Merrick Bank Reviews

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.

This is a very good card to have on hand.

Great card to have. Very good customer service.

I am happy with my service, fees and my credit limit. I have been treated fairly and have used what is offered to me.

I have had a card with Merrick Bank and the interest rate has never gone down. Why?

I love that Merrick Bank rewards you with credit line increases based on your timely payments without requesting. That says a lot about customer loyalty to me.

Any problems can be solved online quickly.

The site is easy to maneuver and works well with my Quicken software.

No issues with card and very very helpful when speaking with a customer service agents and would highly recommend to all my friends and family.

I have not been paying $4. fee. Why now? Thank you.

Haven't had any complaints. Easy website to follow. Happy overall.

Each time I have called the customer service dept they have always been able to immediately help me. More importantly, they are eager to help and don't treat you like number. And that is what really matters in the end to me.

I had a very positive and friendly experience using this card.

I like this credit card because one of things. They raise your credit limit you are in good standings plus if you need cash is there for you if needed. That's why I would recommend someone.

I called and spoke with a nice and knowledgeable male about a payment that I made that was not posted. He checked and explained that he does see the payment and give it 48 hours to be posted to account. Please note that he was very patient because I did have many questions.

I have only used the automated system for my calls and pay online. Both system is excellent and experience no problems.

Paying my bill. I was satisfied with the process once I found the right place.

Overall I'm happy with the experience except that Merrick Bank does not work with Quicken 2016! I'm unable to use Quicken to log in and update my accounts. The only option Merrick Bank offers is to manually download the quicken file which is a pain in the behind. All my other accounts work just fine except Merrick. It's not fun trying to balance my statements at the end of the month.

Had a problem with my automatic payments but it's resolved.

I was contacted by Merrick via email that my card had a potential fraudulent charge. I confirmed that I had not made the charge and the customer service representative removed the charge and cancelled my card immediately. I was sent a new card within a few days. Thank you Merrick!

Internet banking very effective and secured.

When I called and asked for a card to be issued for my daughter the customer service rep was very informative. She asked if I would like her to be reported to the credit companies which I had not even thought about. What a great idea to establish credit for my daughter. Merrick Bank has always been of great assistance on-line and on the phone.

I think your bank is easy to work with and I have never had a bad experience. Therefore I would recommend it to other people.

No complaints. They raise my limits regularly upon prompt payment. They flag any transactions they think might be irregular activity. I would definitely recommend this company.

One of the easiest credit card companies that I have. Fantastic app and credit line increase.

Nothing but problems with making payment. Mailed payments to the address on the website, payments never posted. Spoke with customer service, they said it was mailed to the wrong Po box for the type credit card I have, even though that is the address they provided me on my statement. So then I switched to online payment and they took the complete balance I owed instead of the payment I authorized. When I called about the issue I was told by their customer service dept to dispute the charge with my bank to get the balance back. Now I cannot use the online bill payment option. Before I mailed my latest payment in I called customer service and asked them for the CORRECT mailing address to use. Mailed my last payment in 2 weeks ago and as of today it has not been posted. Dejavu...here we go again.

Merrick Bank has locked me out of my Merrick Account Login for no reason. Their website functionality is a little behind the times. You can't even contact them via e-mail. Poor customer service. I cut up my Merrick card and only use my Capital One cards. Consider a Capital One Card instead of becoming a Merrick Bank Customer. Never had a problem with Capital One.

My experience with Merrick Bank has simply been horrible. I honestly feel like this company is run out of somebody's home, which is very scary when your money is involved. Their customer service is incredibly rude and unprofessional. I dealt with a woman named Daja whom didn't know much and she went as far as yelling at me when I asked questions then refusing to answer other questions, like when I asked if this was run out of an office or home. Yes I was frustrated but I never raised my voice or got rude. I even asked for a supervisor and she said she wants to know why I want to speak to supervisor and fought me on transferring me for several minutes.

Again! I pay my bills each month before they're due. I use my Merrick Bank card a lot. I pay on all my credit cards every payday, and never have a problem! If you borrow money, you should expect to pay interest! This company helps people re-establish a good credit rating! I'm sure thankful to have their card!

Great rebuild card. Would love to raise my credit limit.

I had a couple of dings on my credit so I wasn't sure I could get a card at the time. Merrick Bank was there to help! It's been two years and I've had a couple of credit line increases! Thanks Merrick Bank.

I love my credit card. It never lets me down and it allows me to take cash off of it unlike some other cards that I have. I told my daughter to apply.

We are pleased with the service that we have received from Merrick Bank and have no complaints.

I've been treated fairly since Day 1. They've honored their commitments to me just as I have lived up to my responsibilities to them. If anyone is looking for a good deal on a credit card I recommend Merrick Bank.

Service has been very good. Personnel are polite. I appreciated the terms. I receive the statements in a timely manner. They are in a good format and easy to read. I certainly appreciate being able to pay via telephone. I also appreciate to be able to hear my balance, available credit, next payment due, etc via telephone.

A great credit card.

Had an excellent experience with the bank.

Merrick is one of the best banks that I have dealt with since utilizing credit for purchases. I had a rough start in the beginning due to various issues, but Merrick had no problem offering me credit in my time of need, and continues to provide excellent service with fair interest rates, fees, and credit increases when the account is used responsibly. I couldn't be happier.

I went with Merrick Bank because of the opportunity to raise my credit and establish a great payment history with a bank. I also joined because of the six-month incentive. Everything that Merrick Bank promised, they delivered on.

Very easy to use.

Merrick Bank does exactly as they said would. At the end of six months our limit was raised. This is extremely beneficial to our situation.

Excellent website and great people.

Customer service is always easy and quick and friendly.

Easy to use, easy app to make payments, and track spending.

I'm very please with my experience thus far. Thank you for giving me a second chance!

My experience with Merrick Bank has been extremely excellent.

Great company. Raised my credit amount without me having to ask since I'd made all payments on time.

I have been working on rebuilding my credit, after filing bankruptcy 4 years ago. This credit card has been very effective, and fair! My credit score has improved, and I am THRILLED with Merrick Bank!

THE TIMES I have called customer service they have always been professional and efficient. Thank you.

I would like to thank Merrick Bank for entrusting me with a second chance at credit with their UNSECURED Visa credit card after a terrible divorce. They also kept their word as the card offer said and doubled my credit limit after 6 months of on time payment history. Thanks Merrick Bank!

The winter is my slow season for work. So (I can not remember exactly which month it was) I made two payments in one month while I had money so I would not have to make a payment when I knew it would be slow the following month. I made two payments in one month to cover two months. Well the following month when I had no money budgeted for this particular bill I get a message saying I had not paid my bill. I called and the customer service rep I had to talk to was extremely RUDE. I was extremely frustrated because I had done my part. She did not talk to me like a person and since then it left a terrible feeling about this company. That is the only real dealing I have had with this company.

I was traveling and forgot to notify them my transaction was declined but as soon as I contacted them they helped with my transaction and was able to finish shopping.

I called because of a denial on my credit card. I had not received the new one sent out. The customer service representative was very helpful! He was very kind. And a new card is being sent out.

Merrick Bank has help me to get my credit life back. Thank you for believing in me by giving me a second chance with credit.

I answered survey and pressed send. It read "Could not complete, try again later". Did this twice. I am now on desktop and will do this again. I made an online payment for June. Then paid off a day later. Received statement with a charge of 92 dollars for interest. Called and spoke to lady. She said because billing cycle had closed the day before payment in full was received, interest of 92 dollars was billed. If statement closed, then why does it show both payments? I have been a long time client. Never late. Pay 3 dollars a month just to have this card. I would have hoped that she would have offered to negate this charge for good client relations. Rather she was void of any personality or emotion at all. I would like this interest fee returned, or at least the clear the current 73 dollar balance to make things right (in my eyes). I will keep card open and continue $3 fee, as well as continue to use. This will be appreciated.

Verified that there was no any issues with my card, and clarified the credit increase criteria.

Everything is great. I would recommend them to friends.

I have always had a good experience with Merrick Bank.