Merrick Bank Reviews

The ease of use of website make me a loyal customer.

So far I have had no issues. Your company has performed exactly as they said they would. Thank you.

Merrick Bank has given me a chance, where other banks never have! Other banks wouldn't even treat me as a respected human being. I have a Fair Credit (due to financial difficulties in the past), and 99% of banks have turned me down. Not only Merrick Bank believed in me and probably believe in second chances, but they also increased my credit line once I reached the 6 months period of paying in time! I will always consider this as a "life saving" gesture, and I thank you all at Merrick Bank so very much! I will NOT let you down!

I have had nothing but good experiences with the website and my new Merrick credit card.

It would be helpful if payments are reflected in accounts, as pending, when made through automatic transfer.

The online application is safe and secure, and very convenient, making it easier for me to keep my account in good standing. That is what matters most, to be this something not all card services do a good job at. I especially like having the ability to setup re-occurring payments.

Customer service has been incredibly responsive and helpful when needed. I received a credit raise that was much appreciated and as promised. Thanks!

I have found the online website is very comfortable and made understandable for the non-technically user. The communication by telephone is also user friendly and options very clear and understandable. Audio of numbers is very clear and distinctive with all numbers, for example between number fifty and sixty.

Sent my payment before it was due. Merrick did not apply my payment until 2 1/2 weeks after, then charged me a late fee. Not happy at all. Will be paying off my balance and canceling my card.

The last couple of times I called customer service with some basic questions about my account they were very rude and unwilling to help. It made me feel like I was pulling teeth just to get a simple explanation out of the rep. Also the tone in which they addressed me with very condescending, I would have asked for a manager or supervisor but they probably talk to their customers the same way as well. This experience made me want to close my account with you guys but I really did not want to affect my credit.

Merrick is one of the best banks that I have had. The best customer service.

Overall happy with my banking experience. Would recommend to friends.

I have never had any issue suggestions. Website is easy to follow and customer service is outstanding.

You were the only credit card that gave me credit when times for me were down. Do like the fact you recognize loyal customers with a credit limit increase. Would like to see a lower interest rate. Outside of that I commend you and your staff for a job well done.

Satisfied. I am very pleased with Merrick Bank.

It has been a great credit builder.

The representative was very knowledgeable and helpful. My biggest complaint is almost every time I go to log onto my account, it refuses to accept my name and password. I have not changed either since I started with your credit card, so I cannot understand why I always need to re-set name and password. Your system has a problem and that concerns me. I don't know what your system problem is, but, as a good and faithful cardholder, I am tired of re-entering all information, and go through personal questions just to log in. Hope you can correct this or I may apply for a different card and look elsewhere.

They caught someone using my credit card for purchase and notified me immediately knowing possibly it wasn't me and thank god they did and handled the situation with utmost expedience and professionalism.

It is convenient. Your credit rising is great, but the interest on cash withdrawal is ridiculous. When I pay my balance off, I will not use it as much as I used to.

I never have a problem with your Customer Service. Very polite and efficient!

Very good service.

Always been fair to me. I appreciate your service and increase request when I was recently caught in the Houston area flood disaster.

Merrick Bank has been great. I have no complaints and recommend them.

I worked hard all my life and when the recession hit, my 401 k, savings, investments were wiped out. I sold my blood for food. I could not find a job. Depressed and a failed suicide, my opinion of Wall St and Bankers was actual hatred. I got a part time job at units. My credit was shot. Merrick Bank was the only bank that offered me credit. I am very grateful to have purpose in my life again. Although I feel the high interest charged is making it difficult for all Americans attempting to build their lives again, I am indeed grateful to have one bank have faith in my ability to pay.

I wish the payment postings were a little more quicker but all in all this has been a good card for me.

My experience with Merrick Bank has been great. Customer service was wonderful. I was informed about changes to my account on a timely basis. I loved the fact that you increase my credit balance due to my excellent account history. I am hoping that I can receive a lower interest rate in the future. Thanks for all you do.

Pretty good interface. No issues so far.

Experience matches promise. No glitches in service, user-friendly online payment. Would like an offer entailing lower rate, larger credit line.

Having a Merrick Credit card has been very positive. I paid my bill on time for six months and they increased my limit. And customer service is outstanding.

This has been a very good credit card company. Just when I could use a little extra money you raise my limit so I was able to get the things I needed. Thank you!

Ease - Paperless payments and security.

At this time I am satisfied with this product and have recommended this service to others.

Yes I would recommend to friends or anyone who has not so great credit to help rebuild it.

Great service. Didn't have ask for increase on my card. Automatically done it. I'd recommend Merrick bank to my friends.

So happy I opened this account. MB has lived up to every promise it made, and more.

Have not received this month's statement that is usually sent to my home address. Please correct and send a follow-up statement.

THE best company to work with. Customer service friendly, very helpful. Wish other cc were this easy and really were centered around the customers. Thanks Merrick Bank. Would recommend them to friends and family.

I love your credit card.

Simple to log in - made payment - no trouble. Would recommend to a friend if asked about credit card.

Though Merrick was able to issue me a credit card at my current billing address and I received and used it. However, all of a sudden, my card started declining because of address issues. (Note in first sentence I said I received a card at my current billing address.) No one explained to me that a chip card was being mailed to me and my current card was null and void until about the fourth time. Finally they decided to give me a questionnaire which was oh so ridiculous and I failed the questionnaire about myself because of my MOST POPULAR LAST NAME that I had to go through the rigmarole of verifying myself.

Paid more than my minimum and was told to give copy of my balance of what I had in my bank. Should not matter what I pay, the money was there and it was taking out of my account on 6/15/16.

Gave me a card. I was happy & still am.

I am happy to be a customer with Merrick Bank. I love that I received double my credit limit after 6 months of on-time payments. My main suggestion is for the CSR's to always make sure they are answering the question they have been asked. It is not a good feeling to feel like a number or like I am talking to a robot!

Merrick Bank offered me a Card with no annual fee after I went through a divorce and bankruptcy! The only group to offer a card that helped me instead of offering a deal that made me in debt off the bat with fees and surcharges plus outrageous interest rate! I have built my credit back the right way with the help of Merrick Bank, and I am taking time to do this because of their help and I thank them for that!

67 out of 68 on time payments equal a "FAIR" rating! My only late payment was in 2014, the month I had a stroke! At the time of my stroke, I was single. After suffering a brain bleed, a coma, and months of therapy... It took a month before family could decipher who I owed, when and how much. My Merrick account went over due 30 days before my family realized its existence. Thus 67 on time payments out of 68! Merrick refuses to excuse or remove the late payment from my credit report despite medical proof! They refuse to update the status to "good" at 99% on time payments from "fair" at 98.5% of on time payments. All of which are causing me credit woes when credit is needed for medical necessities - Heartless Robots is all I reach!??

They have help me out a great deal. Love this card.

Hello, I recently called because I had paid off my entire balance so when I received an email that I owed I believe $6 I called you all to see why. I was told that I get charged a monthly $6 fee. Of course I am not happy about it at all. I asked if I could get that taken off my account and the lady said no I couldn't. This makes me not want to use my card or use it as much as another card I have that doesn't charge me a monthly fee.

Recently, I just noticed they changed my due date and I thought I always paid on time but nope, they been taking late fees from me so many time. For example, my due date was on Jan 30 then they slowly change it to Feb 25, then June 23.

They gave me a second chance with a credit card and now the responsibility is on me. They raised my limit as promised and have been very helpful. Thank you!

Merrick Bank promised to double my credit limit after paying on time for seven months. The bank followed through with its promise! Since I declared bankruptcy 10 years ago and I'm rebuilding my credit history, I'm very appreciative that Merrick Bank has given me the opportunity to show my credit worthiness.

I have been very please with Merrick Bank. They did as promised by increasing my credit limit after 6 on time payments.

I find that even though I mail my payment on time, to get there when due, they seem to deliberately open it the day after it is due, sometimes, just to charge me a late fee. I am really fed up. I may quit them. I saw someone else that had had that problem on a Review for them.

It's great, easy to pay bill online. I have recommended your card to friends.

Easy to work with. Good service. Online banking is a breeze.

I have enjoyed being a Merrick Bank customer for the past 8 months. I like that they offer great service and the ability to use technology in banking.

So far, my experience has been positive & I appreciate doing business the your company.

I have had no problems with Merrick Bank. I would recommend their cards to anyone trying to build their credit.

Great customer service.

I have had a good experience with Merrick Bank since I have had the card. I would recommend them to others.

Great customer service and very accurate with the information they provided.

The customer service department was friendly and helpful. I started off small but it has helped me build my credit score. They followed through with their promise to increase my limit right on time as they said they would. I have no negative comments at this time.

Payment via phone. Very easy and fast!

As a customer with Merrick Bank, I absolutely love the positive feedback in its company in delivering excellent customer service, and its utmost professional dedication to its customers as well!

Easy to navigate the site, look up info, and pay my bill.

I have not had any problems with Merrick.

Very easy to use website, no issues.

Overall good customer service.

I have been very satisfied. When I reach my limit, it has always been increased. Thank you.

This is my first time and it really help my approve credit score and keep me up credit score up and I do like this kind of bank and I appreciate it. Thanks.

The webpage is the only contact that I have had with Merrick Bank, and that has so far been satisfactory. The website has functioned well. The speed has been good, the page layout has been good, the navigation has been insightful, and the access has been well available when I have wanted to use the site. I have no complaints about the site or Merrick Bank at this point, and I consider myself a satisfied customer, and I would recommend Merrick to my friends and family.

For the time that I have talk to a banker, I have had a great experience. Yes I would recommend to my friends and family.

Both accounts were denied and had I not been watching to see if the accounts were being paid, I would have had late payments. I called Merrick to see why. Did not get a get a very understandable reason. I have since withdrawn these accounts and placed them with another credit company. One account I had placed with Merrick Bank was accepted. So why not the other two.

Very kind and helpful telephone operators.

Merrick Bank's Visa card was a tremendous blessing that allowed me to be able to help someone in family in a very tight situation. Bill payment access, point of service seamless use and its flexible advanced credit offering are amazing!

I called in to ask about a lower APR since I had good payment history and I was told that Merrick Bank does not offer a lower APR. Once I pay this account off I'm closing it. It's no benefit for me.

I love having this card. I can always check my balance and pay online, which is so GREAT! After paying on time, Merrick Bank increased my credit line and that was wonderful. I would recommend them to everyone.

I love Merrick Bank. They was there for me when no one else would give me a second chance. I would advise anyone to give them a try. You may be surprised that you did and when it came time for my seven month review with on time payments I didn't have to balk and ask them for an increase. It was automatically done.

I would like to say Merrick is the best.

Excellent. Opportunity to rebuild credit and excellent customer service. Ive only had a positive experience with. I highly recommend this credit card. Thank you for the opportunity.

I have not had any bad experiences or issues with this card, however I do not use it much. This is because I have other credit cards that offer me rewards and I choose to use those cards for their valuable benefits. If this was provided with my Merrick credit card I would use it regularly.

I'm grateful that they gave me a chance to re-establish my credit after my bankruptcy. I just wish that once I carried out my payments on time and for more than needed I could get the interest rate lowered to a manageable rate. I would not want to consider a different card because of this. But I do thank them for giving me a chance.

I had some major trouble with credit in the past and was shy about starting a line of credit again with any bank. I knew in order to rebuild my credit I would have to find a decent credit card that could help me build but not charge me ridiculous fees or interests rates. I have had nothing but positive experiences with using Merrick Bank. I was at a point where I was serious about managing my finances in a grown up way, and Merrick Bank supported that. Less than two years of opening an account with them I had rebuilt my credit enough to buy a house! My credit is better now where I have access to higher tiers of credit but I still keep my Merrick account open. I think it is for sentimental reasons.

I am very pleased with my Merrick Bank card. They even increase my limited without calling them, or send a email which is very nice. Thank you Merrick Bank.

I've never had problems. I think the only thing I don't love is the monthly fee and the rather high interest rate. Instead of increasing my credit line drop my interest rate.

The bank has provided excellent service, increased my spending limit as promised. I am 100% satisfied.

Contact with Merrick bank. Helpful and courteous.

Merrick Visa - Very pleased with the whole experience.

I paid 450 on a account balance of 550. They are holding my funds for 11 days. They are ripoffs and thieves with the interest rate and the holding of funds. I will be paying this card off and sticking with my Capital One. Thieves.

I am elated with Merrick Bank and their staff. No problems on this end. Thank you for attending to my needs when needed.

I've only spoken by phone with representatives on two occasions, but each time I was pleased that 1) I was speaking with someone whose first language was English, therefore there were none of the ridiculous language barrier problems one finds from outsourced employees, 2) the representative was polite, professional and handled the issue with great efficiency. In one instance, my call was to inform the bank of my vacation plans so that they would be aware I might use the card outside my normal area. The second instance was to check on a credit line approval. So these were very simple issues, but if Merrick continues along these lines, I will happily remain a customer for many years to come.

Everything worked well in navigation and making payment.

I went into my local bank for a cash advance. It was easy and no trouble at all.

I am pleased with my Merrick credit card.

The online system is easy to use.

I like Merrick card services. I like the email alert for my bill. I can easily pay over the phone. I wish they could have only the last four of the account entered instead of the 16 digit. I like they trusted me to increase my limit after proving I was a good credit risk. It came in handy with an unforeseen car repair I needed! Of course I wish I could get a better interest rate. Working on that! Thanks for giving me some credit.

I only use Merrick Bank services for a credit card. I view my statement online and pay online. The website is easy to navigate. I seldom have any problems with it.

The customer service personnel are courteous and knowledgeable relative to the company's policies and products.

Service has been great. Thank you. Would like to see credit updated more often.

online purchase, but confident if appeal is necessary.

My original credit was 600 and soon I see the increase to 1200. Definitely recommend to build credit.

Easy use and customer service is great.

Easy to use the website, nice friendly people, very knowledgeable.

So far my experience has been a pleasure.

It been great!!

Excellent customer service experience when getting answers to specific questions concerning my account and payments being posted.

Merrick Bank has always treated me with great service and respect. But, unfortunately, the online website seems to be a little dysfunctional, possibly a little behind the times. Plus, there is not an app for the smartphones. Other than that, the experience has been great! Thanks for the many years of greatness!

I have always been satisfied when speaking to customer service reps.

Merrick Bank initially gave me a high credit of 1000 dollars. I paid on card on time and used about 800 dollars of it. I was late only once by a few days. I tried to use it again and I couldn't. I called the bank and was told my card was cancelled!!! She could not tell me why. I think that hurt my credit score. It's a shame that while you are trying very hard to build your credit that happens. I would not recommend based on this. Very unwilling staff. Still very confused. That was about 4 years ago. I have since built up my credit, my First Premier and eventually Chase. Don't get this card.

I've been happy with Merrick Bank.

I have nothing but great things to say about Merrick. I pay my statement balance on time every month and they have increased my limit. On-time alerts and easy to navigate online site. I'll stay with Merrick because they have been fair and great to work with. Would recommend to anyone.

DO NOT SIGN UP FOR THIS CARD - TERRIBLE SERVICE!!! I signed up for a credit card with Merrick Bank a few years back. I always pay on time and keep my below $50. They are good at increasing my limit but refuse to lower my extremely high APR. What really makes me angry is that I have paid on time or in advance every single month except this one time. I was only a few days late and I had already scheduled a payment. I tried to use the card while traveling and the card had been frozen. I had $38 late and a balance of $76, total available $2800. When I called to straighten things out, the woman I spoke to would not let me get a word in edgewise. She insisted on scolding me for paying late. I had to cut her off by speaking over her in order for her to hear my explanation.

The rates are very high and are taking advantage of people with lower credit scores who are trying to rebuild their credit. My wallet went missing once and was told I needed to pay $50 for a replacement card. Thank goodness I recovered my wallet but this practice is taking advantage of the consumer. On the positive side, I did receive incremental credit line increases over the years.

I am very pleased with Merrick Bank.

Very reliable card. I can always count on this card.

I had good credit then fell on hard times. Get a credit card that didn't have an APR through the roof, or limit of minuscule proportions, or with hidden fees trying to take advantage of me was difficult and disheartening. I felt as though I was being preyed upon by lenders. Merrick was the only bank that gave me a real chance to build my credit back and I am truly thankful. They have me a fair chance when no one else would. A great starting limit, without a bunch of fees or an absurd APR. They even increase my limit without having to beg and plead. They just seem to do the right thing by their customers and I really do appreciate having my Merrick Bank card I can trust.

Satisfied with service.

Great service. Extremely professionals.

Very good card to have.

APR too high.

Very good experience with Merrick Bank. I would recommend this Bank to a friend.

I am so grateful for how I was able to add my college daughter to my account and have security while she is away. She has had no problems using her card. Bless you so much for that.

Great card, especially when trying to rebuild damaged history. Doubling my limit after 7 consecutive on-time payments was awesome.

We have so many cards but these people are easy to pay and they are easy to deal with and yes would highly recommend to anyone seeking a good credit card experience.

I've had no problems or concerns!

I love the card and service I get from you all and I do tell people about you all.

Merrick Bank has regularly raised my credit limit. Their website is easy to navigate, and they are very responsive to possible fraud with my account.

I have had no "surprises" in my dealing with Merrick. They seem to be honest brokers.

Honestly, Merrick has given me a second chance at doing better. I really appreciate it. The account access is easy, I get my FICO (plus) and they do review your account like they said they would. It has become one of the best cards I've ever had.

It is the only credit card I have that has a yearly fee. Also there are no rewards associated with it that many other cards offer. I do like the app for monitoring my credit card associated with your bank. It makes it easy to look up and access any information regarding my account.

Because of the interest rate I will most likely pay this off and look for one that has a lower interest rate. Thank you.

I have had a positive experience with Merrick. They gave me a chance to have small credit after our bankruptcy.

There should be more security measures in place for the Merrick Bank credit cards. I was a victim of ID theft fraud when someone used my Merrick Bank credit card number. I don't understand how this happened because I still had my credit card with me. It's a nightmare handling the situation and suffering going through the process to correct everything.

Excellent service. Thank you for being fair and professional. And doing what you say you're going to do.

I've had my Merrick Bank credit card for about 8 months. I had below average credit and was beginning to rebuild it when I received an offer from them. With no security deposit they issued a card to me. I have made all my payments on time and within 6 months they have doubled my limit. No annual fee. I recommend Merrick Bank to everyone.

Respectful and very good at options, such as online access...

Y'all been pretty good with the amounts of credits y'all have been giving me. I would up to this day recommend a friend another friend to y'all. And thanks for giving me the chance to start building up my credit with y'all. I'm grateful for the opportunity y'all given me.

Merrick Bank make the use of its VISA credit card very easy. They believe in my responsibility and they are not all over me. They have a very good designed web page in which is very easy to manage my account and make my payments. I had to call their customer service only once because a dispute matter and I could resolve it in an easy way.

I enjoyed my experience with Merrick. They gave me credit when I needed it. I had several good Christmases and I couldn't have done it without Merrick credit. No other cards have given me a year with no interest for transferred balances. I'm trying to pay off credit cards, so I am using the no interest for a year cards. Also Merrick was my highest interest card, so it got transferred first. Lower the interest rate, and I'll charge again. But I did not cancel it, they are my friends. Thanks.

I have nothing but compliments for the service that I have received.

Not too happy with website because I am unable to access my account online and have to make payments by phone. I just find that a little inconvenient. Other than that I am satisfied. The automated phone system seems to be very accurate with account information.

I have been paying all of my bills on time and early plus have been more the amount. I have had financial difficulty so I am working on credit and I thank this company for offering me a chance by allowing me to have a credit card but I was charged a late fee the other day when in fact I have been paying all of my bills and I really believe that my payment was not late because from what I stated above about paying more, early and on time because of my credit. I would like a refund of the late fee. Thank you.

Really don't like that I get credit increases due to paying over the minimum regularly and on-time, but my interest rate is still sitting at around 29%. I would like to see that go down. Otherwise, I find Merrick a very easy bank to work with. I especially appreciate that they were willing to take a chance, and give me a credit card to rebuild my credit a while back when no one else would.

Merrick Bank is one of the best establishments I have a membership with. Fair, upfront and very reliable. Never had an issue. Even closed my Cap1 account after getting approved with Merrick.

Customer service persons could not reduce my APR, therefore I will be transferring my balance to a company with a lower APR. I have proven my credit worthiness, therefore I know you should have lowered my APR. BYE.

My experience with Merrick has been a piece of cake and I enjoy having the extra funds to spend. Thanks Merrick Bank.

The Customer service I have received since opening this account has been exceptional. The Website is easily accessible and easy to navigate.

I like the fact that you increase limits based on payments. However, I think the monthly fees are too high.

Sharp design, easy to use, highly valued.

Very much I am very please with Card.

Excellent fraud monitoring and detection.