Merrick Bank Reviews

Prompt response, everything was easy to understand. Will definitely use mobile app for my account information! Hope everything goes well as like the sign up for auto pay!! I would definitely recommend this credit card for anyone I know and especially family and friends!!

I am 65 years old and a business owner. Hoped for a better credit limit to raise my Fico score. The credit cards 7 month double my credit is very good. But it is time to get higher limits to lower utilization and build my credit even better.

Very happy with Merrick. The credit card is accepted in most places. Customer service is excellent. Really satisfied. I recommend to everyone. I use my card for buying gas, for groceries and to dine in restaurants.

I want to cancel my credit card immediately! I did not know I will be charged a $78 dollar fee in November when my credit limit increases. So I want to cancel this card before November unless the fee is waived. L

I'm very pleased with everything and would recommend them to everyone. Every single time I've contacted them for an issue, I was treated like I was the most important person they have talked to. Treated me with respect and they were very knowledgeable. Resolved my issue immediately. They were very nice and courteous.

My limit was raised out of nowhere with no warning. I’m assuming it’s so Merrick can keep charging me more and more interest therefore collecting more money out of me that I do not have. Also, my minimum payment jumped from $40 to $80 in less than a month?? That is a steep jump and cannot really afford that.

It's been a good card, helping me to rebuild, my credit. After my divorce, my credit was shot, needed help in rebuilding my credit, this card is helping me to do that. Only reason for a 4 star is a 5 star, it that I would have liked a higher limit.

Merrick Bank has been surprisingly very flexible and easy to use their credit card. They have provided very great customer service to me. And, providing many options for alerts on credit card activities.

Very good card. They did not lie. After six months they doubled the credit limit. Definitely would recommend this card to everyone. A lot of other cards say they will increase you when they don't. I have credit cards for three years and never increased me a dollar. I definitely recommend this card. Six months. No miss payments and they actually doubled the credit limit without me asking A+.

Merrick Bank has an outstanding customer service department that satisfied me every step of the way. They’ve have vigorously monitored my usage keeping my account safe from fraudulent charges. The process to start my account was clear and easy, and I have been using my Merrick bank card ever since. They monitor my activity and alert me to unusual activity.

Happy with my account with Merrick. Advance notice of the payment due date helps a lot. I love that I can manage and pay my account online or via mobile app. Not interested in having the credit limit raised in the future unless I am asked about that first.

So far, so good. There have not been any issues. It is a good emergency card. I have not used it much as it is for emergencies, but for the credit limit I have, I am trying to be more responsible and with this card, I am. Hopefully in the future, I will get a higher credit limit and can use the card more, but for now, it is serving the purpose.

I never heard of Merrick and before I started doing business with them - and I love them. They allow you to customize what alerts you want - their online banking is super easy to navigate and they acknowledge they have received your payment. I have had nothing but pleasant experiences doing business with them.

I’ve been with Merrick Bank for a relatively short time but in that time I’ve been taken care of when I have a question or two they get answered to my full satisfaction, they are courteous and a very helpful, all I can say about them is keep up the good work.

I wish Merrick has a rewards or cashback program so I can utilize my card more often. I have other cards with great rewards. I called customer service to see if I can upgrade to a better card but was unable to do so.

Wish you had balance transfer available! This would be helpful in the future. Makes this more available to your customers. I am sure it would be helpful to others not just myself. I hope to see this go in effect sooner than later.

I have only started utilizing Merrick's services. However, I appreciate the courtesy to be a customer with Merrick. Application was easy to read and response was timely. On-line account easy to access, and readily available. I look forward to continue my relationship with Merrick Bank.

I've used this card for my daily needs and never had a problem. It's been accepted everywhere I go. Thanks for the card. The only problem is they don't bill me fast enough. I am on ssi and I would like a statement every month.

People there are very helpful when you need them. Extending credit when I needed it most. Merrick is very well organized to where I can easily access my account even when I'm not the most tech savvy. I would certainly recommend them to others.

Very satisfied with my Merrick Credit Card. I make my payments online without any hassle. I love shopping with my card and eating out. My friends all ask about Merrick Credit and I always tell them to apply for one themselves.

The best bank in the world. I love it. It’s my pleasure to have it in my wallet. I will never forget the moment when I got my first credit card from the bank if someone asked for a credit card they need to use that bank always.

I am happy with everything and everyone who I have had a conversation or association with at MB. The quickly, personably and effectively take care of my business for me. I have already recommended them to friends.

Very professional customer service person helped me when I had an issue with a fraudulent charge. Reversed/credited the bogus charge, canceled the card and sent a replacement immediately. I couldn't be happier with their quick, professional handling.

I am new to the company and found it easy to set up and use the card. I would recommend it to my friends and family. I definitely appreciate the opportunity to have the card. I found everything about it easy to do.

Re. Missing last payment. My payment method was setup on auto-pay, but the last payment didn't get through. I understand it was due to my bank changing my account number. Thank you for your cooperation.

10+ experience! My relationship with Merrick Bank has been over one year. I have “No” complaints. This bank satisfies all my endeavors, concerns, and wants. A win-win situation for all parties involved. Bravo!

I have nothing but positive remarks to offer regarding the card. However, I would advise that when submitting a claim, you should anticipate potential denial or thorough investigation. I was charged for an item I did not receive due to my ignorance of the additional requirements, resulting in a three-hour delay at an airport with my young children late at night.

He understood my concerns and blocked my old card and sent me a new one. Thought I might have been scammed, and my card information compromised, he resolved my issues. Don't let yourself be scammed, even writing a very long review. I allowed myself to be a victim. Received a text from T-Mobile saying I had bonus points that were expiring. Didn't know I had any, so they were offering a tablet for the bonus points. I couldn't use my debit card, so I tried using my credit card to pay for the shipping. Cards were not working, called T-Mobile and they said they don't give any points and recommended I change my credit and debit cards.

Merrick is great. Their customer support is knowledgeable, courteous and helpful. Payments on time equals credit limit raises. Great company to work with. Interest rates are fair considering my credit score and a lot lower than others I have been offered.

When I made my 1st payment, I first tried to make it from my debit card. When the assistant told me it would cost $6.95 to use my debit card, I said no and that I would use my checking account. The payment was made from my debit card, and I was charged that service fee twice. I am definitely not happy with that. I was charged almost $14 dollars after I declined to make a payment by a method that would charge me.

I’ve had a great experience with my Merrick Bank card so far. The application process was simple, and I received my card quickly. The online account access is easy to use, making it convenient to check balances, make payments, and monitor transactions anytime. Customer service has always been helpful and professional whenever I had questions. I also appreciate the opportunity to build and improve my credit with responsible use. Overall, Merrick Bank has been reliable, convenient, and a solid choice for managing my credit needs.

I love the Merrick Bank MasterCard, because it helps me build my credit and the Application was easy and fast approval, and they did double my credit line after 6 months as promised, so I love it. I would recommend this card for family members and friends. Great experience.

At this time, I am very satisfied with the product. I will recommend your products to my friends and family. The customer service that I have received is very wonderful. I look forward to continued service from your product.

Great Credit Card Company. I would refer others to Merrick Bank.. Love the online App. Very friendly user. You pay your bill and see all of your transactions. Get important information about their services.

Their mobile app is beyond easy to navigate. The updates on account balances are also beneficial. The email and text alerts are also helpful which allows you to not have to log into your account constantly.

I've had a great experience with this credit card company. Their system is very easy to navigate, whether using the mobile app or website. Everything is organized clearly, making it simple to check balances, review transactions, and make payments without confusion. Overall, the entire process has been hassle-free and smooth. I truly appreciate how user-friendly and dependable this company has been.

I’ve had a great experience with Merrick Bank. Their customer service has always treated me with respect, and the entire process has been smooth from the beginning. My card has helped me build and manage my credit responsibly, and I appreciate how easy they make everything. Anytime I’ve had questions or needed assistance, they’ve been quick to help. Definitely one of the better credit card companies I’ve worked with.

So far I am very happy with my account with Merrick Bank. I should be eligible for the increase that I am supposed to get when I made 6 payments on time. We will see what happens. I have made every payment on time, actually every payment has been early. So we will see.

Great customer service and plenty of perks with this card. They made the application process easy, as well. I love the app and how easy it is to check my balance and turn on autopay. Highly recommend!

Can not log on to mobile app. Can't log on to website. I used the card one time and soon made my payment and paid of in full then was unable to use my card again. I have uninstalled the app and reinstalled and still not able to log in. Very unsatisfied with this credit card.

I have enjoyed my experience with Merrick Bank's Credit Card department. I find the easy access to my credit score very helpful as I work to bring it up to where I'd like it. The app is easy to set up and navigate- I manage my account entirely from my phone with it payments, checking on charges, getting statements, etc. I would definitely recommend them to anyone looking to improve their credit.

Don't believe all the negative reviews online. Merrick Bank was great to me. Their customer service is great and live agents can be reached 24/7 which is awesome unlike a lot of credit cards that aren't reachable 24/7. I never had any issues with my card being declined when I was traveling outside the country.

Merrick Bank is a very good card! They're helping me to build my credit! Love Merrick bank and I am so glad that I got the credit card. Thank you Merrick bank for helping me build my credit. I've been working on trying to build my credit for a long time and Merrick bank gave me the opportunity. Again thank you very much.

Poor customer service support. When called for resolve issues, you get transferred to different people. And get confirmation from staff and they don’t understand customer support in overseas staff. Very frustrating and difficult to communicate with them.

The absolute worst experience ever with a credit card company. I would turn my auto pay off because I was gonna pay with another account and they would still try to do an ACH Transfer which would result in a 40 dollar return check fee. If this had happened once I would have said... Ok well I must have forgot, but for this to have happened at least 6 times is when you ask yourself what's going on. The rates are horrible and the are using a return check fee to get more money off the top. I'll never be a part of their business EVER again!! Find another card!!

I never got the $200 back that I sent to them initially after closing the account. Assuming that it might come next cycle? Please send me the check as soon as possible. I will change this review once the check is cashed.

Overall my experience with Merrick Bank has been very good. I would like to thank Merrick Bank for the opportunity to be apart of their vast growing community and I look forward to being with Merrick Bank for the longest time. Thank you for providing security and integrity back in the credit card industry.

I called saying I hadn’t received my card In almost a month and I still haven’t gotten it and we’re going on 3 months… I didn’t think anything like this could happen… The customer service person wasn’t bad at least but just don’t think recommend after this…

I appreciate the faith that was bestowed on me to be responsible with the new credit card. I view it as an opportunity to make timely monthly payments and thereby restore my poor credit rating. I have had an excellent experience thus far! First purchase was the MacBook Air laptop M4 chip from Best Buy…

I love my Merrick Bank card, haven't purchased anything with it, but I know when I do I will enjoy every minute of it because the card is personal to me. So I will use it wisely and I appreciate Merrick Bank giving me this opportunity.

I originally had a credit line of $5000 I made my first payment in a timely manner for the entire balance. I was notified the payment was returned, so I immediately called and found that a number was missing in my bank account information. I made the payment and corrected the issue with my routing number, however I was still charged a late fee and my credit limit was reduced to $3000. This was due to a typo error.

Excellent customer service. Helpful, efficient and courteous. I have been victim of scams and attention to this matter is greatly appreciated. Thank you for your service and reliability for your customers.

I applied for this card about 3 or 4 months ago. It's a great credit card and I always make my payments before the due date. It's one of the best cards I have had. Fair credit accepted to be approved for this card. I highly recommend this card!

A credit card company with a great all-around experience and good customer service and you get rewarded for paying on time. Would definitely recommend using this company.

I had an issue with a company charging me for a yearly membership that wasn't mine. I'm not even sure how they got my card number! I reported the issue and everything seemed to t be taken care of. The funds were replaced and all was good. A few weeks later the money was taken back out of the account and the fraud team said I was actually responsible for the funds they didn't see anything fraudulent. Well that is absolutely untrue. This was not even my account.

Great!! No complaints, since receiving this card have had no hiccups, haven’t had any issues. I would recommend this card to anyone looking for a card to help rebuild their credit, send me a link and I will post it, maybe the approval parameters would help, do you have an affiliate program.

I’ve had my card account for more than 2 years. I’ve never received a credit limit increase. I called to ask customer service and they were unable to give an adequate explanation. Two year of on time payments but somehow I still don’t meet the criteria for a CLI? Baloney! Subprime lender, which is widely known. But the key incentive for opening an account with Merrick is to increase your available credit, which in turn will help lower your utilization and improve your score. If your limit never increases it just becomes a burdensome card and you end up closing the account because there is no point in keeping it open.

Received a 1099C in the mail dated 11/2025. They say that I opened an account fron NxtBank in 2001..It was an online only bank, and I did not have a computer or internet..I have been sending letters and have not received any answers or an agreement because they tell me this is old. This happening to many people. Maybe we should start Class action suit now.

I was able to grow my credit and increase my balance over time, however the unexpected charges over 49+ that pop up out of nowhere are ridiculous. I'm keeping track of my payments and all of a sudden I owe an extra $65 just for using my card.

Rip off interest rates. The government needs to control the these out of control rates they charge. They should be ashamed of themselves.

Horrible experience and I don't recommend anyone do business with them. They ruined my credit, claiming I HAD missed 5 payments, and I have two accounts, which is completely false. I've not missed one payment, I even pay extra. I submitted proof from all 3 credit bureaus, and they still will not fix this. I've contacted a lawyer!!! I hate that I ever opened an account with them. You don't treat people like this.

Worse Company ever and very unethical, they sold my debt and kept reporting on it for years. Currently pursuing litigation.

So far I've been happy with my service. Wish there were less fees though. I will give them a try for a year and see how things go. Trying to build my credit has not been easy. Merrick gave me a chance and I appreciate that.

I am happy with the service of the bank, they are efficient, professional and friendly. I will not mind to recommend this bank to a friend or relatives. My experience is that the bank is detailed. Follow up communication is excellent. Customer relation is efficient.

Merrick Bank give me opportunity to get better with my credit. I am very appreciate..Bank that you can trust. I am very recommend Merrick Bank especially for people who need help build up their credit back. Thank You very much for your business.

Very pleasant customer service. They said if I made payments on time for 6 mos they would double my credit limit and they did...Immediately, and I feel like that creates a good trusting relationship.

I rate their customer service at ten. They have very professional service. Very pleasant and courteous to talk with, very concerned about your issue and do everything within their to address it and solve it.

I am very pleased with Merrick Bank. Keeps me informed on my information of payments and purchases. And sends me reminders before my payment is due so I am on time. I think Merrick Bank provides excellent service.

I like that I was given a credit increase very soon after opening my account. What I don't like is that there are frequent issues with logging in (connection times out), which typically last for several days. Not being able to log in for days at a time is very frustrating. I have been told by Merrick Bank customer service that the issue is with my internet service provider, but it takes two to tango. No one else, and I mean no one, not a single one of my other accounts, banks, online stores, credit card issuers, etc., has this issue with my internet service provider. So, there is definitely something about Merrick Bank's web code that is in conflict with my internet service provider. This makes the issue Merrick Bank's fault.

Very upset when I found out I was unable to request a credit increase when I called your customer service. When I originally opened this card it was my understanding that I was able to request an increase over time.

I have found Merrick Bank to be very good for me. And yes I would let anyone know this. Thank you for being there for me and my family. It was good to get this bank card. And yes I do it again with no problem. It was a pleasure. Thank you.

Easy payments. Helped improve my credit. And an increase of credit was surprisingly applied. Thank you Merrick for the opportunity to have a means to spend responsible and be accountable. I am now hoping to receive another increase So my credit score will be raised. The card is secure. I can easily see my transactions history. Email communications are great for the heads up when a monthly payment is due.

Agent attended me quick and resolve my issue in less than 2 minutes. At end I was very satisfied. I would recommend this card. I have no bad complaints since I received my card and have used it. Try it out. You will not regret it.

I am very happy with my Merrick Bank MasterCard. I was given a $1250 credit limit at the start and at six months with on time payments, my credit limit went to $2500 as promised. The app keeps me updated on my spending and I elected to receive texts when I exceed $100. I have not had to contact customer service as of yet.

This card is such a great benefit. When we have an emergency or unplanned bills, it is such a relief to know it's there. I used it for groceries the other day and will use it today to fill up my gas tank.

There is a delay to win this. Actually reports to the credit bureaus. I wish it reported within so many business days of a payment but I have made a payment and it's taken a couple of weeks to a month before it actually reported. Other than that I have no complaints. Great card. Easy to build your credit back up and super easy to use the app.

Merrick Bank has Excellent customer service service… I’ve called In and my call Immediately pickup and question was handled quickly. Also when making pymt it’s a step by step process that’s easy to follow. I also like that my statement Is easy to read..I’m glad I’m a customer.

This credit card is helping me rebuild my credit and after 6 months gave me an credit card increase without me asking. Great card and service. I would tell anyone to use this card. It's wonderful. If you want to get a fresh start, try these guys, they worked for me.

I've had no problem with my card or services. Got increase on my card that I wasn't expecting. Can use my card anywhere. I hope I can continue to have and get the great service I've received so far. Thank you so much.

I am rebuilding my credit and received an offer for this credit card. I was pleasantly surprised to receive a generous credit line with the promise of doubling it in 7 months (after meeting the criteria). This will be right before Christmas! Thank you!

Great credit card and was happy to have it. Easy access to account and payments. Recommend. Glad to get bigger credit limits. Glad for online access. No issues. Probably better interest but hope to make some bigger payments.

Merrick is a credit card that keeps you informed and up to date with your account. Website is easy to navigate and statements are easy to read. Customer service is very helpful and knowledgeable. Never had any issues.

Horrific experience with them. I turned autopay off on my account and they repeatedly kept attempting to do an ACH transfer which is like writing a check. Since the money wasn't in the account to be paid then I was charged 49 dollars every time extra because of it. Then my account was closed out by them, and I paid 200 to get my account in good standing, they kept my 200 dollars. How can you have a prepaid credit card and owe them for the 200 that YOU put on the card. Merrick Bank card is the worst I have ever seen.

On 2 different occasions my payments to Merrick Bank have mysteriously disappeared in thin air. Very poor customer service on resolving the issue. Closed my account and will never return to merrick bank again.

I just received a 1099C cancellation of debt in the mail. I had to call the number on the form to find out what it was about because I don't have this credit card anymore. I was told I had this card back in 2004. It's been 12 years and I am now just getting this 1099C. Around that time I know I went through bankruptcy and the credit card was probably put in it. I do not ever remember getting a notice that I couldn't put it in the bankruptcy and to continue my payments.

Credit karma recommended Merrick Bank to build my credit so I got the credit card and two months my credit went down 100 points because of this card. They have outrageous interest fees and they charge you for using their card on shopping fees and then of your day late they charge you $29. In December I paid $85. I made three payments just to be in the negative of -14 because I was caught up and now I'm negative $14. I went down again and my credit I've already gone down 100 points in 2 months with this card. They have outrageous interest and fees. They have fees for everything. They make up fees for everything. They frustrated me. I'm no longer using this card. I'm cutting it up. This Bank Merrick Bank do not get it. Do not get it. If you're trying to build your credit trust me do not get it.

I'm very pleased with my card and customer service. After a year of having this card my credit limit has increased as advertised, payments are easily made through the app, and my credit score has risen over 50 points after a year of on time payments.

I have a language barrier. I haven't received my credit card. I contacted the bank, but there was no translator available. I speak Mandarin. Ineffective customer service. I tried contacting customer service, but there was no one available to help me get a replacement card. I don't think your service is suitable for me.

It's been a pleasure having this card. Easy to make the payments set up online everything so I can see everything. I'm just really happy with this card. I'm hoping it will build my credit back up over time of using it making payments on time. It's a good card.

I was lied to, was told one thing and then was told then was told that was false and will never happen. I’m about to cancel my card. I wanted my secured card to become unsecured and was told that after having it for a year with on time payments. Which they were. Don’t appreciate being lied to and I’m very dissatisfied.

It’s been a great experience so far. Easy to qualify, easy to use my card and payment scheduling was a dream. I’m looking forward to rebuilding my credit and increasing my limit through responsible use.

I have not had to contact anyone about any issues yet. I have had my account for almost 8 months and everything is fabulous. I love this account so far. It was the best decision I made to get this card from this company.

Merrick Bank was one of the first companies to take a chance on me, even with a low credit score. They've helped me to begin working on that. I am most thankful to them for taking a chance on me when others didn't. I couldn't be happier with their support and services!

So far so good. Working on getting the balance as low as I can so that I can take advantage of the automatic increase. I am trying to rebuild my credit as best as I can and I feel that Merrick is giving me the opportunity to do that. Thanks so much!

This company is such a fraud and scam. It should not take over 30 days to get my $500 back! Corporate hides corporate hides. They don't they don't want to talk to the little people so I will let them talk to my attorney! It should not ever take 30 days to get my money back after repeated phone calls.

I got approved, don't use it though. Everyone gets approved would be an understatement. I had a hard time applying. But the qr code made it easy. I got approved ASAP. I liked it. Tell a friend. I will. But I don't wanna share info to other people about me or extra money eye places like yours.

I would definitely recommend you to others. Definitely helped with my credit score. Pay on time and get a credit increase in 6 months just like they said they would. Key to building your credit is you have to pay it on time but best to pay off before next due date and you will see your credit score jump.

Payments can be easily made. I have also enjoyed that they gave me a opportunity for a fresh start. This card is also accepted everywhere, very convenient to use. The design on the card is also nice. I would definitely recommend this card to others. If you don't have this card, surely apply and give it a chance. It will be worth it.

Other than interest rate being high due to my credit score, Merrick Bank card services have been great. After 6 months of on time payments my $600 limit was automatically increased to $1200. Very lucrative cash advances and great overall card service. Would highly recommend to a friend with marginal credit score.

I want the great part is I have not had a problem with them at all. I pay on time. I paid before my time and I was surprised here recently. I checked and I had an increase on my amount that I can spend which was a very happy surprise during this time of the year during Christmas so I greatly appreciate the bank and appreciate all their assistance.

I was so impressed, so easy To pay my bills online and you get the confirmation right away and they send a reminder before due date and you get a notification/ alert - text message on your phone verifying if you are the right person making the purchase. Person making the purchases.

It’s been a great experience having this credit card. It’s helped me be able to get the stuff done that I need to get done. And within a short time, my credit increased, which was great because it helped me in the time of need. I will definitely recommend more people to apply for this card. Customer service phone calls are awesome as well. They take care of the needs that we need.

The agent helped me in overcoming of my personal issues. I highly recommend this company in dealing with my account and being able 2 help in my hours of need. I will recommend this company to family and friends. I pray that this situation never happens again. I highly recommend your company.

Very pleased with my credit card. Always informed with what's going on. My account is online so I am able to check my credit limit, if a payment has gone through and my balance. I would recommend to friends. Love the convenience and customer service they have with any questions I have or when I'm waiting for a payment to go through.

Yes, I will represent somebody to your company. Thank you for giving me the credit line that you have. I haven't used the cards yet. I need to talk to somebody about the offer you said. If I did one use of the car before 7 months that you would increase my credit. I am free advertising. I told people about you guys. Thank you so much for giving me credit. Have a blessed day.

I am extremely happy to be a part of the Merrick Bank system. The website is very easy to access and completely informative about any information you may need. If needed customer service is very helpful and the staff is respectful and knowledgeable. Thank you for an amazing banking system that I appreciate.

Merrick Bank helped me get back on my feet. Payments are easy to make. Building credit and getting your credit limit raised was as promised in the offer. Monthly payments are ridiculously high, and your balance is easy to bring down. Would highly recommend if you’re needing to start over.

The website to make payments and review the card is very user friendly and I have never had a problem with the card. The reminders in my email are very helpful as well. And I received an unexpected increase in the credit limit which was helpful. Overall a good card.

Always seamless. Very good app as well. Easy to navigate with great interface. Very happy with Merrick! Great communicators as well. Merrick Bank has a great reputation; that convinced me to apply for a credit card. If there was a brick and mortar branch close by, I'd be likely to switch to Merrick.

.

Got the offer in the mail. Tried for kicks and giggles. Got a new card. I've only had it for a few months. So far so good. Let's see if making my payments on time for the next 6 months actually get me the increase the offer letter was talking about.

Was exactly as stated. Came on time, and I had forgotten about it so it wasn't expected. Easy payment screen. Have not used customer service yet. Reliable, user friendly, I would let a friend know but I really don't talk to anyone.

Professional, convenient, and great customer service. I'm glad I chose Merrick Bank. I will refer my family friends constituents, colleagues, neighbors and strangers. They double your rewards is very generous and gives me more purchasing power. Thanks for allowing me to be a valued customer. I looking for to a great new year with Merrick.

I have a few credit cards and I find the Merrick Bank mobile app is the best of the many Credit Card apps I have. It’s easy to use and it’s streamlined functionality make it better than the others. I don’t get annoyed using it and I can find what I’m looking for, no problem.

Great experience. They raised my limit as they stated they would when I opened the account. App is easy to use and I set up automatic payments. I have not had to call with any problems at this time. I enjoy using the card and receive updates via email. I will continue to carry this card with me.

Took a change on me when no others credit card company would - accepted exactly when I needed it. Great company to deal with, payments made easily and great website. Accepted anywhere and very easy to use. Website super easy to navigate and easy to get information needed when needed. So happy I applied for this card and was able to received it.

Hi. I find the payment system to be a wee bit odd and complicated. If I want to make an extra payment I have to change all the previously selected payment choices. It would be much easier if there was a way to make an extra payment without having to change my preferences.

I am happy with my Merrick card. It has been a big help to me, it comes in handy when I need it. The payment plan is also affordable and I can manage. Even when shopping for groceries or paying a bill or even getting a cash advance this card was a great help. Thank-you Merrick.

You need people who can speak good English so we can understand what they're saying. I was told they will get back with me so far they haven't got back with me at all and supposed to send me a email. You really need to get people who can speak English good. It's been 5 days now.

My card has been very useful for my needs. I haven't had any problems with using it where ever I have went. I have shared with family and friends about the card and payments. I have had no problems with my payments going through promptly. Thank you for trusting me with this account.

They failed to send me a replacement card before expiration day and refused to expedite one free of charge when informed. Unwilling to even correct their own mistake equates to an irresponsible company. Avoid.

I Absolutely love this card. I have not had one problem. The terms are awesome. Excellent customer service when I call or use the online service feature. I highly recommend Richard to anyone that is just starting their credit history or rebuilding. Great terms and user friendly my score was raised in less than 60 days.

Never have any issues w receiving my statements or my payments. They answer all questions and are always kind. I called about a charge I seen and didn't remember doing it, I even got a little frustrated trying to explain myself and the lady on the line never once talked down or had an attitude with me.

Every aspect of dealing with Merrick Bank has been refreshingly smooth, and to the point. I really like how uncluttered, and minimal the web site is. Most Banking and credit card sites bombard you with confusing junk everywhere, and Merrick Bank is attractive in its simplicity. Even when you have to call for support it is very pleasant.

My first card to give me credit, after a divorce. Always grateful to them to give me a chance! I didn’t have any way of ever getting credit after my ex financially bled me dry. Merrick Bank gave me another opportunity to try again!! Now I’m using the card responsibly and only have to worry about myself! Thank you Merrick. I can now build credit again!!

Customer feedback is excellent in letting me know how I'm doing and doubling my credit line. I am extremely happy that Merrick Bank gave me this chance to improve my credit. I would recommend to anyone needing to improve their credit. Letting a customer know how they are doing and how much they are appreciated is extremely important. Thank you very much!

I have only had my card for a couple of months. But I love it. And also the fact that my credit will double in 6 months. As long I make my payments on time every month. This card is great for all purchases. And is a great card to rebuild my credit.

I thank you for giving me an account, helping me to build and get a better credit rating, thank you for being available when I needed y'all for my financial assistance, I'm looking forward to continue to be part of your financial organization and I'm going to keep my obligation on point. Thank you again.

Good customer service, quick to get back with you regarding any questions or concerns about your account. Fair credit policy. This credit card was suggested to me by a friend. After researching my options I applied and heard back with their decision to give me a credit card within 24 hours. I’m very happy with my account at Merrick Bank and have also referred it to my friends.

The online platform should handle all requests and requirements. I shouldn’t have to send a letter to dispute a transaction. I canceled my order due to the website I ordered from being a scam site with counterfeit clothing. In order for me to file a dispute, I have to file it by mail. I shouldn’t have to do that. I should have an option to file my dispute and attach all of the corresponding documents online. I’ve already submitted a payment towards an order that I canceled. I’m not happy with this. I should be able to contact customer service and get the support I request.

I have always had great service and no problems with this card, easy to use, easy to make payments. I would recommend it to anyone. Is accepted everywhere. I have not had any issues with it whatsoever. I really appreciate the fast service that I get when I go to Make a Payment. I would highly recommend.

I'm very happy with Merrick Bank. I find them to be very fair, honest, and professional. So glad I signed on with them. They were kind enough to extend credit to me when my score was low, only to allow me to pay it back to them on time, so my creditworthiness could once again be established. Thank you, Merrick Bank.

Using the card has been easy, just like with most cards. Getting customer service is not easy. You autobot and canned responses don't work well. I think you have been threatening to cancel my card if I don't use it more. Is that an empty threat or do you actually do that? I don't like it.

I have enjoyed Merrick Bank. I know anyone that wanted a good Bank it get in touch with them. The Bank has always been there when I needed the help. So I do appreciate the help the Bank has given me. So if anyone wants to know how I feel about Merrick Bank I would give them a 5 star rate as I'm concerned. Thank you

Still can't set up my online account. Have to call in payments, have made three phone calls now and still not fixed. That's all I want, need to do with problem not getting solved. I just call in my payments. If you can fix great. If not no bother responding to this survey

I'm very happy to have the credit card because I believe it is helping me improve my credit rating. For a long time my credit has needed improvement. I believe that this card has contributed to that. It has really made me feel better to have this card. I appreciate it. Thank you.

Merrick Bank credit card has always been great to me with all of my needs. They continue to never let me down when I need assistance in a kind, understanding and timely manner. I Will always recommend this company/credit card to any friend and/or family member that is in need of a credit card etc.

Fast, easy service….no issues at all, thankfully it’s been easy sailing, no problems issues on my part or Merricks, payments go through all my charges are no problem even with my recent overseas vacation, everything has been more than perfectly fine, all my dealings online payments, charges have been smooth, I am still waiting for a credit limit increase hopefully. Other than that I am happy

I’m really satisfied on the service. The website is easy to navigate, really happy when everything about the card. Sorry but I don’t understand what you guys want, or are asking, all I can say is I’m really happy with the card and the service. Please let me know if is something specific you guys want me to write about.

I like the service Merrick Bank have given me. I appreciate the opportunity to receive and enjoy my credit card. And yes I would refer friends and family to apply for Merrick Bank MasterCard. Thanks again. I'm so glad I receive a credit increase after 6 months for being on time with my payments

I have had no issues using my Merrick bank card. It has been a good experience all around. I used my card for one of our big early Christmas present so that it will be available on Christmas morning and I will be able to pay for it over time without any extra hassle.

I'm very satisfied with my experience with Merrick Bank. I would recommend this bank to my family and friends. It's very easy to pay my monthly payment online and it's easy to know my balance, etc. Thank you.

I like the credit card very much. The website is excellent. I haven't had any trouble using it. The interest is a little high but I understand why this is. My credit rating is not that great but I do appreciate having the card/ Eventually, as I build up my good credit I'm hoping the bank can lower my interest can be lowered. I also would like my credit amount raised. Thank you very much. --- Barbara

I have had a great experience thus far with Merrick. The website and App platforms are user friendly. They are both easy to navigate for payments, statements and review of your account standings. Easy to update profile settings and review information on file. I have not needed to contact customer service, so I cannot review at this moment.

Since being a customer of Merrick Bank I have had nothing but great service and I am very happy with your bank, I would recommend friends and family. Thanks for great service and please keep up the great work. I hope that I can be a long term customer with your bank.

Merrick Bank has been Awesome thus far. They Keep their word. They are Very transparent. I respect them extending credit to me And increasing my limit when they said they would. I'd Love if they increased limit every 6 months... That would help my credit score tremendously. I would definitely recommend this card to others if given the opportunity.

Everything from the application to the daily maintenance of my account has been convenient and never been confusing. I'm a Luddite, so that's saying a whole lot! Something you may find interesting; I posted a review of the app through Google. It was less than sterling. To my surprise and appreciation, a representative reached out to me almost immediately. They were pleasant to converse with and listened to my input carefully and with respect. Afterwards, I had to update my review to give much credit when it was due. I have not received anything except an invitation in my email to give my review.

I've tried numerous times, both online and in person to charge something and it get denied every time. Not once (after 6 tries) have I been able to charge anything. I tried paying my car registration - denied. I tried paying my internet - denied. I tried buying gas - denied. I tried buying groceries - denied.

Simple to get and easy to use. No problems so far and like that they send you statement other than like most email you it or don't even send you anything. Would tell anyone that is interested in getting a card to apply and will probably be approved for one.

I’ve had a positive experience with Merrick Bank so far. I was very pleased to receive a credit limit increase, which shows me that they recognize responsible payment behavior. I appreciate how clear and easy the account management process has been, and it motivates me to continue making on-time payments and building my credit. I look forward to earning another increase as I continue showing a consistent payment history. Overall, I’m happy with my experience and feel encouraged by the progress I’ve been able to make with Merrick Bank.