Merrick Bank Reviews

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.

Going to be going into my 8th year of bankruptcy soon! Have been trying to repair my credit and for the most part have been successful. Merrick was kind enough to accept me as an unsecured risk at a detrimental rate of 24.65%. So my card gets minimal use for very small dollar items, since I do not wish to pay the usury rate of 24.65 for a minimum payment. I find it curious that Merrick will raise my limit (to what purpose I have no idea) but will not lower my interest rate! You could a million dollar limit on this card and it wouldn't make a bit of difference. I'll never spend more than $100.00 AT THE VERY MOST in any given rate. Pay in full every month and the bank makes $0.00. Does that make even a little bit of sense? No. If I was at a reasonable (consumer friendly) interest rate I would more than likely spend more and not be so unwilling to make minimum payments (so the bank could make money) if an emergency arose.

I'm very pleased with Merrick Bank credit card. I paid on time and they rewarded me with an increased credit limit, and I appreciated it. Easy to pay online. No complaints.

Good experience so far. Would like to see them increase my credit line more on an automatic basis as the years have gone by.

I was able to make payment and we were proud you raised our credit cap and rating. Thanks.

A good card. My experience with Merrick Bank has all been positive.

No complaints, great customer service.

The ease of the application process and the customer service has been great up to this point. I have no complaints at all about my experience to date.

Every time I needed to speak with the customer support they promptly helped me with my questions and needs. I'm very satisfied to be a Merrick Bank member.

I have been very happy with my experience with Merrick and would definitely recommend it.

I have had a credit card with Merrick Bank for a few years. Increases to my account have just been granted without having to ask. I feel this is a show of good faith and it's very much appreciated. Thank you Merrick Bank.

My experience with Merrick Bank has been excellent.

The company has given me credit increases. I am a great pay master.

I have had nothing but a good experience when I've either called about my balance or when I've paid my bill online.

I have had over 30 surgeries so paying bills when you're not working becomes tough. Merrick is helping me get my credit back and I can't thank them enough.

I feel I can trust you as you have trusted me. It is nice to see a bank that realizes I work hard and honors me with credit increases since I will endeavor to always be deserving.

This card has been Wonderful!

Other than the interest rate - I am loving it. The card is accepted everywhere. I haven't had any issues what-so-ever. I can't complain about anything.

Merrick continues to work with me in helping me to build my credit.

I have no problems with any of the services of Merrick Bank.

Statements are always accurate.

My card was easy to set up with payments and posting is immediate, although my credit rating was not the best, I received a fair interest rate. My credit rating has improved two fold.

Wonderful experience with Merrick Bank.

I have enjoyed dealing with Merrick Bank. I have had the Merrick credit card for some time now and there have been no issues or problems. Merrick has routinely increased my maximum credit and the payments have gone through quickly. I have no complaints with their customer service at all.

I am re-establishing credit following a bankruptcy and this card has allowed me the opportunity to do just that and doubled my limit within the first year!

I like how Merrick gives you a second chance to help with your credit score plus gives you an opportunity to have credit for emergency and everyday living. The experience I have is wonderful with no difficult or mess. When I called the representative was professional and courtesy.

I've been banking with Merrick Bank for several years now. I've never had any problems and would refer them to anyone. I did use my credit card once when I lived at **. The company that I charged payment to billed Merrick twice and I had to pay for both charges even though it should have only been billed to my account once. I filed a disputed charge complaint with Merrick Bank against the company but Merrick was unable to retrieve the money back so I did have to pay for the duplicate charges put on my Merrick account.

I've been happy and satisfied with all my transactions. I understand everything and my contacts have been courteous.

I obtained a credit card from Merrick Bank when my credit wasn't excellent. Because of Merrick Bank and hard work my credit is better. I received nothing but support from them, and am extremely pleased I have credit with them.

This has been one of the best experiences I've had dealing with a credit card. The limit was exceptional and gave me the buying power I needed. I'm impressed. Thanks Merrick Bank.

I make my payments on time. I called to see if I could get a lower interest rate... I was told Merrick does not do that. Very disappointed.

I went on vacation and my credit card was used to hold the deposit. A week had placed and I contacted the resort, they advised they released it and my credit card company had to release it. The resort contacted Merrick with me on the line as well. The representative was very rude to the resort's billing personnel. She was impatient. I was completely embarrassed. I had to apologize to the resort agent because it was my card company. The Merrick rep stated the resort would have to call without me on the line. The resort rep called me back and advised she was hung up on first and then after calling again found someone to assist her. I was completely mortified and never knew your customer service staff was so unprofessional.

Site is easy to maneuver and the credit score is invaluable as I try to get mine back up to its former top scale.

They have been great.

I have been very pleased with my experience and relationship with Merrick Bank. To date it has been a very positive experience and I would strongly recommend Merrick Bank to my friends. Merrick Bank has rewarded my credit habits positively without having to be ask.

I like the way my key information is available as soon as I get to the website.

Spoke to a nice CSR, Tiffany. The automated system kept cutting me off when trying to enter my last four of my SSN while trying to activate a new card. She was very pleasant.

I can say that this card has helped me build my credit back after going through bankruptcy. It helps to keep me on track and in case I forget to pay I have set up recurring payments online or I can make a payment by phone. When my credit score goes higher my credit does too.

Merrick has been a great company to be a part of.

I recently received a new card in the mail and activated it online with no issues. Very efficient process.

I've sent them registered letters numerous times asking them to close the account for about 6 years. They refuse to do it and it shows as open on my Credit Reports. When I've protested with the Credit Agencies, Merrick reports it open.

After our Chapter 13 Bankruptcy, we had no credit cards and really didn't want any. BUT in our society, we found it was almost a must in some situations. Travel and rental cars to be specific. We had borrowed short term from Amscot and friends during the bankruptcy period, as my income fluctuates greatly. Merrick Bank gave us a dignified way to reestablish credit. A normal card with grace period and rewarding us for responsible use of card. If we do need short term quick cash, the interest rate is way less than Amscot! We do not carry a balance, but the safety net and dignity this card provides is invaluable to us at this time and we will stick with Merrick Bank! Customer service the couple of times I have called is also very good!

So far I have been pleased with Merrick and the services received. Everything has gone smoothly, no problems. Website is clear and easy to use, too.

This is my first online review I've ever done and I'm doing so because this company deserves this review. I have not always been conscientious with taking care of my credit and therefore, I haven't applied for anything for over 10 years. I was a ghost! When out of the blue, I received a Visa offer from Merrick Bank for an opportunity to help re-establish my credit. At first, I thought I'll try it but I'm sure it's too good to be true. I got online and completed the double your line information and was approved for what they promised... Then I received my card a week later. I have never been happier.

I have always received great customer service from Merrick.

I struggled for many years with addiction. When I got sober four years ago my credit was horrible. Merrick Bank gave me a chance when not many other companies would to start over and rebuild my credit which in turn rebuilt my life. For that opportunity I will be forever grateful. Thank you.

Merrick Bank closed one of my card after noticing fraudulent transactions and issued a new card. The old card is showing up as owing money, which my mortgage company needs a letter from the bank saying that the debt is cleared and my card has been replaced. I have been calling them twice a day for a week now asking them to fax a letter so that I can present it to my bank. One day they are saying I owe $1, the next $0 and not faxing the letter even though they promised to do so. In the meanwhile I cannot close the deal for my mortgage till this is cleared up. Maybe they are racist or prejudicial.

I had an issue with a repair to my vehicle and your dispute department resolved the issue for me and recovered a sum of money for me. Without their help I would have just been out. That kind of service will not be forgotten. I have and would recommend your card to all of my friends. Great experience.

Great experience with Merrick Bank. Have been very pleased with this bank card. Would recommend and continue using.

I run a business with my daughter and when supplies are needed, I am so grateful that you are there!

While there have not been any issues for months now I am pleased and impressed with your service and the security you provide.

I am very pleased with this bank. They have been great to me. I haven't had any complaints. As long as you keep with your responsibility in paying on time and being good about it. The rewards are great and the customer service is great as well. A good company that keeps its promises.

I was pleased to have been approved for their card at a time when my credit score was very low. They initially approved me for $700 and although I had a rough start because I lost my job in the process, I eventually got all my payments in on time and now make it my business to never send a late payment. It took a long time for me to get an increase, but 6 months ago I went up to $900, then recently it was increased again to $1100. I was very pleased because it was a nice surprise! Overall, Merrick did not give up on me. I also liked that they did not charge me a fee for the increase like the Applied Bank Credit Card I own that charged me like $100 dollars if I accept the increase. Now I can see my credit score every time I log in which I love! The only downside is the crazy high interest rates which I hope get lowered. For now, I will stick with my Merrick card.

After about 8 months I couldn't be more pleased with my credit card experience. It is a breeze to use and with online accessibility it's very easy to view my account at any time.

Merrick was true to their word that they would increase my credit line in 6 months with timely payments.

I have had a great experience with my credit card. They increased my credit like they said they would.

Haven't had any problems. Website is easy to manage and pay bills online.

Good helper. I like to talk to her.

I am very happy with my experience with Merrick and I would recommend Merrick to my friends.

I am very satisfied with my account with Merrick Bank. I have had no issues at all. I would recommend to a friend.

Was told if I bought an item and paid it off my credit limit would be raised. I bought a fly rod. Paid it off. Credit limit was never raised.

I have had an uneventful experience with my Merrick Bank credit card. I pay my bill in a timely manner and have had no problems whatsoever. Thank you.

I'm sure glad I am a Merrick Bank's customer. Making a payment using the automated system was easy, and the customer service representative was friendly and helpful.

At a time when I needed to establish some credit for me personally Merrick bank afforded me the trust. I would pay my obligation to them. Since then I have been able to get credit and pay on time. I appreciate the trust and faith they have given me. I would recommend Merrick bank to others.

Merrick Bank has given me the chance to build credit and get established in the financial world. Very clear and hassle free system. Definitely straightforward. Extremely satisfied!

Needs better rewards. Card only provides credit line and it takes forever to receive a credit increase.

I was pleased that I was able to get a credit card and was pleased after proving I was responsible. The limit was raised after 7 months.

Wonderful easy website to pay my bill. Receiving an increase on my credit card makes me feel good about improving my credit score. I really appreciate this opportunity.

Once I understood how the minimum calculations are made, I set up automatic payments from my bank account and I actually had my credit amount doubled. That is too cool. Thanks Merrick Bank!

I have always paid my bill on time and have had no issues with Merrick Bank Visa. They have raised my credit limit a number of times. I would recommend them to a friend.

They have been a wonderful credit card company. They send me emails when my payment is coming due. They said that when I had paid on time for six months, they would up my credit limit and they did. They keep their word. I love these guys.

I was late in paying my bill due to my computer crashing. I was not able to access the internet, therefore, I could not recall my due date. The Rep was very helpful in giving me extra time to pay my bill to keep my account current.

When I was at a low point with my credit score, Merrick Bank gave me an opportunity to rebuild. My experience is excellent. The card's easy to use. There is always someone to manage your concerns. Would recommend to friends. Thank you Merrick Bank.

I applied for the card to have a Visa card. Getting approved, receiving the card and registering the card was easy. I have not had the opportunity to use the card, so all is well.

I expected that after a year of paying off balances in full someone would have offered a higher credit limit. As it is many purchase are made with a different card which has provided higher buying amount. It is a MasterCard and I would like my visa to be of equal limits for larger expenditures that require higher limits. I have no intention of using credit cards except as a bridge within the month of the expenditure because I don't want to pay the high credit charges imposed by the bank. Thanks for asking.

I have had no negative experiences with Merrick and I would recommend their services to others. Only reason for not 5 stars... their website is hard to navigate. Not impossible, just time consuming for me to find what I need quickly.

Receive emails when my statement is available.

I was told in the beginning that after seven months of on time payments that my credit limit would double. They were true to their word. I did not even need to request the limit raise. It was done automatically.

I bought a dress. It was the wrong color, wrong size, and the material was stiff so it didn't flow. It was a full length dress so it looked like a tent. I returned the Dress to the Company I bought it from. It cost me 50.00 to return it. I sent all the information to Merrick Bank including the receipt and form I got from the post office. They still have not credited my account and seemed to be more concerned with the company I bought the dress from than they I with me... Their customer. As of now I have no dress, no money and am also out an additional 50.00 for postage. I have never seen a credit card company make such an issue over a return and dispute issue. They have no regard for their customer.

Helped me out at a bad time. Have been very fair. Would recommend them to others.

Easy access and security questions every time is good practice to protect consumer especially now that identity theft can easily access most of the information we put in any gadget we used. Hopefully this practice will protect us more from those thief.

Merrick Bank is fair in all their transactions. No hanky panky. Accurate & transparent statements.

Happy with the experience. Would recommend to a friend. Really pleased the service.

Merrick's services are excellent and customer friendly. From the easy on-line application, payment by phone, to representatives that take time to answer all your questions I have had an exceptional experience. The extra $700 after 6 on time payments is a great perk.

Great. Gave me a chance to improve my credit.

I think this credit card is good. They give you increases over time and the rate is what is expected for someone with less than perfect credit. Good for rebuilding. Do not care for the annual fee at all. That's the only disappointment. Wish after a time period of good history it could go away.

Online payment and account overview - Site is very easy to use, clean in its layout.

Merrick offered us credit when no one else would. We have always paid cash and lived within the concept of "if I don't have the money then I don't need it." We don't like to owe anyone for anything. Well, we decided we wanted to buy a house and in order to do so, we needed to establish credit. Merrick came to our rescue and as a result opened many doors for us in the credit world. We have been very diligent with our credit and still spend cautiously. We have been pre-approved for our home and expect to close shortly. The APR is high but we have sidestepped most of that by being responsible and routinely paying off the balance. We were high risk so this was expected. Overall a big thank you to Merrick.

Service is good and I am pleased with everything.

Excellent customer service.

I was a little disappointed that my payment was not made available to me. I'm sure it was in the terms and conditions but the representative I spoke with made it available.

Recurring payment - I need to pay more than just minimum payment but not the whole amount. You need to have a way to pay more than minimum.

I love how you guys took a chance on me and I'm hoping to get a lower interest rate!!

Back in 2011 I ran into some financial hardship, I lost my job, and had to file bankruptcy. Since then I've been working very hard trying to build my credit back up. Merrick Bank gave me a chance. Thank you for letting me prove myself. Not only did you trust me with a credit line, you increased it prior to the year for review. I appreciate Merrick Bank very much.