Merrick Bank Reviews

There shouldn't be a cost for increasing the credit for customers that have an excellent track with Merrick.

I am just happy with Merrick Bank. My credit report has improved. My credit limit was increased as promised. I haven't had any problems with their service center. If you are looking for a card to help improve your credit score Merrick bank is the card for you.

I am pleased with the service that I have received from Merrick Bank, since I opened a credit card account. The promotional offer that allowed me to transfer balances from other accounts and to make purchases with no interest being charged on my account balance helped me to smooth out my cash flow while saving on interest expense.

One of the best.

This card is the best. To be succinct, it's great for someone who wants a card to reestablish good credit. They promise and keep their promise to raise your available credit limit after a few months of paying your minimum payment due on time.

So far one of the best credit cards I ever had, very friendly customer service when called them, also website very easy to navigate, but the parts I liked the most is the smart phone app. I was able to go to my account on the go, very easy to navigate as well. Thank you.

I've had my account with Merrick Bank for sometime now and have had nothing but the best experience with them. Always paid on time and rewarded with a fair credit increase, more would have been better but fair. I would recommend it and have to family and friends.

This card is portal a good card. Only thing missing to make it great is a reward program of some kind.

I accepted their offer and after six on-time payments my credit limit was raised. Merrick Bank has been a blessing to me.

I had been a PERFECT customer.... and I do mean PERFECT. I paid my bills far ahead of time and made very large payments each time. Merrick does not disagree on that point. After about 10 years with the same Chase checking account (the one I pay my Merrick bills with), my online Chase account was compromised, and we determined it best to close that account and open a new one. I made a payment to Merrick and forgot to change my account info in their system... Simple human mistake. I realized almost immediately that I had forgotten to tell them, and I made a new payment to replace the returned one. They closed my account. ONE TINY MISTAKE, and they closed my account. If a judge saw this, he would laugh them out of the courtroom.

Information needed. I had a great experience!!

I have had nothing but positive dealings with Merrick. Never any issues, problems, and the interest is reasonable. Very happy!

I'm very satisfactory with the bank.

They are fair and easy to work with. Metric Bank reviews your history and because of the service provided, I don't mind paying the annual fee.

I was trying to pay online but wanted to register a different account than the account I had already registered. As far as I can tell, that is not possible without deleting the first account. I used the bill pay feature of the account I wanted to use, so it really didn't make any difference.

I think the credit card is great and the website. Frankly I am excited about having the card.

The website is easy to get around on which I like.

I love using your website and your service is excellent.

Great service from Merrick Bank online and by phone.

Approve security measures to access account. Love the way account informations is set up via website. Very user friendly. Excellent customer service.

I've had my Merrick Bank card for over a year now and it's a good card to have.

Having a Merrick Bank credit card and boat loan I can only say how easy the process was and paying online is very convenient. Thank you.

When I first received my card I was very happy and I continue to be satisfied. I can use my card for both necessary items and for my treats. I would highly recommend it to anyone that asks me about this card. I will continue to use my card. Thank you again for giving me the chance to express my satisfaction with this card.

I really have enjoy my Merrick credit card. Never had any problems.

I love Merrick. A great card!!!

Too high interest rate. Mediocre service when you call in.

I've been a loyal customer for years with Merrick. My credit line has been raised numerous times without ever having to request one. Online payment system is easy and user-friendly. One request would be to offer a miles option for card holders.

Merrick bank has been a very professional, quality and reliable bank. I have been very pleased with the card and the services it provides to me as a customer and consumer.

Great card to have. I love this card.

Good... Super customer service.

I have not had any problems with my credit card at any time the use of it. The company has increased my balance without me asking for it.

I like this card, but I rarely use it. The website is good and the people have been friendly when I have had to call. I would like to see Apple Pay with this card.

Since the beginning of my association with Merrick Bank, I have had no difficulties of any sort either by telephone or using their on-line customer service opportunities.

I've been having trouble getting credit and Merrick Bank really gave me a chance when I needed one. Now I'm well on my way to fixing my credit!

So far as a Merrick Bank customer I am very pleased!!!

I've been satisfied.

Every time I try to make a purchase it doesn't go through. Keep asking me to call customer service! I don't get it???

My Merrick Bank card was used fraudulently in London. Merrick immediately closed the account for me and instigated an investigation. They charged back all the fraudulent activity and sent me a new card right away. Very quick and efficient.

I have use this for over a year and not have any problem with them.

I feel trusted and valued.

This card has helped to give me financial freedom since my divorce. Very grateful.

I really love the idea that a customer does not have to fill out applications for line extensions. If they pay consistently on time then their account is automatically reviewed and extended.

Didn't like that I had to contact the company, and who was assisting me said that a credit from the company who wronged me would not be processed because I had a new card #. Thank God they were wrong and the credit did process.

With on time payments you are rewarded with regular increases - I've went from $500 to $ 3150 credit limit in a short period of time. Good customer service as well.

No problems with Merrick Bank.

I am satisfied with the service I get.

I am very pleased with my experience with Merrick Bank. It has been a great relationship and I use your card first when I consider what credit card to use. Thank you.

I only have a credit card with Merrick Bank. Applying was easy and its response was quick. If I have a complaint, it is that transactions take a while to be reflected on the account. Other than that, it is a pleasure to deal with Merrick Bank.

Website is easy enough to use, HOWEVER the balances and transactions are not on time at all!!!!

Excellent service from Merrick Bank always.

Merrick Bank has been a very fair company. The website is easy to use and communications have gone smoothly. I would recommend.

After 6 or 7 payments the credit line was to be increased. It was and without contact or questions. Exactly like it was billed.

Since receiving my card, I've had nothing but Great Service. All of my transactions have been cleared in a timely manner and also my payments posted quickly. Paying my bill on time allowed me to receive a credit limit increase that has really helped me out. I will continue to recommend your company to others!

Very pleased with credit card customer services, increase in line of credit, and ease to navigate on the site. Thank you.

Very easy, well organized web-service.

I love this card and the features that they provide.

Without asking I received an email to raise my credit limit. Thank YOU.

I really couldn't be happier with my Credit Card from your Bank. I appreciate the Credit Card and the Limit you gave me.

Had nothing but good to say about Merrick.

I get my statement online and also pay my bill each month. It makes it easier for me to keep up with my spending.

Did what they said they would do! And automatically raised my credit limit after 3 month on time payments.

Great service. Doubled just as they said with no hassle.

Although my experience has been good, I think that the interest rate should be lowered for those customers that have good standing for some time. I feel that I qualify for this consideration.

My card was lost and the representatives on the phone were very helpful and professional. I've never had an issue with your company and will continue to do business.

Quick easy access to account info online or on iPhone. I also love that credit limit is same as cash advance limit. You even raised my limit automatically based on good payment history. Thanks!

I'm happy and haven't had any issues. :)

I would like to warn ALL of you to stay away from Merrick Bank credit card. After having this card for 1 1/2 years, paying on time, I decided to pay off my balance, which was $1,197.00. The amount was withdrawn from my bank account and cleared my bank within 24 hours. Wonderful, right? Wrong. Merrick Bank has only applied half that amount to my available credit - it will take up to 11 days for the rest to clear. Unbelievable!!! Never before did it take 11 days to for Merrick to post my true balance and available credit. IT DOES NOT PAY TO PAY OFF YOUR BALANCE!! I will be CLOSING this account immediately - but I guess I better wait until I have an ALL CLEAR sign from them. They are worthless!!

I have been very happy being a Merrick Bank customer. They are responsive and considerate and provide a satisfying consumer experience. I would feel comfortable recommending them as a credit card provider. I appreciate the services offered and their respect for me as a customer.

Merrick Bank is a good company. They deal with higher risk borrowers so their rates are on the high side, but I have no complaints. The website is good and their communications have a friendly look and feel.

Concern has always been about a "delayed hold" on my payment in excess of $200-$300. As a long time credit card holder with Merrick Bank Visa, I'm disappointed with having to wait for funds to be released after a payment is posted and bank funds are cleared. Long term customers (myself) should be considered for immediate applied payment whether $200 or any large denomination.

I have had this card about 5 months and never wait for my statement to pay the balance as when I was young and stupid, I got into financial debt and didn't want to stiff my creditors. So in good faith, I enrolled in a credit service to reduce my debt and pay off those high bills on some of the cards. Well the rest of them, even though I was current cancelled my accounts and it was devastating to me. You folks came along, and allowed me the PRIVILEGE of another shot and am happy to say my credit score today is a whopping 756 and am grateful of Merrick Bank and the other institutions who believed in me. THANK YOU MERRICK BANK!

Great service!!! Took time with me!

While this card might be good for those reestablishing credit, this company goes out of their way to make sure customers can't pay extra on their account to decrease the balance faster. I picked up side work doing surveys here and there and tried to apply the extra amount to my balance as soon as I was paid. Because the extra was not the minimum amount due they would not accept the extra payment (I tried online, I tried over the phone and the automated system). I called in and spoke to a rep and explained why I was wanting to pay extra and the rep laughed at me and proceeded to tell me paying it off faster would not change the interest. Wasn't trying to change the interest, was just trying to pay extra on my balance due. Customer service was rude and I plan to close the account as soon as I pay it off and move to a real credit card.

Due to a business loss, we ran into hard times, so needed to rebuild our credit. We signed up for a Merrick card, and subsequently have a couple of others. Since we paid for a year's fees, we will keep the card for that year. Not happy at how long it takes to have a deposit made directly to your website takes. The other cards acknowledge it practically immediately. It takes Merrick a minimum of 3 days. Also the other cards I get immediate notification when the card has been used. Again it takes Merrick a minimum of 3 days. Wouldn't do me much good if my card were compromised!

All good experience.

Unlike most Credit Card Companies, Merrick Bank doesn't pressure you into using high interest rate "checks", or use other unseemly methods of encouraging debt. Their electronic banking system is easy to use, easy to set up safeguards, auto-pay, etc... I haven't had to use customer service, it's just a card that I know will be there should I need it.

Merrick Bank is a great bank. They have great support if needed.

I am happy with the service from Merrick Bank. Better than average.

I am very pleased with all aspects of service with Merrick Bank... As explained in the initial mailing, my credit limit was doubled with my timely payments. The card has helped me out in so many ways, has really boosted my credit score. Thank you.

All of my experiences with Merrick Bank have been positive. Their group was one of the first to provide me with a line of credit after a divorce which greatly impacted my credit rating. Although they were one of the first, they did not take advantage of the situation with exorbitant interest rates. They provided a sensible credit limit with good rates and throughout my time with them have continued to increase credit line as I continued to keep the account in good standing. Truly appreciate their proactive approach to providing FICO scores at no cost so I can continue to watch my credit rating rise!

I have nothing but good experiences with you and I look forward to whatever comes up.

I have had a pleasant experience with Merrick Bank. I have not had any problems.

My experience bank has been excellent. Customer service has been very friendly and helpful each time I have had to reach out to them. Personnel is very customer sensitive and extremely eager to resolve customer concern or answer question.

I have had no issues since receiving my account with Merrick Bank. I received the increase in account balance as promised with no argument or problems. I have never had to contact customer service for any issues. I utilize the iPhone app to track my account and pay my bill. I love the ease of using the app, it is very user friendly and easy to navigate. I highly recommend people sign up for the card if they are sent an invitation.

It has been a pleasant experience. I have found everyone to be helpful and courteous and am highly impressed and would recommend your service to anyone. Thanks for the great service.

My experience with Merrick has been rewarding and exceptional! After the market crash of 2008 and the loss of jobs in this Country, there are fewer and fewer credit card companies that care about helping the working person get their financial dignity back. Merrick is truly a caring financial company! Thank you for all of your support and one on one customer service!

Overall I am very happy with Merrick. I was very pleased with how fast they raised my line of credit based on my payment history.

Merrick Bank has been wonderful to work with, giving me opportunities to grow my credit and plenty of information to keep me informed of any changes or necessary information, payments when due and options for monthly payments. I sincerely appreciate Merrick Bank!

They gave me a line of credit and when my payment were on time every month they increased it. Thanks Merrick Bank.

Great credit card company to do business with. I have to say they were a great stumble upon, when I was rebuilding my credit, everything they say they will do and more! Constantly getting credit increase about 2 times a year. Started at $700.00 limit 3 years ago, up to $2,900.00 and still going.

I am writing this to share my experience with Merrick Bank Credit Card. I have been using my card and never had any problems with it as well as any problem with payments and how they get applied. I did received my double credit amount on the 7th billing cycle which made me super happy. Thank you for trusting me and approving me for a card, this is the only card I will keep around :)

The CS agent was knowledgeable and answered all my concerns. I would recommend Merrick to my friends and family. Thank you for your support.

If no more annual charge I will stay with Merrick. Interest needs to drop for good paying customers.

I am very happy with Merrick. You're easy to get a hold of if I call, your website for online payments is extremely easy to use unlike other credit card websites, you update information in a timely manner and I have no complaints at all.

Love the phone app. Easy access to mobile paying and checking on credit scores.

Have not had any problems with my account. Easy to review my account when necessary. Only had to call once and my problem were solve very quickly. Have been with them for several years. Have no complaints about the company.

My experience with my Merrick Bank credit card has been great.

The site was very helpful.

I was able to accomplish what I set out to do easily. (Online bill pay, also checking on account)

I like dealing with Merrick Bank. Never had a problem with them and easy access to their website.

Thank you Merrick Bank!!!

The website is extremely user friendly and you're able to see what has been spent, what your balance is, and what your payment due is. The electronic email comes in ahead of time through your email to let you know when your monthly payment is due. Payments made through their website are made within 1-2 days which beats my local bank.

The processing of my account information was fast and accurate. The response back to me was fast.

I only came to know Merrick Bank as they took over my Hooters credit card somewhere along the line. No real complaints. I don't really like the $72 yr fee or the exorbitantly high interest rate, but if it really bothered me I would get rid of the card. What I did appreciate about the card were the credit limit increases I would find occasionally.

Everything is fine but the only concern I have is the annual fee.

My experience has overall been good Except for the interest rate which is the highest card I have. Good paying customers should get a reduction every so often.

It was fine, easy to access.

I absolutely love this card! It has been a big help in establishing my credit! Thanks so much Merrick Bank for helping me.

Your bank does not allow balance transfers and does not issue courtesy checks. Everything else is fine.

Overall good experience - website is very easy to negotiate and use. Would recommend to anyone needing to obtain a credit card and/or reestablish credit.

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.