Merrick Bank Reviews

I really like the service I receive from Merrick Bank. They have been easy to work with as a credit card company. I would definitely highly recommend them to all my friends and family for their own credit card needs. I am looking to them for any additional banking needs that I may have.

So far excellent customer service and your web site is very easy to use and navigate....Like I said so far so good!! I wish all my cards were this easy to deal with!! I had originally received an offer from your company and did not accept it but my fiancé recommended you to me so I decided to take a chance....I have never looked back!!

There is no cash back. The interest rate is higher on this card than the others I have. Lowest credit limit of any card I have. And the 36 dollar a year fee to just have the card. I will be using less and less of this card.

I like Merrick Bank because they tailor to each individual cardholder's needs and desires. They frequently analyze your spending trends and adjust your account accordingly. One of the best credit cards I own. Their cashback incentives are quickly posted and readily available for your use. The other credit card companies should try and emulate.

I love having an account with Merrick Bank. I thank for allowing me the opportunity to do business with a great company. They have been a real blessing. Always been helpful when I need them. I hope Merrick allow me to continue to do business with them. I love my Merrick Card.

Love Merrick! They have great service, and it’s incredibly easy to manage the app. Love the ease and access to my balance, purchases and limits. Appreciate the emails about due dates and when I have a new statement. They even raised my limit after a certain amount of time. Would definitely recommend them to friends and family. Thank you Merrick for helping me boost my credit!

Good experience so far. It was easy to apply and I was approved very quickly. Easy communication and ease of paying my bill on line is great. I haven't had a credit card in a long time and was hesitant but I have been very pleased with this card. I will recommend Merrick to my friends and family.

Great Credit card for anyone who is trying to establish and build credit. I would have loved to have given it all five stars but unfortunately this credit card carries monthly/yearly fees. There also is no incentive to use this credit card as your daily every day credit card, there is no rewards or incentives.

No issues, great card, I’ve used it a lot since receiving it, the online and autopay options are great! Autopay is what I prefer, because I never have to worry about missing a payment and the option to pay off the balance keeps me from paying interest! Merrick is my new favorite card.

I have been actively trying to get resolution on a charge I have disputed. I have sent a certified letter to the security department and have had no response since. I am seriously considering closing my account with your company after all these years. I have requested for the camera footage to be reviewed from Bank of America to show that the ATM machine did NOT dispense money to me for this transaction. I am terribly frustrated.

Great card so far. Easy app access to pay bill and check balance anytime. The card is pretty too. Haven't needed customer service yet so not sure how that is. Will definitely refer a friend. Highly recommend to anyone who wants to build credit.

The ease of using the app and all the function access. The ability to schedule payments, review purchases. I wish it were possible to request credit limit in app without affecting credit score. Possibly add feature at no cost to add additional users. As a reward to loyal customers, offer a reduction in interest rate for tenure cardholders.

I really appreciate the services of Merrick Bank and how it has helped me to get back on my feet. I am a grateful customer for the opportunity to be with this company. I want to say thank you again for helping me. I would recommend this company to my friends and let them know that they will be in good hands.

I really need to get my credit score up. Merrick Bank help me get it up. I would recommend this bank card to all my friend and family. It didn’t take long to get an increase on my credit line. Thanks Merrick Bank for taking a chance on me. My credit score has really increased.

I had to request some old statements that I couldn’t get online and I was able to get them with a quick phone call and email. The Merrick representative was very easy to talk to and get what I needed without any hassle. I appreciate the ability to get what I needed without waiting and having to go through multiple menus. Simple and quick.

I have been using my credit card with Merrick as a credit builder after some major hits due to a divorce. There have been no hidden fees, credit limit increases have been well paced (for me) and I have been able to fairly easily get information to any questions I may have. Overall, very happy with the service.

Your team has done a terrific job with the ease of using the website! Compared to others I utilize, this one wins hands down! The benefits associated with the card, are really terrific too! Would highly recommend to friends and family, banking with you. I receive just the right of information from the team in my inbox, which I truly appreciate!

I like Merrick Bank credit card. It comes in handy. I use it everywhere for everything. I got my Husband a card from Merrick Bank and he enjoys his as well but he mostly uses it for vacation road trips, hotels, things like that. I on the other hand uses my card for everything.

I feel like you're interest rate is way too high. I'm trying to pay down my bill yet the interest rate is enormous and makes it hard to pay it down. Why do you have to charge such a high interest rate? I do thank you for the increase in my credit but again I don't like the high rate that I'm being charged.

I love my Merrick Bank card. I used it all the time. I will recommend it to my friends and family. Is easy to navigate on the website. Real easy to talk to customer services. They're very helpful. Every time you call they always ready to help. Also every time you used the card they send you a warning to see if you are doing the purchases.

I think I’ve had this account for a couple of years now but I haven’t received any notices on when my account will be in secured with a better interest rate. How long do I have to maintain a good credit rating before I’m entitled to this benefit like most people with established good credit?

Unhappy because I talked to rep before first payment due and was told everything was set to come out of my checking account. After a few days of checking I noticed the funds were not withdraw. Called again and was told payment had not been set up causing late fees and account being locked, however he also told me my account info, so that was confusing. I am trying to better my credit and this is not it.

Tried to open a CD. Got to the verify deposit to fund stage and their system failed. Customer service had me delete browsing history and allow pop ups and still their system could not complete the application despite the fact that the micro deposit was made. Message is if they make it too difficult do not go further. Too many other more simple on line banks than this one was for me.

When I have had to call to resolve an issue, they were helpful and very professional. App to make payments is very easy to follow. Since most app are very comp spell complicated this app makes is easy for me. There was 1 incident where I thought someone had put something on my card and Merrick Bank help me get it straight.

I have been a Merrick Bank Credit Card user for 3 years now and have only had positive experiences with them. They offer great financial products, great customer service and you can talk to people when you call in! Wonderful company, I highly recommend them for your financial and banking needs.

Had a credit card in my middle name. They took a payment until I paid it off and then had a problem because the card was in my middle name and bank account in my first name. They asked for several different things like authorization letter from my bank did that well it was not good enough. They wanted my ID faxed to them, did that, it was too dark to see it and wanted me to do it all over again. This is the worst credit/banking system I have ever seen or have contact with. I advise you do not get account with this people. They cons and will not help in any way.

This is my first month of having this card and so far I'm happy with it. I will update after 6 months and a year. No complaints here. App is easy to navigate and use. I'm sure I'll continue using and liking this card. Thank you, thank you, thank you.

I am satisfied with Merrick Bank; however, I would like to see more benefits for cardholders. It took quite a while to get a line of credit increase even though I have an excellent payment record. Also, it would be nice to have cash back rewards. I just find the benefits very limited.

They always communicate well about changes. They have given me opportunities to increase my credit limit and let me me know when those opportunities arise giving me the option to accept their offer, they are also very professional when I submit my payments to make sure they are posted accordingly. Their mobile app has been convenient and always accurate allowing me to keep a eye on my account wherever I am. I am very pleased with their credit card. Have never had any issues, disputes.

I am SSI and receive my check on the 3rd of each month. I called to change my due date from the 1st to the 4th so I could make the payment in time. Your customer service representative was very helpful and patient. He understood my concerns and was able to explain the process and changed the date.

I am very happy & satisfied with the service and card. I REALLY Like a lot is the email you send to verify payments received. That is great & a relief. Thank you for the wonderful service. We are recommending to friends. We hope to use this card for many, many years to come.

Merrick Bank Mastercard is the only one I carry. The bank's software makes it very easy to make payments and monitor my account at any time from home or away. I found my default payment date too early in the month and it was simple to request the date be rescheduled. I'm very satisfied with this credit card.

This is very accurate and as fair as possible. I'm on social security I get paid on the 3rd of every month. I was nowhere near my limited line of credit but because I didn't pay the bill by the 28th, I think, you shut my card off. I'm 52 year old man not a 16 year old with my parents' gas card. That's what you treated me like. I tried to straighten it out with your customer services people and dealt with probably one of the rudest women I have encountered. In short, just the worst services which is why I canceled my account.

Merrick Bank has always treated me with professionalism and respect. I had a security problem with my credit card and they were wonderful, I was transferred to the fraud department where they credited me back for the charges right away, froze my card and sent me a new card right away. I love Merrick Bank.

Card served its purpose, but interest and fees are still a bit much. Most cards take advantage of those of us with bad credit or reestablishing credit by killing us with fees and interest. This card is no different. I'm used to it and not in a good way. It is what it is at this point.

There's a serious bug in the app. It won't allow me to make payments from my Android phone. It has become a very hard situation instead of easy. Now I'm seriously delinquent on my account and this card was supposed to help with building my credit not killing it!!! Whatever assistance can be offered in making this app seamless to use and easy to pay the bill for Merrick I will feel satisfied as a customer!

Very good service, very clear billing and statements. I like the fact that they donate to local charities like boys and girls clubs. Happy with the fact that if you make your payments on time you can double your account balance. No harassing phone calls, even when you are a little late.

Very happy with services. First card offered to me to help me rebuild my credit. Has been very good to me over the years. I would heartily recommend this to anyone hoping to start rebuilding their credit. I will keep this card in my group of cards as long as I use cards.

I am very satisfied with my credit line and your customer service is outstanding. I appreciate the opportunity to rebuild my credit and would recommend Merrick Bank to a friend. Your online services are very convenient and is easily accessible. I look forward to a financial relationship with my account.

Merrick Bank has been accurate, and caring in my dealings with them. The few times I've had to speak to them, their customer service employees were always very helpful, polite, and knowledgeable. Each time my concerns, or my needs or questions arose, they were also each resolved in one call.

Merrick had been great to deal with. Excellent service! They are fair and give periodic limit increases. Nothing negative to say! I was skeptical at first however after dealing with Merrick for a few years now, I'm glad I decided to give them a chance. It was a great decision and I'm happy I made the right one. If you're on the edge do yourself a favor and give Merrick a chance. You will not be disappointed.

I am very pleased with your company. Every time I call or use your app I have nothing but good experiences. I would definitely recommend you to my friends and will continue to be a customer. Thanks. I can’t say enough to express my appreciation for all you do. Thanks again.

I was able to set up my account with no problem. Customer service was awesome. They are easy to work with and very courteous and friendly. I will recommend a friend. I believe that the frontline which customer service represents the company's ethics, and if they treat you with kindness and respect, it’s probably the reason they are so very helpful and nice.

The customer service department is very helpful, courteous and is always very helpful. I would definitely recommend Merrick Bank to anyone that is looking for a credit card.. I love the idea that if payment is made on time as a Merrick Bank will increase your credit limit which is a great idea..

Merrick is a great help to reestablish my credit. Although I haven't talked to anyone person, all is handled online. Goes off without a hitch. Timing is great, I've set up to get alerts when bill is due, no fuss with autopay. App is easy to navigate. Would definitely recommend to anyone trying to reestablish credit.

I absolutely would. I have been very pleased with the level of customer support I have received. Outside of the credit increase that AUTOMATICALLY gets applied with on-time payments, the customer service agents are knowledgeable and courteous. No callbacks needed to resolve issues. I get text messages to help me manage my payments, emails that help me monitor usage and keep an eye out for fraud...I am very happy with Merrick.

The card really helped me when I needed it the most. When on a fixed income the card helped out at end of the month. My credit was fair but it helped my credit history. I have a few other payments that will be paid off soon and the extra money will go to this card.

I have been with Merrick Credit Card Bank for over 5 years I will say that they have "Good Friendly Customer Service, Online Access, Over All Helpful Features, Great Credit Line, Also Have Periodic Increment In Credit Line For Making A Payment On Time Will recommend To Family And Friends". The credit line helps to build a good credit for all kinds of consumers.

Always has been smooth sailing with Merrick. Appreciate this company. They helped me get back on my feet again and I appreciate that. Help boost my credit as well and the interest rate isn't as bad as my other cards. Easy to pay through the app and very easy to navigate through the app.

I was on hold for almost an hour and I was forced to hang up because nobody answered the phone. And I was told that it was only going to take 25 minutes before somebody would get back to me. And I find that that is very unprofessional and customer service base.

All forms of communication have all been professional and complete. It's all very professional. Thank you for your service and time. I would gladly recommend you to a friend. I have said everything I can say about how wonderful this card is. Thank you, I hope this is enough for you guys. I'm very happy with the services.

I have made 100% on-time payments for this and every other account I have, far above minimal payments but, minimal/no credit increase has been offered to me. I am much more apt to utilize a card when the available balance is significant. I would appreciate a token of appreciation in the form of significantly increased credit lines, annual income is near $175,000 and has bonus potential nearly double. I would happily use the card if this were taken into consideration and my available balance increased substantially.

The young man was very helpful. He was patient with me and I appreciate that. I didn’t have a long wait time to be connected with a representative. I was not put on hold either. It’s unusual to actually get someone on the line quickly. He didn’t act like I was bothering him. Also he wasn’t rushing to get done with my call. It was a pleasant experience.

Your automated system is easy. I like the billing letter. It was a convenience to be accepted by Merrick Bank as a customer when I was in need of financial help. I hope I can remain a customer of yours for many years. I have not had to talk to your customer service and hope I do not have to. So if everything keeps going well that would be great not to have any problems.

I have made multiple attempts to get my log on username and have not been able to get it. I was able to change my password multiple times. This has caused me to be late on my payment. The process to request your username needs to be addressed or at least changed to use your email address.

My Merrick card is my number one card..I use it for the Holidays.. I have had no negative experiences with Merrick Bank at any time. I would definitely recommend Merrick to any and all of my friends. Thank you so very much for your customer service. Again thank you all so very much.

Still early in my tenure with Merrick Bank but so far I have been pleased. Received my new card in the prescribed time. I have had no issues when using my card. And finally, when I paid my bill (by phone) your system was easy to maneuver, understandable to use, and performed as it should, which is huge for a relative technophobe like myself.

My APR is ENTIRELY TOO HIGH. Eventually I'll be forced to pay it off and cancel my card if it's not lowered. I have called several times and have been denied each and every time. I hope you will consider lowering I in the near future, as I would love to retain your services and keep my tenure of almost 10 years with your company.

I have never had any problems with using this card or when I call customer service for questions I had. The paperless statements are always clear and accurate. Auto pay is always on time. I would and have recommended this card to several of my friends and relatives. I can't say enough on how good the customer service is and how I like this card and service.

We bought a 07 Saturn for one thousand dollars. After changing the oil and cleaning it I hope to sell it for three. If this plan works out well I hope to do more business with Merrick Bank in the future.

I have filed a fraudulent activity on my card and I have not received any refund for it. Every time I tried to use the card it automatically declined the transaction for no reasons. However, I thank you for increasing the credit limits but it’s not helping if you will fail in protecting my credit and do a proper investigation to refund the stolen money out of my credit.

I've been a long standing customer & always paid my bill on time. Earlier this year I disputed 2 charges, as they came in after I had canceled a service. They denied the claim, which irked me because they never bothered to ask for supporting documentation. So I called & asked that they reopen the dispute & review my emails that explicitly show when I canceled my service, along with their confirmation of said cancelation, all dated prior to the charges in question. They still denied the claim & told me I needed to take it up with the provider myself. Absolutely no protection for their consumers & of course, no recourse. I will be canceling my card & posting reviews on every platform I can find. The worst experience when dealing with unauthorized transactions. They don't care about their customers at all.

Merrick Bank is the credit card of choice for myself, although I do have other cards Merrick is way easier for me to make payments and check on my outstanding balance. I have also received an increase in my credit, which I find very helpful. I make my payments whenever I want or need to, I don't have to worry about a "Runaround" like I get with my other credit card. I am very pleased and happy with Merrick Bank, both with the credit card and the services I received. Thank you, I appreciate the opportunity to have a credit card that is working to help hard-working, every day people like myself. ❤️

I was approved for this card with little to no hassle. I then received the positive credit increases, as advertised, at the regular increments of 6 months and 1 year in. I have had literally no issues, or complaints with this card, or this company at all, whatsoever. I would happily recommend Merrick Bank to anyone who is trying to improve their credit score. Thank You Merrick Bank!!

I contacted Merrick Bank customer service in August about a charge on my card. I waited in the line for assistance for two hours. When I finally got to speak with someone, they said they would take care of it. I ended up having to call back a little over a month later because my card had been cancelled but I had not received the replacement card. When I spoke with an agent the second time, they informed me that a replacement card had not been ordered for me.

Have had a great experience with Merrick Bank. Enjoyed receiving a credit line increase for making my monthly payments on time. Glad I got the opportunity to apply for their card. If my friends are looking for credit I will definitely recommend Merrick Bank to them. Very pleased with my card. I give Merrick Bank five stars ⭐️ ⭐️⭐️⭐️⭐️.

I have had this card for many years now and I am with the service that I have received. If there was a problem, customer service has been able to resolve any concerns I have. In the past I have recommended to a family member and a friend who asked me of credit card to consider to rebuild credit and I suggested they try Merrick Bank.

I would recommend this to a friend, very satisfied. I have no trouble. I am very satisfied with your services. Very very satisfied with the use of the card and how helpful your company is the use of it.

I love my Merrick account. Easy to use, the app is great. Have never had any issues with my account, customer service is great. I recommend this bank to everyone. Have a great day, thanks for reading my review.

I am very happy with my credit card. The website is easy to use. My account was easy to set up. I'm not an expert with online sites but I felt good with this site. The perks associated with my card are great. Overall, a good experience. If you are looking for a new credit card, I recommend you look into a Merrick Credit Card. What are you waiting for? You won't be sorry.

This bank gave me the opportunity to build my credit, to help out in my daily life, they took a chance on me when no one else would. I am a forever loyal customer, I would recommend them to anyone, they've never let me down. I'll do the same for them, not only do they give you great rates they always stay on top of your account. They are always willing to help in any need and making payments are easy and quick, takes less than a few minutes, this is my go to before anyone else bank.

Haven't had this account very long. So far things are going well. Haven't had no problems with the card or using it. Customer service has been kind and very helpful. Seems to be good for help building my credit rating.

I have had Merrick for a long time and they have been excellent!! I would recommend them to anyone. If I’ve ever had a question they are always pleasant and very helpful. Thank you for all your kindness and help. They have helped me out tremendously. They care about you.

Overall I’m happy with Merrick Bank. My credit limit has been increased a couple of times. The interest rate is a little much. I also liked I was informed when my refund was back on my card. I do wonder if Merrick is a brick and mortar bank. Cards could be more stylish with designs.

I've been trying to pay down my account but in the last 2 yrs your interest rates have really gone sky high. I was paying approx $200/mo on my bill - $150 on principal & $50 interest. Now that same $200 only $80 goes on principal and $120 is interest. Now I can't even pay $200 anymore because of medical bills so it will take me probably till I die to pay off my acct. This is the only credit card I have. I am very disappointed and I know a lot of elderly people are facing the same issues!

Very nice card to have. I love it. It helps me with groceries. And very convenient for me. I sometimes forget about it. I will let family and friends know about this card. Thank you so very much. I would love to have a increase in the amount on the card. But if not it's ok. Thank you.

I really like working with Merrick bank. Their online set up is user friendly and it is easy to complete any task that you want. Online bill pay is a breeze and I look forward to doubling my line of credit with their agreement of 6 monthly on time payments. You can't go wrong.

Payment and available credit was helpful and accurate. Service has always been quick and easy to use. Making a payment using the automated service has been easy to use as well. I would gladly and highly recommend Merrick Bank services! I am appreciative of the opportunity for an account with you. I would like to say thank you again for everything and the awesome service.

The app is great and easy to find what is needed. The frequently asked questions section contains the majority of assistance needed. Support answers any and all questions or issues with in an acceptable time frame. All my questions have been answered correctly and completely. I have recommended Merrick Bank as a good place to apply for a credit card and to use the app if approved.

From the moment I accepted their offer I received in the mail, to setting up online and using autopay, Merrick Bank has been super easy every step of the way. They stay in contact with me about every aspect of my account. Did I mention they were super easy to work with?

Payment didn't post on time but do this you for giving me this opportunity to be a customer of this bank so if you could please try to post payment a little faster next time and once again thank you for this opportunity. It's been such a long time. I really didn't think it would work. I've always help other and not myself.

Feeling scam 'cause CSR didn't their work. No direct assistance and help provide. They even know how to answer our concern The fund we made was not credit to my account for almost two months now. That a kick.. We need my money back to US please.

Merrick Bank is a joy to deal with. Their response time is very fast when I had a question. The app is easy to download and navigate. I’ve had no issues or problems with the bank or the app. I would most definitely recommend Merrick bank to anyone in the future. Nothing but positive experiences.

Thank you for the awesome service over the years. I have had Merrick card for years and I enjoy the privileges I am given when I have to spend on emergency situations for me and my family. Appreciate having this card very much. Thank you to the Merrick team for always being there when I call and need help with any issues or questions in regard to my account, billing or transactions to my account.

Was told to get this secure card to help my credit score out. The app needs some work but as far as my purchases, it has been very useful and pleasant. The card feels like quality. Also I had a return on a purchase which took 3 business days to refund. Received an email to let me know the transaction was returned.

I have needed a replacement card for over 6 months now. I accidentally washed and dried it. I have tried calling, emailing. I finally just gave up. Paid off card and there my credit sits. Unable to use. I figure one day when it expires maybe just maybe I'll get a replacement sent.

Love the card. Easy to manage. Only had the card for a few months but pleased with it. I update after I have had it a few more months. I can complete everything on line. I would recommend this card to others.

I am very pleased with Merrick Bank. They seem to always be there when I need them most. Thank you for being a great Bank and friend. I never feel under pressure when it comes time to pay my bill and it's because I try to stay on top of it so Merrick can see I also value their business. Merrick also keeps me informed on what Kind of customer I am as far as how I am doing. Also giving me a pat on the back to say they appreciate my on time payments. Again Thank you for being a Bank one can be proud of doing business with.

From the beginning, Merrick Bank has provided great service. I appreciate how they review your account for automatic limit increases. I also received a call regarding a purchase that they thought may have been fraudulent. I have never had any issues with my account and I look forward to working with them for years to come. I would recommend them to a friend.

I’m not happy with the late fees being charged at the beginning of the month when my payments aren’t due until the end of the month. If this could get fixed I’d appreciate it greatly then I won’t have any more issues. Thank you. Other than this it’s a great bank.

I have had this card long because a Merrick representative put a note in for me and allowed me to get through some hard times. I still appreciate that. I explained that I could not answer call most of the time because I drive a truck, and no calls to collect hammered me all day.

Merrick has been a lifesaver when I have needed it. I am hoping to increase my credit amount for emergencies within 2 months. Merrick will be my only go to credit card. Thank you for your consideration I would like to discuss this with a representative at your earliest convenience.

Merrick Bank lied to me from the start. I asked them directly if accepting their "pre-approved" offer would result in a hard inquiry on my credit report. They assured me that it would not. It did. Then after using the card for many years, I made a large payment from a new account. This triggered their fraud and security team, and they restricted my account. When I called to resolve the issue, I was on hold for one hour, transferred to another department, and put on hold for another hour. Now they're requiring a letter of authorization from my bank to confirm that the charge won't be reversed.

So I appreciate. I feel really happy because I got my credit back and my life feel better. I want to do something for my kid. I have my card and my credit back, so I am so real lucky. Even I don’t have a credit to use thank you so much. I am appreciate it.

I have a very sick dog that is on insulation every day. My credit limit was increased as I use my card to purchase his special food, treats, insulation, the needles, etc. They increased my limit without my asking. For that I am very thankful. I don't expect them to do it all the time but right then and there it was important for me that this happened.

I've had a card with Merrick for over a decade. I am satisfied with the company however interest rates are super high and the fees are too much. I personally feel that after a certain amount of time loyalty customers should receive some type of break when it comes to all the monthly fees and high interest rates, especially if the customer has never missed payments and is consistent.

They have helped me in a bind several times and I know I can count on them as well. I get text and email updates, the app is good with no glitches upon opening it up on my phone, gets me to the information I want, especially takes me to the app's home screen, I'd recommend it, thanks!

Merrick Bank has greatly helped me build my credit back up. Due to an illness my credit was pretty much shot. Merrick gave the opportunity to improve it and I did. They have helped me tremendously and I’m now able to be confident in my ability to incur more credit if need be. Thank you Merrick.

I prefer to receive the paper statement. But the free pay by phone method is really great and convenient, especially when my funds are unavailable to mail the payment in timely. I love the evaluations that determine credit increases.

I called because I tried to do a transaction yesterday and it declined twice so I had to use a different card. I wanted to dispute the transaction but I was transferred 5 times until the last lady couldn’t help me and had a very nasty attitude. She then told me to call the merchant and see where the transaction came from. This is the first time I experienced this unprofessionalism.

Thank you for your services. I am so grateful to know that I can count on you and your card whenever I need it. Your terms and conditions are more than fair, and I would recommend you highly to anyone and everyone who who are interested in getting a line of credit. Thank you again. Your friend, Robert **

I am very very satisfied with my credit card. I have been able to use it when deemed necessary and I love being able to do that. I feel less stressed having my credit card. So thank you very much for giving me a chance. I have had a great experience. I have no complaints.

My overall experience with Merrick Bank has been good with no issues to this point. When I needed service I didn't have any issue at any time. No hassle with payments and credit increase when payments made on time over a certain period of time. Online payments are easy with auto-pay you set and forget.

I was very surprised to be approved for a Merrick Bank card. I believe I have been given a second chance at improving my credit score by handling this card with more responsibility. I also believe in learning from past mistakes: don't charge more than I can pay off in 30 days, or a reasonable amount of time. Thank you for allowing me to "prove" myself creditworthy!!

Don't want to be responsible for their mistakes, of not paying like they should or going crazy by spending and not being responsible at all. I myself doing great, love it in what's it helping me for. Keep the great service you guys are doing. It's helped me in great length, thank you.

Very pleased with Merrick Bank, easy statements to read, customer service is very friendly and assist to all my needs. Statements are very clear not to mention reminders by texted is prompt and the service is very excellent for reminders. Online service is user friendly. Great company to deal with. I would recommend to a friend and many others. GREAT COMPANY.

I've enjoy your product and would definitely recommend you.... Thank you. Douglas. PS Keep raising my limit. I'm building credit and really thankful for this card. Hope to continue getting great service from you. I would recommend you to anybody keep on keeping on and always understand there is always hope if you reach for it...

I have no concerns or issues with my account. Payments post on time and account increases are periodically increased. I’m pleased with all aspects of my account management including easy account access. I recommend them for your credit card needs.

My go score is available on the 3rd day of some months and the 16th of other months. Therefore it can be upwards of 6 weeks between updated scores. Once I scheduled a payment for my regular due date about ten days early. Meanwhile some charges came through the account that I forgot about so I tried to make an additional immediate payment in order to prevent going over my limit but I was not allowed to do so.

Merrick contacted me to let me know there was fraudulent activity potentially occurring through unauthorized purchases on my credit card. I verified that the purchases were not mine and they confirmed on their end that the purchases would not be authorized. They’re sending me a new Merrick card in the mail. The two employees from Merrick I talked to were polite, helpful and swift in resolving my issue and offering solutions.

After being approved and using my card for travel, I was able to log in and access my account online. The Merrick site is eye catching, user friendly and easy to navigate! I was able to view all purchases clearly! I was also able to make my payment directly from the site without being navigated to another platform. I have made a great choice in applying at Merrick!

Am very pleased with Merrick Bank - anytime I’ve called, I’ve been greeted professionally, and my issue was resolved easily - no stress, no impatience on my part. Thank you for having professional, pleasant, able staff to take care of any issue I may have. Not sure what more I can say to satisfy your word count - I am happy with Merrick Bank

Absolutely wonderful. Definitely recommend this card to anybody. Absolutely no issues with it and great service all over. Really glad I chose to get this card and hope to continue using it for a very long time. I have no complaints at all. You can use the card all over and it's widely accepted. It has nice designs and I've had no issues.

I have been a Merrick customer for about a decade now. There has never been a problem, dispute, or even a call to customer service. In this day and age, that is phenomenal. Truly happy with this company and have recommended them to many friends. Thank you for your continuing service.

I have only been with MB a short while, so my experience is limited. But everything is going seemingly well. The information I receive is timely and my card records are always up-to-date. I would recommend MB to friends, and I hope that we will enjoy a lifetime relationship. Thank you.

Haven’t been with you that long. So far so good. I guess it’s my fault for not reading over my agreement and accepting guidelines. So I think I was late on first payment. Which unfortunately I really could have used a higher credit limit. All in good time I guess.

Satisfied with experience. I would like a greater credit line, considering the length of time I had the card, also, I believe that the annual fee should be removed. I like the credit card and continue to use it, but, the credit line leaves something to be desired. It would be nice to receive a credit line increase of $5,000.00 or more.

I needed assistance freezing a misplaced card and the service advisor was super helpful. The service advisor also explained how to go into the account and remove the freeze when necessary so, I didn't need to call back. It was easy going back to unfreeze the card as well. The service provided was excellent.

I have been very happy with Merrick Bank. I would recommend Merrick Bank to friends and family. I have not had to call for customer service or needed any help as the app is very clear and most of my questions I have had have been answered in the FAQ section.

When I called to find out what to do when I had charges on my bill that I didn’t make. I was angry, I was then transfer to an agent. I was put on hold and told to wait for the next available agent. It was 30 mins so I waited 35 mins. At that time I hung up without talking to anyone.

Very easy to use to view statements and make online payments. Your representatives have been courteous and helpful when I have called with a problem. And when there have been questionable charges on my account I have been contacted immediately. I would definitely recommend Merrick Bank to other family members and friends!

Was promised double my credit amount. I’ve made on time payment. I requested an increase and got $200 increase. My limit was $600. Just false promise of the reason I signed up. I called about it and it’s because my autopay glitched and didn’t pull out of my account like it was supposed to. So I made on time payment for 6+months. And I got $200 increase, not the double. It’s just poor experience especially when I’ve paid on time and have used the card. Also you would NOT get rid of the late payment. Even though it was an issue with your system.

The relationship between myself and the company is still new. Decent start to the credit line and I will patiently wait for the credit line to be doubled within 1 year per the agreement. If that does happen I will keep my end of the deal and make all payments on time and promote the company with even more positive reviews.

Merrick is very transparent about your credit and billing and also offers solid advice on rebuilding your credit. The interest rate for me wad fair and they even tell you about keeping your spending on the card under 30 percent to help with your credit. I highly recommend merrick bank to anyone looking for a good credit card which also rewards you for paying on time.

Their app is very easy to use and comes with a free fico score review every month. Talking to their customer service is also usually very easy. You can apply for a credit increase every 6 months. If you're on time with your payments they may increase your credit line automatically within that period.

Very helpful personnel on phone and in person. Love I can transfer money to family with a couple clicks. I appreciate the ability to make an appointment if need be and not wait for a opening to discuss account. I also like how close it is if I need to talk or do business.

From the beginning I've had a good response from them. My initial card was approved quickly and sent quickly. Just recently, they reported to me charges that were suspicious. They weren't mine so they quickly restored them and VERY quickly, I got my new card. I'm happy with them. This is me, no incentives to write it.

Had a few fraudulent charges appear and they handled it immediately. Thanks. Canceled my card and sent a new one that I received in 5 days. Overall in the past 5 years I've received plenty of help when needed. I changed address recently and it was handled by a well spoken professional person. Again thank you.

The website is very easy to use and easy to find what you are looking for whether it be to enroll in paperless billing or make a payment. The payment process is very easy and quick and it is painless to update payment information if changing a bank or using a new checking or savings account.

Merrick Bank has always been good to me for business. I can rely on Merrick Bank to make sure I have a great Banking experience. Merrick also rewards me with credit increases when they see that I have been credit responsible customer. I'm pleased with their service. I would recommend Merrick Bank to anyone who's also looking to build their credit.

Very wonderful experience since I've been a member. Keep up the great job. I've shared my experience and referred several people to the bank. My customer support experience is just as great each time I have called which makes things a lot easy to enjoy.

Merrick Bank card has been good for me. I get periodic increases due to my pay history and great standing. The app is helpful and easy to use. I have only two concerns / complaints. 1. My card is broken and the app will not let me order a replacement one. 2. When I call the 800#, it does not give me an option to speak with anyone. Have NEVER been able to get ahold of a live person.

Merrick was the first bank that allowed me the chance to rebuild my credit after an unfortunate business bankruptcy. They even raised my credit limit because I've kept my payments on time. The only thing I'm sad about is that they changed the Visa to Mastercard. I'm very grateful to Merrick Bank.

Every time I try to make a payment with my card it takes the money out then puts it right back into my account and shows that I haven't paid. I make my payments early every month and it doesn't show that I make any with your company! I don't like that especially because it brings my credit score down.

I like the ease of how my bill has been easy to pay online and I appreciate the credit line increases. But what I HATE is dealing with overseas call centers for customer service. I don't understand how you guys cannot use US BASED call centers because when I first started with you guys that's who I talk to but then they told me that you guys opened up overseas call centers instead as an option which should have never been done-- I don't understand them and it frustrates me when the US BASED call center worked great before and made your company stand it and I told my friends about your card during that time but since then I have that bad decision to open up foreign base call centers I have not mentioned your card to anyone.

It has been an absolute pleasure to have this card! When things went sour in my life the representative was there to assist and find me a solution!!! You are the BEST!! I appreciate the limit increase as well!! The representatives are very welcoming. Professional, courteous and understanding! I sure am Happy I have them by my side.

Been very happy with this card from the day I got it until now. So keep up the good team work. Plus if any friends all about wanting a good credit card I will tell them right away about the card I have now. And all the features you can get out rewards you can earn by using the credit card.

Very pleased with Merrick Bank MasterCard. I'm kept posted to my phone on my balance. I get my statements on time by email and to my phone. When I disputed charges to my card it was handled in a professional manner. My card was canceled at that time and a new one was shipped to me in a timely manner.

Very pleased with my Merrick Bank Card. Just wished the interest rates were a bit lower with the way the inflation is. Would recommend this card to anyone looking for a good card to help them through these tough times and the future. Automated system is easy to navigate through. Customer Service is AMAZING also..

I have never had any issues with this card, they have done everything they claimed they would do which was raise my credit score and increase my credit limit with time. I have recently been talking to my daughter about getting this as well as soon as I figure out how.

Merrick helped me with my credit score and also didn't take forever, like other credit card companies to increase my credit line. I would recommend this company to my friends and family. If anyone does acquire a card I would suggest downloading the Merrick app. It's convenient and easy to use to make payments.

You guys are great. I went to a donut place and was overcharged and my donuts were horrible and after many attempts at trying to get my money refunded from the store and being hung up on by the manager I was frustrated and thought I was gonna take a loss but thanks to your helpful customer service my money was credited back quickly to my account. I will not only continue to keep my card with you but I will recommend you to friends and family.

Easy to use and great customer service. Can look at FICO SCORE and the app is super easy with a quick glance option to enable to see your availability, amount spent and total limit. Information is secure, and low APR/ interest on transactions. Never had an issue with the card! I would recommend to anyone to get this card!

I might not recommend to friends because they can get lower interest rates and I cannot. So maybe if the right person came along. I took this card because you let me. At a significantly higher interest rate. But as far as service, it's been very nice. I'm very glad to have this card.

I am fairly happy with Merrick Bank, great customer service, always super helpful when I need to contact a consumer representative. My only wish is there was a faster way to increase my credit line, like an auto 3 to 6 month increase or a way to increase our levels to bypass the monthly service fees, these can be quite annoying when you pay your card off and then get another bill for $4.00.

I've only been a customer of Merrick for 2 months so far and I've had zero issues. I'd definitely recommend to a friend. It's even no hassle to pay the bill. So many places don't accept prepaid debit cards to pay bills but Merrick Bank does as some of us do not have regular bank accounts. It makes it so convenient.

I’ve had Merrick for about 5 years, for the last year my card had a block on it due to suspicious activity. I was working 80+ hours a week due to staffing issues around this time and wasn’t able to get the information together that they needed. About a month ago I was able to call them, get them the information and they unblocked my account. Today I received a letter stating they closed my account due to inactivity and it was not allowed to be reopened. I had no balance on it, I was never late with my payment up until it was blocked I used it regularly and that’s how they treated me (they didn’t even give me a warning that it would be closed). When I called, I was treated like I was this horrible person. I won’t use this bank again! I honestly have better credit cards than Merrick Bank, it’s just the point that this is how they treat their customers that pay on time.

I've been a customer for more than 7 years with this company. I received a letter yesterday stating that my account had been canceled due to no activity. This was done with no warning whatsoever and will have a negative affect on my credit rating I currently have good credit. I called the representative with absolutely no help from him and he agreed that they should send out warning letters that your account will be in risk of being canceled if you did not use your card. I've never had this happen in 40 years of having credit and credit cards from other companies. Everyone needs to be aware of hidden policies that these companies have.

Wait times for customer service can be extraordinary long and unreasonable. Fraud department needs to transfer you back to customer service to finalize a report and you may not get through. No access from abroad to app or desktop site. Just doesn't ever load.

In the month of May, a credit card was sent, but I never received it. I requested another, which I got in July. When I tried to use it, I found out it was blocked. After complaining about that, I was told I had an outstanding balance. How can that be?

I find working with with them very easy. They're always very informative and pleasant to speak to. Yes, I would recommend to friends and family! I'm very glad to have my credit card with them. I wasn't sure I wanted another credit card, but after I got it, I've been very happy with it!

In my experience with Merrick Bank during the time that I have been a customer I've gotten nothing but great service. The way I've handled my business has continually been rewarded and I'm very satisfied. I've not had any type of problem that I can think of.. All I can really say is that it's a great card to have in your wallet. My husband also enjoys the benefits of his. I'm not sure what else I can say except thanks for the opportunity you have given us both.

Would definitely recommend Merrick Bank. I Love Merrick bank because you get incentives for using your card wisely and you get an increase on your card for paying your bill on time. It's a card you can use for paying bills, purchasing gas, buying groceries or whatever your every day needs might be. Definitely would recommend to a friend.

The card is easy to use and I've never had an issue using it anywhere. The App is easy to use and understand when checking your balance of available credit, when looking up purchases and when making payments. I love this card and would recommend it to friends and family.

All was polite and friendly. Knows the rules and policies and procedures. Can help you with any and all problems. I like the ability of the workers that know their job and can help me with any and all problems that might come up. I would highly recommend you and your employees as very hardworking crew.

Yes, This card is helping to re establish my Credit and gain self dependence once again. It was offered to me and approved when I needed help the most and I do appreciate it and I am going to keep this account for a long time to come. Great customer service and website along with the app for your phone.

Been a great card so far, trying to get my score back up to snuff, Merrick Bank approved me when others would not, I use the card when I need to and pay it off asap, it’s been great to have it when I need it. Can’t wait until my limit goes up so I can use it for larger purchases.

To this point I have had nothing but good experiences in my dealings with Merrick Bank. I have a credit card through them and have had nothing unexpected present itself. Based on my interactions I would feel comfortable in recommending Merrick to others. Transactions are seamless and their app is easy to use while being convenient.

I’m very happy with Merrick. I would recommend this card to all friends and family. Thank you for doing business with me. They even gave me an increase after paying on time. I plan on closing many of my other cards, but Merrick I will definitely keep. Thank you again.

The online process is great! The problem I have is the card is not recognized when paying at the pumps for gas. The reader has a hard time identifying the account #, it takes many attempts to get it to work! Sometimes I just use a different card. I know this is something I should call customer service about, just can't find the time.

It is a good card to have in your wallet and I never had any problems using the card. The card is a great card to use anywhere in the us and out the country. I don't leave home without this card at anytime. Good card to have in your possession.

I wish there was a limit increase button on the website. My husband has his card nearly two years and has never had a limit increase. Is there a reason for this exclusion? Other than that, I love this card. The customer service department is great as well. I would recommend it to a friend.

I am very pleased with Merrick Bank and the ease of navigating through my account on line. I am pleased to recommend Merrick Bank to anyone asking about my experience. Merrick was the first company to help me rebuild my credit with a starter $300 account. This was the first step leading me to now have as much as $5,000 and $10,000 lines of credit available at a couple of institutions. Thank you Merrick for the helpful re-start.

I have been very satisfied with the service from Merrick Bank. I have never had a problem, everything works perfectly. Statement comes in a timely manner and can be paid online. Statement is received online so no need for checks in the mail. I like the security of no paper to shred or any mail to be lost or stolen.

Largest 2022. I have available credit $769.00 according to ATM withdrawal Failed attempt. They are on my credit as delinquent as well an account opened 16th and account opened 17th. I only had one account.

I love my Merrick credit card. It's the best one of several of my credit cards because of its cash advances and credit limit. Thank you Merrick. For the outstanding job and your app is easy to use and very convenient. I use it all the time and some time I take advances to help me pay other bills that I need to pay off in cash.

You guys are thieves and I hate this company and I'll never recommend it to NO ONE. THANK YOU FOR NOTHING BUNCH OF THIEVES and I hate to call you guys coz it's nothing but machines answering the phone so you guys suck donkey.

Merrick gave me the opportunity to show I am in a better financial situation. I didn’t disappoint them and got an increase within six months! They helped me get back. I’m on my feet. I would strongly refer them to others in my situation and look forward to a continued relationship with them. Thank you Merrick Bank for being my financial partner.

This can't happened to a customer. I spoke to a representative customer service a few days ago. I think it was the 7 or the 8 of July try to fix the problem about fraud in my account, I told him it wasn't me who did this transactions for $39.99 and $12.99 and the last one for $39.99 again. I think it was a Fraud department Representative and he transfer me to a new card department and that's when the nightmare started and I was waiting forever. Nobody pickup the phone for an hour and then somebody pick up the phone and I said hello and then they hang up the phone on me. I felt insulted by a Merrick Bank representative. Now I need a new credit as soon as possible. It should be more representatives working in that department. And that's the reason the I am unhappy with Merrick Bank, please kindly send me a new credit card, any question call at my cell #** or email me at **.

I was happy when I signed up. I use your card often and I'm very happy with it. I originally had a little problem but it was just because of some stuff that I had to change because of a phone number. Other than that everything has been great and I'm very happy with your service.

Have had an account with Merrick Bank for several years. Have been very happy with the service, communication and benefits that Merrick Bank has provided. Would definitely recommend Merrick Bank to anyone in the market for a financial institution. Whether it is for a credit card savings or checking account or a loan.

When I accepted your card, I did so thinking that I would get a decent credit line increase, if I paid in a timely manner. Keeping my balance at 30% doesn't allow me to do much of anything when I'm traveling. If I had to do it all over again, I would not have accepted your pre approval..

It takes several days to get a notification that my card has been used for a purchase. I have other credit cards with other banks and I get notifications in a few seconds after I make a purchase. When it takes days to get notification from Merrick Bank I have to think to myself, did I make that purchase or does someone have my account info and making unauthorized purchases. So if Merrick Bank could speed up how long it takes to get notification of each purchase that would make me give a 5 star.

Easy card to get, although expensive. I would suggest you offer incentives to those who pay on time, like annual fee waiver, you are already getting an incredibly high interest rate, perhaps those who pay on time, get a rate reduction as an incentive to stay on target, the credit bureaus are not so generous.

I actually really like my Merrick Bank Card. I like the fact that I can see my credit score and review ways to improve it. But if I could add something to make it a 5 star rating, it would definitely be to add some type of rewards program to the account. This would give me the incentive to use it more. Everything else is great.

High interest rates. Yearly fees don't help. Hard to pay down. Interest rates never gone down and never missed a payment but yet Interest always stays high. Will be trying to get it paid this yr and move on. The yearly fee is a pain. You would think it would be dropped but it doesn't look like it will ever be.

Merrick Bank is the best bank ever. They gave me credit when most wouldn't. I had unknown charges on my account and they helped me get it straight and I am forever grateful. When I talk to people on the phone they are so kind I feel like I'm talking to a friend. I think this bank deserves 10.

A complete nuisance with all your ads just to try to pay my bill. I was on the phone for over 30 minutes just trying to pay my bill. It should not be this hard. I had to press the pound sign so many times. Why?Why?Why? Your special offers are horrible.

Great Service. Easy to work with. No problems on trying to get payment in. I've had great service with him. As long as I've had them I would recommend you guys to everybody else that I know that does not have your card. Great! Increases when you don't expect them.

Don't use it like I use to, only when I really do need it. So not much to say on that. Just trying to pay it down to a reasonable amount owed. I like my choice of pictured card.. Don't care for the color. Thank you.

Very easy to access app. Decent credit line to start with. They reward you with good payment history! Communication emails with payment made and statements available. Their app is extremely easy to use. I just can't say enough about Merrick Bank, they just make everything so easy. When life is busy you don't have time for frustrating apps, etc and with Merrick Bank you don't have to worry about that!

My husband and I were out of town on June 29, 2023, this was 2 days before my Merrick credit card payment was due. I panicked because I was used to making the payment online, and I remembered I did NOT bring my laptop with me. I decided to call Merrick to make the payment on the phone. The representative that answered my call was very professional, pleasant, and very helpful. Keep up the good work.

I am and have been very pleased with my Merrick Bank credit card. Since I have never needed to contact a customer care person, I don't know how accessible, live or immediate customer service is. I would hope this service is available. The APP, however, is easy to use, and making payments online is as well. It is.

The interest rates that Merrick Bank charges should be reviewed carefully. They start off with a low interest rate then gradually increase it even with excellent credit and no missed payments, a 30% interest rate on purchases is unreasonable and ridiculous. Merrick Bank should reward excellent customers. Instead they continue to increase the interest rates every time there a flux in rate hikes. This is not good business.

I happen to love how Merrick Bank does business- They are very customer service oriented and always a phone call away. I like that they increase credit availability at random and is fair about it- I also like using Merrick Bank card - It’s my go to MasterCard and like that it’s safe to use anywhere.

I would recommend a friend. I give you guys 5 stars. I have been very pleased with my experience with Merrick Bank. Look forward to a long lasting relations and my wife has been pleased with your service. You gave me a card at a time when I was rebuilding my credit and you gave me a chance.

This card is well recognized when I use it. It has great customer service, and makes me feel like I am a valued customer! I love the card as well as doing business with this bank and highly recommend it to all my friends and strangers alike. If you do not have this card then get on the ball and get on- you are missing out!

I love my Merrick Bank credit card and the company. I have not had any issues and if I have needed to make contact with them; they are always helpful and courteous. My account is reviewed on a regular basis and I am given increases to show how well I manage the card.

My time has been good and have enjoyed using my card since I opened my account with your company. Would like to see a credit increase more often for on time payments as an incentive. My service has always been good and helpful whenever I need to check on my account. Thank you.

It was easy and simple to use your web site to make my payment online. I would recommend using the web site to anyone who has a credit card with you. I have used your website every time that I need to pay my credit card bill and it was so easy for me. After making my payment online with you I received my credit immediately and received a confirmation right away. I would recommend your bank services online to anyone who has an account with you.

I am happy with the service. I love the telephone banking. My payments are processed quickly and get my updated information by the next day. My statements arrive on time. When I have dealt with a representative, they were helpful and knowledgeable. I like that there is no membership fee, also my account is closely monitored.

Beware of Merrick Bank business tactics. First, if you schedule a payment on their website, they will hide the scheduled payment from you on their website in an effort to get additional payment. Second, if you enroll in automatic notices, they will NOT send you reminders so they can hit you for late fees. Third, their monthly fees, even if you have no balance, is usurious and should be prohibited.

This credit card, by far and large, has been the easiest card to have and manage. I got it to help repair/build my credit and they have given me credit limit increases without me having to ask for it. I don't get spam emails, no one calls me about anything, I get text reminders if I need them and the app is super easy to use. I haven't had a single issue to date, I'm really glad I got this card.

Love this card, one of THE best cards I own. Quick and easy and the fact that they raise your limit makes it that much better. I’ve had this cards for over 2 years and my and never once had any issues. Will refer this card to everyone I know.

This is an nice credit card to help build your credit to start off with. I'm pleased with it. No problems it. For a Mastercard it works out good in many places. I would recommend to people starting their credit.

The Merrick credit card was the first card that I got and I’m very satisfied with it. Always got what I needed and wanted with the card. Praises To My Lord! Thank you Merrick. I surely would recommend the Merrick Credit Card to friends! It’s a credit card I can use anywhere and any time. Thanks again Merrick Bank!

I have had a remarkable experience with Merrick Bank's Credit Card and I am very happy with their professionalism in customer service. I would recommend to a friend. When I had an important question I did not hesitate to call and talk with the necessary department. When I called they helped me fix the issue.

I am very happy with the service I have received with Merrick. They have honored everything promised and they continue to provide more services without me having to ask. I highly recommend them to all. Give them a try and you will not regret your decision to give them your business. Your satisfaction is at the top of their list.

Best and most responsible credit company I have ever worked with. They only give credit raises as they are earned and so keeping within your means. They have great customer service reps and are quick to resolve any and all issues that may arise during the course of doing business using their cards and services.

I love everything about this card. The card itself, the website, the app and the live people who answer your phone questions. BEST CARD OUT THERE!! Would recommend to family and friends…and I have. The app is so easy to use to pay my monthly statement. I can find my balance and available monetary limit easily.