my credit card until January of 2010, but that I have every intentions of paying this debt. They have been calling and harassing me 8-9 times a day. How do I get them to stop?

I made a large payment on my account in August, never received a bill in September, got a delinquent notice on September 24. I called to find out what was going on and was told that my bill was $55 but I had to pay $115 right away. I've never missed a Merrick Bank payment. They didn't have a problem sending me a form telling me they were raising my bill to 32%. Since when do you get harassed by a credit card company if your bill is nine days past due?

I have been charged with amount that I have no knowledge about. I contacted the bank numerous times to dispute this but no luck.

After 5 years with this credit card, with no annual fee, they are now charging a $96.00 annual fee. I wrote a letter to them stating that they can not do that based on their reasons given in the disclosure and pricing appendix. They stated that they will be billing the annual fee at $8.00 per month anyway. They have billed me for $9.00 for the monthly fee. This took effect Feb 18th, 2009. I have all documents that came with this card except the paper that the card was attached to which includes the pricing appendix.

After doing business with this credit card issuer for several years, I received a letter informing me that if I did not completely pay off the balance on the card and close it within 1 week’s time, I would now be charged a $96 annual fee. I called the company to tell them I was opting out of the change in terms and expected to be able to pay off the closed account at my existing terms, as any other credit card company I have ever had allows. I was told that I had to pay the account off in full in within 1 week’s time to close it and would not be allowed to pay it off at my existing terms.

I signed a "Stipulation for Payment" in December 2008 for a debt owed to Merrick Bank. I was unaware of my right to negotiate the payment and was pressured for time and was intimidated with the fact that my debt became a legal matter. I never had this happen to me, ever. I was not in a financial position to consult with an attorney on this, so I was alone in this. I have requested twice from Suttell a fair reduction to $75.00/mo instead of $150.00/mo with no response! The first time on January 1, 2009, by email and a follow up email on January 13, 2009.

I had NextCard* [Arizona] - $700 limit - Low Bal Paid more than agreed then they bellied-up Merrick [Draper, UT] took over - mailed payments cert - they rec'd cert and lost check - IT has never come back - I kept paying around this until paid in full - while for FIVE yrs they have taken a ZERO balance to $2,239.00 on Credit Bureau report - claiming this chg'd off - Jan 2008 I have files and letters sent to Sen. John Warner and what he wrote Merrick - then FDIC - Cora somebody - supposedly settled this - Have all emails from here and over time over 250 harrassing phone calls - [Taped] Now rec'd payment plan from CardWorks this past July [2008] demanding a 40% off payment plan + $1,343.90 worth of payment coupons @$49.77 - for 36 months-

I use the above banks' credit card. In the last year and a half I have paid my bill electronically. Last month I paid the bill and paid extra because I wanted to purchase something with the card.

Electronic payments not credited until 10 days after clearance. When I checked on line to find out why was charged $6.95; though payments were received well in advance of the due date, I was charged daily interest while they put a hold on the funds. Was charged an over-limit fee, while they were holding my payment. FYI- the funds cleared the next day.

I know I am not the only person who has complaints about this credit card issuer - not really a bank - because I have seen Web sites devoted to it.

I had a zero balance on this account for over a year. This credit company charged me $8:00 a month for finance charges though I had a zero balance. For one reason or other the $8 or $9:00 was unpaid by my Bank in April.Before then, I had called the credit company to close the account. They did not close the account and were still charging me finance charges for nothing. I HAD ZERO BALANCE!!!!! I was accessed late charges of $30:00 which I paid.

Merrick Bank raised my interest rate from 19% to 26% without notifying me. I called Customer Service and was told the bank can raise the interest rate whenever they wanted to and she couldnt tell me why

For the past 2 months I have been harrassed on the telephone even on Sunday, today September 28th, I received 3 calls. They are afraid to get on the answering machine. They are harrassing me about overlimit and late fees that I have disputed but they continue to put them on my bill. They wait to post my payment until the day after the due date, so they can charge a late fee. When I talked to them I told the person I was on the do not call list and they replied hatefully that it did not apply to them, although their calls were to try to sell me a "Back on Track Program".

I had a Visa card granted by NEXTBANK for about 2 years. I was using this card to pay my MSN internet subscription bill. I was then offered a card with far better interest rates which I applied for and received. Then, in one day I cancelled my Nextcard both by phone and in writing and called MSN to have them start using my new Visa card account-which they did.

When Merrick Bank bought out Next Card, they acquired my account. I didn't receive statements, or my new card. The various employees I spoke with refused to give me my account number or any information. My address was verified several times, both over the phone and in writing and was confirmed correct. I spoke with yet another person, who informed me that the apartment number was missing off of their records.

I was avid about getting my payments to Nextcard on time. I had their card for about 6 months, (acct # 4120 6180 0132 3860), without one late payment and noticed that my statement had a late fee of $35.00 and my interest rate jumped form 9 percent to 24.99 percent. I called Nextcard, in which they stated that my payment was received one day after the due date. I very much dispute this and cancelled my account on the spot. I received another bill for my balance which stated $1,177.00 including the late fee. I mailed them a check for $1,177.00 to pay it off completely.

I am owed a check for an over balance I have with this company after I closed my account. This check was supposed to be mailed to me back in September of 2001, as of November 19th 2001 I have not received this. Each time I call I keep getting the response "You will receive your check within 7-10 days" I have received this for the last 60 days.

I was accessed an annual fee to my account. I choose to pay the account off and not pay the annual fee. So, I called and closed the account on 5/15/00. Paid all of the charges off by the due date. However, Merrick Bank is saying that I used the card during period in which the annual fee was accessed thus I accepted responsibiltiy to pay the annual fee. This is not what the cardholder agreement states. It states that you may use the card during a 30 period once the annual fee is accessed, without incurring responsibility to pay the Annual Fee.

I use Sanwa Banks bill paying service. They guarantee my payment will be made "no later" than the due by date I specify. Some on the payees I specify receive their payments before the due date, since Sanwa does do guarantee they will not deliver earlier. However,Merrick Bank payments are always posted several days after the Bank guarantees delivery.