Merrick Bank Reviews

Customer service has been outstanding. Any issues I have had with a purchase, they have helped resolve efficiently and quickly. I would absolutely recommend! The fraud department also helped cancel my card immediately when I noticed unauthorized purchases on my account that were not mine. I had a new card & account number in no time. They quickly investigated and fixed my account. Merrick has helped me reestablish credit after a bankruptcy.

I received my card and have experienced very positive credit ratings from the use of my card. That's very important in today's times especially now with inflation and the need to rely on your credit card in the place of budgetary challenges.

I can't say anything bad about this card. It's been awesome! From set up, to payments, to service. 5 stars! App is great, easy to use and understand as well as navigate. If you get the chance to get this card, do it.

When I signed up for an account it was a minimal amount and I didn't really think much of it. They have rewarded me not once but twice for being a good customer. This doesn't happen with other credit card banks. I truly am happy and would highly recommend anyone eligible to apply for a Merrick Bank credit card. Rewarding good behavior, what a concept. . .

I am not sure what factors are considered when issuing a credit line increase but I know Merrick Bank does not compare to other creditors that I have. Any time I have gotten a credit line increase it has been at least $1000 plus they offer cash back and other incentives but Merrick gave me a $200 credit line and doesn't at least offer

They have always treated me fairly and professionally. I've had someone steal my info and use it. I reported it to Merrick Bank. They fixed the issue and returned my money. They have always been professional. I would recommend them to anyone.

I have been with Merrick Bank Visa card for like 7 years. I love it. They give you increase when you pay on time and do not be late on payments. They are a good new start card. Help build your credit. They report monthly to all credit companies.

This card is easy to use and when I have had a problem such as replacing a card or asking about a charge the staff had always been very pleasant and helpful. I would recommend this card to others but do wish the interest was a bit lower.

Was very happy that Merrick helped me with my issue of a product that never arrived and researching the site further listed it as a scam with a trust level of one out of a hundred. It's hard to know who to trust online these days.

I am very happy with Merrick Bank. I have not experienced any problems and I very happy with the regular credit limit increases. Having this card has helped me improve my credit score tremendously. I am looking forward to doing more business with Merrick Bank.

I've been able to get regular credit increases as the company promised. Never had any issues that hadn't been resolved. I have been with the company for about 5 years and I highly recommend someone using this bank to help build their credit. You won't regret it!

Since Merrick, I became a member of the Merrick Bank credit card department it's been a good experience. The way my account has been serviced made me appreciate that I joined this company. The professionalism of the staff, provided services, and use of the mobile app ease has been friendly. Overall, Merrick Bank is is a great company. Thank you.

Low-interest rates, easy to use when I need it at the right time. Easy increase over the long term. Paperless downloads. Plus, I can submit larger payment to help keep my balances in the good zone of 30%.

Times are tough for everyone and I have worked very hard to get my credit restored. Due to BOA antics I had to file for bankruptcy twice in 6 months and both times I asked to withdraw and the judge did so and recused both. However, I have written to bureaus several times for it to be removed from my file to no avail. Because of this I have a higher interest rate and I have to accept it until that is removed from my credit file. All in all, I am grateful for the credit line to rebuild my credit. I have always made payments on time and more than minimum due. Thank you.

Interest too high. Never try to work with me on any rates. I been with Merrick too long to be charged $4.00 monthly fee. Loyal customers Merrick could do a better job. Don't give cash back incentives. No compassion for low income customers. Your way or no way

Merrick works for what I need. I was mostly using it as an emergency card. However recently I started using it more often and finally started to get balance increases after several years of having the card. Pros: card is accepted almost everywhere. Cons: no cash back or rewards program, which lessens the incentive to use the card as often. Unable to request a credit line increase.

I have the Merrick Bank app on my Android phone (Google Pixel 6 Pro). I have fingerprint biometric login enabled. But every few weeks (or so) when I try to log in, the fingerprint authentication is turned off, and I have to go look up my password, sign in manually, and reenable fingerprint authentication. I have not cleared the cache or data within the Merrick app, and I have the phone set to auto-update all apps from the Play Store. Other than that, your service is excellent. Also, the app works perfectly every time, except for the fingerprint glitch mentioned above. Sorry for the 3 star rating, but please fix the app, and I will gladly rate 5.

This company is a part of my financial life and I am pleased with the services that they provide. The billing statement always is explained so the receiver understands the information provided. I have been a customer for a long time and I am happy with the services provided.

I like the Merrick Bank Card because you are on my side. The payment options are straightforward to use, and processing is quick. I used the card for a big purchase, and they increased my credit line without asking. This is a sound card and a good company, and I look forward to doing business with them for a long time.

They are a great company to work with. They have have helped me every time I needed a credit increase especially one time I when I was traveling to visiting my grandkids. Anytime I call in to ask a question they are very responsive to my queries. I wish other companies would handle their customers service as well as Merrick.

Thanks for allowing me to increase my credit amount without having to do a credit check. This helped increased my credit score. I have successfully paid my bill on time and would like to know if you can eliminate the monthly fee on my account.

I was offered this card with an opportunity to double my credit line after meeting the requirements. I am happy with the treatment I have received from Merrick Bank. They offer a credit card that comes with the tools you need to understand how to protect your credit and use it wisely on their website. I am personally satisfied with their services and would recommend them to friends and family.

I got a credit card after recovering from bankruptcy! The rates are reasonable and the limit, over the years has risen very slowly…it’s perfect!!! I would suggest this to all my friends and family. Their customer service has been great as well!

Unorganized, unprofessional, bad at communicating, and not trustworthy. I had a credit of $180 and they declined a $10 transaction. When I called to correct this I couldn’t understand the representative. It had very bad background noise and they had a heavy ** accent. They were rude and hung up on me when I asked for a supervisor. I called back and Daly (the rep) hung up in me when I asked for a supervisor. They requested my social security number every time, multiple times. This is not a company I trust with my financial information. I will be asking for a check for $180 and will cancel when that clears.

Merrick is top notch between customer service reps always patient and kind along with my belief that they will continue with their fair and honest fees. I have been with Merrick for 10+ years and look forward to many more.

I make frequent payments but additional fees are always added making it difficult keep up and avoiding a negative balance. I don't plan to have this card much longer since the fees are so high and seem to be very frequent. I don't even know what they're for.

Merrick was the first major credit card to give me a chance. Since then I have got approvals from Discover and Citi Bank for cards as well. My credit score has went up 70+ points and Merrick continued to reward me for a good payment history by increasing my limit. I am beyond happy with what Merrick has done for me.

Love my MerrickBank CC. App is easy to use, I’ve received multiple limit increases as well as experienced phenomenal customer support. I had Fair credit when I first opened my account and have excellent credit now with on time payments and payoff of my card monthly.

I have had a great experience with the company. I haven't had any trouble using my card anywhere. They raise my balance without me even having to call them as long as I am making my payments on time.

Haven't had any problems with my account. Everything has been fine. Haven't had any compensation for anything. They've been good with my credit increases. I would recommend the credit card to my friends and family. Got the card eleven years ago before a trip to Disney World and was very happy with it.

Payments posted in a timely fashion. Easy to read statements. My bills arrive right on time. I have not spoken to anyone other than to put in vacation time and locations. Personnel have always been polite, and helpful. I would highly recommend using Merrick Bank for all of the above reasons.

My experience with Merrick Bank has been excellent! I would definitely recommend you to family and friends…On each occasion that I needed more from your bank, you came through for me! I was thoroughly impressed with the timing of each increase and the amount.

I have had a positive experience with my Merrick Bank card. The website is very user friendly. The only thing I wasn't happy about was when they upgraded my card, they didn't offer the American Flag like my previous card.

I love Merrick. They are so good to me. I enjoy having this credit card that I can depend on. I use my card when needed and they give me the credit that I have and they check on me to make sure I do not have any issues. I would definitely recommend this card to everyone who is looking for a great credit card that you can depend on.

Merrick Bank has always been great for me. Tells me when my balance is high, etc. You have increased my limits twice. What else can I say. My favorite credit card. I paid balance off once but unfortunately my balance is high again. Will have to take Care of that.

Good customer service and a pretty easy to use app. No issues with them. I have the minimum withdrawn from my account monthly so I don’t miss a payment. Then make payments when I get paid. Only been a customer for 2 years.

A company fraudulently made a charge, and tried to make additional charges on my credit account. I called Merrick multiple times asking for a list of those transactions. Merrick Bank continuously refused the request, and even hung up the phone on me at one time! I had to contact the FDIC to get the information I requested. The payments that I make, Merrick Bank takes 90 percent of my payments every month!

I have never had any problems with website nor making payments. Have been with them for a few years now! I would highly recommend them to family and friends. Great credit card to have. They also let me know when it’s time for a credit increase.

Would like a lower interest rate. Don't know how long I have had this account but would be nice if you could consider. Thank you. You should have all the information you need To complete this request. I will respectfully Wait to hear from you with hopefully good News.

I have had no problem with Merrick Bank and have appreciated everything that they have done for me throughout the years. Theirs is one of the first credit cards I was able to get to re-establish my credit rating, and thanks to them taking that chance on me, I have been able to go above and beyond that!

Service has been acceptable and very good within the areas offered. I could recommend Merrick to a friend without reservation. There is always an opportunity for improvement as in time will be clear and visible. I’ve nothing further to add at this time as a response to this inquiry.

I have never received a limit increase despite perfect payment history. Was told it was not possible to do. I only keep the card open so that closing it won't negatively impact my credit. Unfortunately I would never recommend to anyone.

Would like to have a much lower interest rate. Always make my payments on time. Always pay more than the minimum due as well. I have nothing more to add to this comment. I would just like a lower interest rate on my credit card.

I can not asked for a better Credit Card Company, Merrick Bank has been the PERFECT situation for me and I am truly grateful to be a customer and to be a part of beautiful customer service that you give. I NEVER had to call to asked for a credit increase and anytime I had a problem with anything you guys ALWAYS took completely great care of me. I want to say thank you and keep up the wonderful work. I wished you had a bank that I could deposit money into because Merrick Bank would my personal bank and I will do ALL my transactions to you.

Bank is awesome, customer ***** five star rating...Thank You All!!! All that you all do is awesome, thank you for your services, and professional service. There is nothing else to say, I'm a very satisfied customer. Would recommend the bank to others.

Payment source mistake prompted account closure one day after it happened. Nothing in email, just closed. Then all of the agents treated me like scum because of it. I enjoyed the card until they took action for one mishap with zero communication. Oh well. I wouldn't suggest this card, they aren't very transparent in communication. Glad I didn't try to use it, funny thing is, I am up to date on payments, one agent was confused. It's like this was done all willy nilly.

While I appreciate the credit, the interest rates are too high!! I find the website easy to navigate. I did receive a credit line increase, thank you. I intend to keep this card even after it is paid off.

I have had nothing but good experiences with Merrick Bank, they are easy to contact, very pleasant and helpful at all times. I have been a cardholder for a little over a year and I am more than happy to continue to refer Merrick Bank to my friends and family.

The experience with Merrick Bank was good in all aspects. Their service of my account was great and their customer service was superior. They increased my credit limit immediately after reaching 6 month limit. They gave me advance notice about the account changing from Visa to Mastercard.

They charge a monthly fee and does not alert you if questionable charges are made, my history of purchases has been for years with them of $100-$150 at most in a month time but one day my card was stolen the criminals in 3 days time was able to purchase over $1800 one $1000 then 8 multiple $100 charges same day without contacting me if I approve the unusually high charges.

Merrick Bank would not supply me with either a detailed statement of my charges, nor a way to view them online. I paid above minimum payments for nearly two years and the balance never changed though, I did not use the card. This is fraud.

I am very pleased with Merrick. My payments are processed in a timely manner and I have rec'd several credit line increases! Highly recommend them, always a pleasure doing business with them. Please give them a try, you won't regret it

A retailer billed me twice for a item which was cancelled and that I never received. I contact the fraud dept with Merrick 4 times attempting to get the item which was cancelled and I never received credited to my Merrick bank card....which they did in fact issue one credit .... and thus far are refusing to issue the second credit .... Isn't that special....With Merrick Bank you never get your merchandise from the e commerce retailer and then the nasty little thieves at Merrick Bank refuse to issue me (the card holder) only a 50% credit....Merrick Bank and the retailer are in bed together to cheat me out of $443 dollars....I do not like dealing with Merrick Bank....They are !!!! Thieves and liars and crooks..!! With an outrageous interest rate of 30% on my open balance....It's no wonder why they refuse to issue me the credit which I require, requested, and deserve....Anyway you the consumer have again once again been warned.... Tracy

The company service agents do not have facts. They all have different answers. They are not trained appropriately. I only had one representative in 10 calls that knew what they were saying. Kudos to this person. The communication is very confusing. Not happy.

Overall, Merrick Bank helped me pay for what I needed to, and so I did expect to not get the full loan I wanted... I was more upset about the payback. I have no idea why I have to pay back more than what I loaned out, I have to pay back $2K more than what I originally loaned out & I find that completely ridiculous. I would not recommend to anyone unless they were desperate or last options.

Good people to do business with, would highly recommend to everyone who wants to improve their credit. Thank you sincerely for your support and the opportunity to make my life better. They do not make your experience with them a hassle, but a pleasure.

It has always been a pleasant experience with my Merrick Credit Card. I have had no bad experiences in conversing with Merrick representatives. It also easy to navigate the website where you're able to look at your monthly transactions and to see your available credit. Making a payment is made quickly and painless.

Merrick Bank is absolutely awesome. Originally, I started out at a $900 credit limit. 6 months later raised it to $1800.00. Make your payments on time. Merrick rewards you! I am now at $2000.00 credit line. Within a year's time.

Merrick has provided the needed credit to continue business. Not once have I been scammed for a “late one day” exorbitant fee routinely found in the business practices of Cap One. Very pleased with my experience with this bank. I would highly recommend them to anyone looking for a reputable bank credit arrangement.

Because of my loyalty and on-time payments I would hope to have my interest rate lowered. It is higher than other cards I have and my credit limit with you is also lower. I have never ever missed a payment.

Love the company and what they have to offer. Easy website and easy to pay your bill online. I also like that they keep track of your account and give you increases as you earn them. They have great customer service also.

Would rather not have monthly/annual fees with this card. I have had this card for a very long time and it would be nice to not have fees associated with it. I love the fact of how frequent you guys give me a credit line increase though.

This is a great credit card. The app is easy to use and pay on your credit card. They double your credit line after the first 6 months is why I got this card. It does lack a rewards program and the apr is at 29.99 %. This card is definitely worth having if you don't mind the lack of rewards.

My experience with Merrick Bank has been great. Their website is easy to use and they have met my expectations. They increased my credit line as they promoted based on my account status which was wonderful. I would definitely recommend them.

Okay I really like this credit card co. Very friendly and easy to deal with. Keep up great work. Even when I go on vacation out of country very easy to deal with on days I will be in that country and if I need anything while away call them.

It has been easy to make payments through the app. Limit increase for making payments on time are very rewarding. Wish the rates were able to be lowered. That should be an option to lower rates or increase limit.

I accepted the offer I received in the mail by Merrick Bank in order to continue building my credit. Once I got the card, I immediately downloaded the app and set up auto pay for the account. The app was very clunky, and the technology behind it seemed dated. I would call up Customer Service and they would assure me everything was in place and auto pay would work. It never did and every month I would end up paying late fees. I shut down the account after a few months because the auto pay again would never work, and they said they would have to report a late payment to the credit bureaus.

I highly recommend Merrick. No issues at all, love the fact that they are constantly review your credit and based on that they raise your credit limit. Anyone looking to have a card that will help you with your credit! This is the card to get.

Perfect credit card banking experience. Hassle free, this credit card company gives you a credit limit increase without you asking for one. Keep your payments on time and they reward you! They are also there for you 24/7 if you need help or have any questions. They also are experienced and knowledgeable in helping you getting started, and in other ways as well. I highly recommend Merrick Bank. I'm very happy to be a customer!

I thought the credit line they offered wasn't worth getting their card, but they claimed they would double available credit. I called, I confirmed, I used the authorization code myself, when the time came, they said they did see I confirmed with A rep, but my account did not come with A double your credit line program associated with it, and there was nothing I could do about it. My credit wasn't great, and it has not improved, which is why I think they are being intentionally dishonest. In G-d I trust.

This is has an amazing card that has helped me to double my credit score and be accountable! Thank you so much! I will gladly recommend you to anyone that is looking for a great company to deal with. I look forward to a long financial relationship.

I was approved for a card that was mailed in January, never came. I repeatedly called to ensure it wasn’t used and they lied to me over and over. First it was a wrong address, then it was a processing delay, then it would be there in 2 days. Card never came. Every person I spoke to had a different story for why. No one could update shipping in over a month. Seems like a scam or something dishonest and I was very dissatisfied with each person having a different story.

My banking experience have been a five [5] star rating and YES I would recommend your bank and service ...I find it very easy to make payments with your online app...I wheel your card with confidence. I thank you for what I have.

I am very please. Merrick keeps me informed and is very easily reached. I have never had any problems and customer service is outstanding when needed. Access online is easy and user friendly as well. Emails and notifications timely and accurate!

I had an unauthorized charge on my Merrick Bank credit card. Called Jan.10 to dispute the charge. They credited the amount back to me and I was told I would get a new card due to the fraud on the first card. I was told it would only take 7-10 days. January 31, 2023 rolls around and I do not have the replacement card. I called and was told the replacement card was not only mailed, but someone activated it. The woman also told me that I can still use it because it is activated. What?!?! I have never received the card and certainly did not activate it. This woman is with the security and fraud dept.

Merrick has been a great credit card to help me build my credit. Terms are clear and I've never had any trouble or felt taken advantage of. They do periodic reviews of my account and offer me a line increase accordingly. Very pleased in my years with them.

I never have any issues with Merrick Bank. From time to time, I always get cash from ATM and always been provided. Some banks would disable your account after 2 withdrawals. Merrick Bank has always been there for me. I am treated fair with their excellent service.

I have used this card for years. Whenever I have called, the customer service reps are very helpful. I will continue to use this card. The reps speak clearly, know their products and listen to what you are saying. Any issues I have had, they have resolved it to my satisfaction.

I do not use and carry the card much in my wallet because of its low credit line compared to my other credit cards from credit unions and major banks and are very good with everything else. Otherwise my overall experience is excellent.

Yes I recommend you because you increase the balance fast than other companies that I'm very happy because I'm check my balance in my application I have in my phone if you pay at time for 6 months you increase. That I love.

Yes This is an excellent card and Bank and the staff is very honest and they take their time with any questions that need to be answered and if there are any issues with online banking and or charges and or Payments. Thank you, Elaine.

My wife was told this was an error and would be credited. When I didn't see credit after a week, I was told it would be done. It's still not done. My wife spent a lot of time on these two phone calls, with so many press 1, press 2 options. Very difficult to get to anyone who could help.

My husband and I got an RV loan from them, BIG MISTAKE!!! We got a $12,000 loan 5yrs ago and our principal has only gone down $1700. We have tried twice to refinance with our local bank for a lower interest rate and Merrick will not send the bank the information they need for the payoff. My payment is $260 and I never pay less than $300. I paid $700 this month and my principal only went down $253. This company said they will help rebuild your credit but I have been about 10 days late a couple times and they told the credit reporting companies I was a month late. This $12,000 RV is going to end up costing me around $35,000. I would give them 0 stars if I could. RUN from the credit building and RV loans. Even their employees say that they will not get a loan from them!!!

Have outstanding history. Why should we still have a $4.00 charge to keep your card, considering cancelling card this year, please review account and see if there is a way, we could at least cut it down to $2.00 for that would help.

They do not offer 2 percent or 5 percent cash back on purchases. Other credit cards are offering this. At this point, it would be better to use those with the economic crisis with the inflation to give us the want to use this card.

I lost my debit card 3 weeks ago, I called to get it replaced and it's still not here. Luckily I have other accounts and cards but otherwise this would be totally crippling to my ability to function on a daily basis, and up until now I've had 0 problems with your service. Can someone please tell me what is going on?

Merrick Bank gave me an opportunity to establish credit. They gave me a credit limit & then a credit increase after successful making on time payments. They worked well with me even during pandemic.. Very happy with the outcome of this card!

All of my interactions especially with representatives over the phone were great. Reps were friendly, polite, answered my questions, and couldn't have been more helpful. I have one other credit card and no longer use it. That company doesn't compare to Merrick. Thank you all for your excellent service!

Overall I am pleased with my experiences with Merrick Bank credit card services. There has never been a problem. I appreciate the FICO score. The only thing I dislike is the interest rate. In a couple of years the bankruptcy will come off my credit report and I will transfer the balance to a credit card with a lower interest rate. But everything else is great. It's easy to check things and pay bills online.

Merrick has been easy to use, they reward you for good payment history. Great company to rebuild your credit ratings. I would recommend Merrick to anyone that needs a credit card and is willing stay on a good path to increasing their credit.

Someone somehow made 4 charges on my card totaling over $300.00. I informed Merrick of the issue and they immediately started an investigation into the transactions. I’m sure other companies do the same thing, but I’m impressed because when they looked into it quickly and found one other charge not made by me. I was issued a new card/number in a few days. The entire problem was corrected within a few weeks. I Love my Merrick card!

I would like to request a reduced APR and waive the monthly fee on my credit card. I am proactive on paying my credit card on time. Please consider waiving the fee and reducing the APR on my account. Thank you.

I am not that happy with Merrick Bank because my credit line is too low for my income even though I have requested to increase it, and I have shown an excellent payment history. My annual income is more than 170,000.00 a year and my payment history in 100% in all may accounts including home mortgage, credit cards and loans. The majority of credit lines I have with other banks are for > 10,000.00 and I've been with them only two years or less. Thanks.

I have never had any problems with Merrick Bank! I been a customer for many years and would recommend Merrick Bank to anyone. The website is easy to manage and payments are taken in a timely manner.

Merrick Bank treats you like a real customer. They are friendly and efficient. Merrick Bank has a great credit card. If you need help, they are there to work with you. I use the Merrick Bank card regularly. Thank you Merrick Bank.

In a relatively short amount of time since the discharge of my bankruptcy, this credit card has allowed me to re-establish my credit with minimal fees and with my excellent payment history I have received significant credit line increases from Merrick Bank which has given me more confidence and peace of mind having this credit line for emergency purposes.

I have always been happy with my account. I have never had any problems. I would definitely recommend this to anyone. I have never had to contact Merrick Bank for any problems. They review my account and raise my limit periodically.

Your people have been charging me over $4 a month for a cash advance I did years ago. I'm done, I will be paying this card off and deleting it. That is ridiculous. You offer nothing for this card if I use it.

Very easy co. to work with, never had any issues with payment system or any issue using my card anywhere, my balance is always correct and statements are easy to view and understand, I will continue to use this company in the further financial needs I have. Thanks... Ronnie **

Merrick is the best!!! As long as you are consistent with payments, they will take care of you! Got a increase and didn’t know until I paid my bill. This is the card for getting your credit back on track.

I've had nothing but great experiences with Merrick Bank and would recommend their services to all of my friends and family. They have made it very easy to have an account with them. They monitor accounts regularly to adjust limits.

The ease of use of this card is great, just this afternoon at the dermatologist, they asked what card I had used, they said no other card had processed a payment that quickly, thank you! I could not ask for more...

I would definitely recommend this card to a friend. In the years I’ve had this card I’ve been nothing but satisfied! Easy to access online for payments. I can use it anywhere and there is no yearly fee. If you have had great credit history with them they increase your credit amount. I truly recommend this card. It’s one of the few that I wouldn’t mind keeping forever.

Couldn’t understand why I didn’t rec yet paper statement & not by my request statement was sent email. I called had wonderful customer rep she told me I was late on payment & late charge was added to my acct. Well after explaining to her the situation she apologized for mix up. Credited late charge & mailed me all statements to review & I'm now getting mailed statements like it should have been.

I am very pleased with Merrick Bank and have not had any issues. I would definitely recommend this credit card to friends and family. I honestly can’t think of anything that the company needs to improve on. Awesome customer service whenever I have had to call. Thank you.

Great customer service; account is available 24/7 online; Easy to navigate webpage - everything you need is online; account protected from online fraud; NO FEES; complete transparency - no hidden fees or charges; a great mobile app; a variety accounts available... checking, savings, credit card, etc.

Calling the 800 number is a a joke. Reps don't speak English bad connections. I asked for someone in US, placed on hold for 10 minutes and hung up. Also, your interest rates are ridiculously high for someone with a credit score of 760!

I never thought I would get a credit card from Merrick bank because my credit score was very low. I have been with Merrick for almost a year, and my credit is improving each day. Thanks to Merrick for the opportunity to improve my credit score.

I am so happy with this card. This card has helped me rebuild my credit and it is greatly appreciated that they were so willing to help when no one else would. And yes I would recommend this card to anyone who is trying to rebuild their credit or already has established credit. This company is very easy to work with.

Got approved for a new card. Delay 1 was because of the Holiday. Delay 2 is because of "vendor issues". Each day that passes I get a sinking feeling that this company is not very trustworthy. I anticipate even more delays and based on other reviews, a bill even though I don't have the card.

I made a loan for an RV. I have been earning on time every month for almost a year, and my principal is almost the same, I contacted the bank and after a confusing explanation, I have accrued interest and for the next YEARS my principal must be the same!!! It's totally insane!!!!

I have had a horrible experience with your CC division, blocking my card without notification during MC changeover that led to returned or suspended accounts. CS said use a different banks card. An employee suggesting not to use the company they work for, incompetence. They refused to make me whole or compensate for damages. Try and reach out to executives personally. Rick Urrutia, Tiffiney Peterson and others.

I called in and spoke with Lenox, Diego, Sam, Carlos, Pretty, and finally a Mr. ** a supervisor. It took me 5 people and hung up on twice and about an hour and half to get a result. When I explained my frustration with Mr. ** he brushed it off like he could care less. I will be canceling all my credit cards with this company.

I got this card last year. Twice they have cancel payment. Never got an increase because cancel payment that month. Merrick charges high fees with no pluses. Going to try to close it again. Customer service is, also, a nightmare.

I had enjoyed using my Merrick Credit card until about 3 months ago. There has been a message popping up when I open the app that states "We are in the process of updating your credit card". I attempted to use my card & it was declined. After calling Customer Service, I was advised there has been a delay in processing my new card & that they closed the account. I also was informed there was nothing they could do about it. After looking at my actual card, the last 4 digits of the account, which is the new card, is different so why is my account closed on a new credit card with a new number that has NOT yet been processed. Something is NOT adding up! I have a new credit card number but no credit card & my account has been closed??? Make this make sense!

I would not recommend this company. Within the last year this company has changed from using Visa to using Master card. I received an email informing me of the change and I should be receiving my new Master card. Now it has been months later and I still have not received my new master card that is already activated. And my old visa thru this company has been deactivated. I can't access my account online because I don't have the new activated card and the old visa is deactivated. I am currently still paying my monthly credit card bill but I am unable to use the current balance. This is fraud I am paying on something that I can not use and the company can not tell me when I will receive my new card!

I lost my card and I was like crazy looking everywhere. I decide to just call and order a replacement. They told me, "Yes we can help you and you will get your card in 7 to 10 day." I was ok is fine. I been one month already and still haven't received my replacement. I will not do any payment in the card till I get it, if you trying to get a credit card I recommend you apply somewhere else not here like Apple Card, Capital One or other good and real bank. Not this new and bad services bank.

Saw no red flags. Applied Nov 11. Approved card by 25th. Called Nov 27th. No card. Was told it would be here on Dec 23rd at latest. Got a bill requesting payment. Called 12-8. Asked for sup. Sup Lisa hung up on me. Called back trying to cancel card. They hung up. Called again. Was told card shipped on 12-2. Would be here by 12th. Would not cancel. They gave first names but could give operator number. This cannot be a legit bank. Karen **

I've been waiting almost a month for my card. I've already been mailed a bill for a card I haven't even received yet. Maybe if I'm lucky I'll get it before the end of the year otherwise I'm being charged for a year that I can't even use it in. So much for Christmas I guess.

I’ve tried multiple times recently to speak to customer service and sat on hold for 20-30 minutes then disconnected! Close my account! Hopefully someone reads this and actually responds! Merrick needs more phone agents!!! Even trying to respond here keeps failing because not enough words!

We purchased a RV from Camping World in Cheyenne WY not knowing they used Merrick Bank. So far, they have never sent us a statement. We had set up automatic payment but were lied to because it was never set up. And now they are charging late fees because the payment wasn't on time. The lady from customer service was less than helpful so we'll see how this next month goes. If this is the way they operate they just need to go out of business.

I am very happy. Upon elimination of other credit cards. I kept Merrick Bank. Also, they give good increases, you don't have to ask! This is my personal opinion. I recommend Merrick Bank to all family, friends, and future customers.

My experience with Merrick Bank is a very excellent one. I am very pleased with their customer service and their quick response to any of my inquiries. My Merrick credit card Bank doesn't leave my wallet and it is an essential part of our daily lives. Highly recommended. Thank you.

Keep up the good work.. Very happy with you guys. Always on time. Easy to communicate with and no problems. Also never have known delay. Job well done. Always have my back in need and interest. You have the floor mat of ConsumerAffairs.

I have been setup on autopay my entire time. The payment history has caused several increases in my credit limit. This has come in handy when unexpected expenses have happened allowing me to make it to payday. The peace of mind having higher limit has given me can not be easily put into words.

I am well pleased and super excited to be a part of Merrick Bank. The customer service is excellent. I will definitely recommend to other customers. A great tool for building and rebuilding credit. This idea is well versed and I believe that this idea will flourish.

I was accepted for this card over a month ago. Five days after, I got an email stating I would get the card in 7-10 business days. On the 11th day, I called to inform that I had not gotten the card. I was told it was sent to some address that wasn’t even mine. They told me that card was cancelled and another one would be reissued and sent to the correct address in 7-10 business days. Still no card. I called again because I got a billing statement in the mail with my first payment due, but still no card. I asked why I was expected to pay a bill when I have no card. I was told because I made an agreement to pay for their services. I explained that he was correct…I did make an agreement to pay for their services, however, I was expected to pay for a services that I was not getting. I was told again that my card was now created and in 7-10 business days I would have the card.

Don’t think it should be a problem with the increase if you paying for it up front. When I called they told me I had to wait till December and ask because I hadn’t had the card too long although I was telling her I could use the debit card to pay now because I was trying to get a rental the the card was short.

Good card for starters. I needed to work on my credit so this helped a lot to have somewhere to start. I really needed this to get things going. This was all very new to me and this helped a lot to get something.

Very pleased with the ease of online access and bill pay, all the information I have at my fingertips. They caught a fraudulent transaction and immediately closed my account and issued a new card. I've been very happy with them.

A wonderful bank all banks need to be like this one. I’ve recommended this bank to friends and family. Customer service is really great. I also like the products they offer. This bank does not need to change a thing, just keep doing what you’re doing, you all are number one in customer service. Please open a branch in my neighborhood.

Merrick Bank is quick and responsive to update any transactions. Either purchases or payments. The monthly payment is also applied to your credit in a speedy manner. I was approved with little credit history. The secured card is a great tool to get your history established. I'm looking forward to doubling my limit after three more on-time payments.

Would definitely recommend and have done so, to friends and family. Very satisfied. No problems thus far. Thank you! I am satisfied with the increase, as well as the alerts on my account. Customer service is professional and knowledgeable when I need assistance.

Merrick gave me a card when others wouldn’t and allows my credit limit to double with responsible use, what else can you ask for? They operate with professionalism and treat you as a valued customer. I am very pleased with my card!

Customer service is very helpful and the Merrick Bank App is great for checking my balance and paying my bill. You can also monitor your spending from the app and it automatically updates. I use my Merrick Bank card all the time.

I've been with Merrick credit company for several years. I received the initial credit limit increase after having the card for 6 months. Received only 200 extra a few months ago. The credit limit increase is the worst although it was helpful.

Glad that they work with you despite not having perfect credit. Will keep this card forever. It will help me continue to work on building my credit to get where I need to be. I look forward to a continued relationship.

Not pleased. It didn’t help my credit at All, it’s really a bad deal. I wouldn’t recommend Merrick Bank to AnyOne!!! It’s adding marks to my credit. It’s false advertising and bad business. I’m making a complaint to the BBB.

Always easy to use website. I appreciate the customer service if I ever need to call. Looking forward to updating my personal information and income so that maybe I can get my minimum raised to do some home repairs that are in desperate need.

I would recommend my friends. It’s a very good card never had a problem when I am purchasing something. I get notified when it’s time for my payment. The only thing I would say is that I only got one increase since I’ve had the card outside of that. I really have no problems with the card.

My experience with Merrick has been great! I would recommend them to friends and family. Easy to use and never have any issues. The app is easy to use. Very user friendly. Never had any issues with Merrick. Love this company.

They help me get a secured card. It’s been one year and they have increased my limit twice with even me asking for it. All I did was made my payments on time and I got highly recommend Merrick Bank! if you are looking to built Or fix your credit!

Very happy with the new card that I received and I have always kept my payments up on time and hoping as time goes along my credit will increase. Also I appreciate you giving me the card. I hope by now I prove that I can handle having the card. Thanks again.

These people allowed someone to open a account using my personal Information without my consent, "Committed Fraud" and when I finally discovered it and made contact with them explaining that I was a victim of identity theft they more less said, "Oh well we're not gonna remove it from your Social Security number" so I'll be seeing them in court and have all the proof I need to back every bit of this up.

Updated on 02/10/2023: I was happy to sign for a new credit card by Merrick to continue to grow my already good credit score of 730. Merrick sent the card, I used it and made my first payment right away. I used it the second time and wasn't aware when payment due dates. I noticed a huge drop in my score of 79 points, that was listed to Merrick said I had a late payment,...but I never received a payment due date. I immediately paid the balance of $190, called them and customer service rep. said my due date is the 9th every month. But it was listed Nowhere on the original paperwork I was sent with the credit card. I wrote a letter asking them to delete the late payment on my credit and I'm Still Waiting for that correction to my credit score!

I was approved for a credit card and I received an email saying that the card will arrive in the mail within 7 days. After two weeks I did not receive anything. I called and they said they will mail the card. What I can't understand is why would they send an email saying I will receive the card in 7 days and after two weeks and I called about it because I didn't see anything, they didn't even mail the card at all. That is very unprofessional. Now they say they will mail out the card, let me see what happens now.

Thank you for the opportunity to get this account. I am satisfied with this experience. Looking to see where we will be in the future. I have had no issues with the account.. I would recommend this to a friend.

Even when simply making a payment, I get a written response reminding me that I am valued as a customer. In addition, I am kept well informed of many events that may concern me. Other than that. It's a great bank.

I am a new customer, but so far it’s been a great experience with no complaints! Keep up the good work! I received a solicitation today asking for feedback, so I am obliging. I wish I had more to say, but I really haven’t had much experience yet with Merrick, so here it goes. The application process was easy, the app is user-friendly, and the card helps build my good credit. By increasing my credit and paying back a small balance every month, I’ve increased my score already!

Merrick has been very helpful in assisting me with building my credit back. I would definitely recommend them to anyone. The app is very easy to use and helpful also. I absolutely love Merrick Bank! I now am able to rebuild my credit and have purchase power to get the things I need. Thank you Merrick Bank!

I am very glad because I am doing a good job with my credit to get a better credit score and I hope continuing to do it in order to get more credit and I also recommended for more people in the same situation.

I love the treatment I receive from Merrick. They let me feel as if I am their only customer. When they receive a payment (usually electronic payments), they would email me to say, "We have received your payment" and whenever I happen to call, they sound only too happy to hear from me.

Sent a payment of 50$ on Nov. 14 and still hasn't posted but all in all great bank to do business with. Would recommend to all friends. Customer service is nice and friendly, and very honest and helpful. Love my card, great credit card Co.

I still haven’t received a working card but I’ve had to pay $172. Customer service isn’t always helpful. I’m starting to think it’s a scam. I haven’t been able to set up an online account to manage my account and the bill always comes after it is due so I get a late fee. I’m paying for a card that I have yet to use. If I don’t get the card within the week I’m closing the account.

I was surprised when I got my invitation from Merrick Bank because I'm trying to rebuild my credit and they gave me a very nice card with a generous amount on it and they report to my credit bureaus all the time and it has brought up my credit score quite a bit and it was very easy to do the online part of it.

Very helpful in explaining why my payment did not go through, very understanding and helpful. The representative was able to process the payment successfully. I had just received the card and was making my first payment. Fortunately, there was no penalty processed. Thank you so much.

I do appreciate you giving me a chance to show that I can be responsible with credit. I have not had any issues, am sure if I did you would be fair with customer service. With the holidays around the corner am sure we could use some credit increase.

Merrick Bank has been very helpful in reaching out to me and offering helpful solutions to my personal needs. Customer service has been outstanding. Any questions that I have had have been answered to my satisfaction. I have not had any bad experiences using Merrick Bank.

I am very happy with this card. My only complaint is a wish you didn’t change a yearly fee. I feel the interest rate should be enough. But other than that I have had no problems with the Merrill credit card.

Merrick Bank credit card has really helped me build my credit and I use it on a regular basis. I am very pleased with Merrick Bank. I wasn't sure about getting another credit card but but I am glad I went ahead and got the Merrick Bank card.

The worst experience I have ever had with you offshore customer service. I called in 6 different times in two days, waited 1 and 1/2 hours one call and hour and 45 minutes the second time for a manager to help because after four calls my pin was not fixed. My issue is still not fixed. Will pay off card and close account.

I really enjoy the Merrick Master Card, the only thing I wished they would have left it as a Visa. Some places I go don’t take Master Card but it’s a great card to have. They treat you very well if you need assistance with something.

Overall I enjoy the card and use it over most of my other cards, my husband had one and I he was very happy with it. They always followed through with increases as mentioned when signing up or applying for card. He uses his quite often also. I applied and was approved and got my first increase like they said I would, I never miss a a payment and pay early but for whatever reason my increases stopped for no reason. I have waited thinking I was off on when I would get one but still nothing. Either way it's still a great card. I use it often. It offers cash back and is accepted anywhere I shop online or in store and it's secure. Have never once had hacking issue or fraud charges.

I'm terrible with names, but the sweet lady that helped me was awesome! She had the sweetest voice, was so patient and zero attitude. She even went above and beyond to make sure that my card would arrive before the Holidays. She genuinely seemed to care, that's a quality that is hard to come by these days.

So Far my experience with Merrick has been great from online to questions asked on the phone. I am very satisfied thus far. I have not had any issues with logging in or the website. Thank you. Thank you. Thank you.

On three occasions I decided to pay off credit card balance after I made the on time payments within the same month and all three times Merrick bank held the monies for 7-15 days even though they came from the same bank I make all payments with! They gave the excuse saying they occasionally do this because sometimes banks take back the money even after it has been cleared and removed from the account! They say it’s randomly done but it only happens when I make a second payment after I made the monthly payment on or ahead of due date!

I recently opened a credit card account with Merrick Bank. I was never informed that I would be sent a pin to use the first time. After that I would be allowed to set my own pin number. I called to get my pin set and the rep was very rude. She did not understand that I had not been told this. She also could not understand that a pin was not mailed to me. I ask her to set my pin after she verified it was me by asking numerous questions. I answered them all. She stated all she could do was send out my pin again. I should receive it in 7 - 10 days. She never offered any other options or tried to get a supervisor to help her to see if the issue could be resolved while I was on the phone. At this point I have already had my card for 4 weeks. I am not at all pleased with the customer service I received.

What started out as a not so good experience turned out to be excellent. After about 4 tries to get a rep I finally got Omar. He is the epitome of what a customer service rep should be. He was courteous, knowledgeable, and helpful. Whomever the HR person that hired him take a bow and be on the hunt for more. Omar represents Merrick Bank well. He restored my confidence in your services. If I ever need customer service again, Omar is the only way that I would like to talk to, even though I know that will probably be an impossible task. Take a bow Omar, you are an original.

I’m a new cardholder & so far my experience has been great. No issues at all so far… Also the app works great. Have not had any problems with the app so far also… Customer service is also good. Talked to them a few times in the experience was good..

Never a problem with this card. They understand my credit needs and never any exorbitant fees or charges! Don't know what else you can say about a creditor that never pushes an unwelcome agenda. They continue to upgrade their services in all sorts of areas.

This bank has given me a chance to rebuild my credit which I am very appreciate of the opportunity, and I will do everything possible to stay in good faith with this company. Thank you Merrick Bank. My family is in Ah Of me having a credit card but I tell them all about Merrick Bank how they gave me a chance, I advise them to do an application just try and see what happens.

Customer service has always been prompt and easy to deal with and they are great about giving you timely credit line increases as long as you keep your bill current. The online account access and monitoring is also very easy to deal with.

I have had no issues with this card. I like the app. I like to card. I don't like the great service. You're a tiny man. The only thing I would say is I would like to be considered to have my but my limit raised.

I'm very happy with everything with Merrick Bank. It's fast and easy to get the card. The staff always knows their stuff on the 1st call. Again I'm very happy with staff there. I have not received any incentive for this review.

I understand I have a few time return payment, but I have security deposit fee, thousand but even though I missed two or free payment they close my account. I think this is not acceptable. If possible, I would like to have this account reinstated.

Low APR and great customer service. I would highly recommend if you’re looking for a great credit card company and looking to rebuild your credit. I have had my credit limit increased annually and the annual fee is very low.

I want you to lower my interest rate and you won't. So I will be looking for a new card that has a better interest rate, plus by doing so they have 0% to start and you have nothing to offer me I guess.

I would exclaim to them that it's great opportunity to establish or enhance their credit. Moreover it can also help with the ability to make it through the economic crunch we all can face at some point. I have been satisfied with the use of the service.

I have had an account for years only had 1 or maybe 2 increase. I had a late payment in 2018 that's this on my report due to me getting less hours but things are much better now. My payment is on track. Card paid off. This no increase.

My account was restricted for paying a balance in full over the credit limit. In addition I had to pay $15.00 to fax my bank account statements to get my card working and account. Yes I'm unhappy with the service and procedures of this company. I just like better service and at the least be restricted for a real reason and not for paying the card in full.

Tried to pay my bill online, got locked out of my account because of a KNOWN ISSUE! Should have let us know via email or a message when you try to log in. Paid my bill with the woman at the call center which was fine but took a while. Asked her how to get my account unlocked and she told me I would have to call back another time. That is really inconvenient.

Customer service is everything when dealing with banks and credit card companies.. I mean why wouldn't it be these people are dealing with your money. Well this bank sucks when it comes to customer service!!!! When you call for clarity on charges the customer service reps are so rude and definitely don't like to explain things that might need clarification. I am sorry I ever did business with them and can't wait to close my account in the coming month!!!

You were one of the few companies that offered me credit when recovering from health issues a few years back and I appreciated that. Who knows what tomorrow brings, life is not guaranteed and should not be taken for granted.

I believe that in order to help make use of your services, especially for seniors, you could make it possible to make account payments by phone, with bank cards etc. Forcing people to make a special trip to post offices, stand in line for hours, get a money order, and stamp, and mail it in, we should not be forced to do that or give all of our banking info, just to auto pay. Almost sounds like someone enjoys stealing from people's accounts, otherwise you would not make it impossible to easy pay.

I am very satisfied with the opportunity that Merrick Bank gave me to help establish more credit. Because of their commitment to me I was able to purchase my. FIRST HOUSE!! THANKS MERRICK TEAM. YOU ALL ARE GREAT!!! My credit was upgraded because of my Secured Credit card.

They have done everything they said they would do for me. Very helpful to anyone needing credit help. I would recommend this to anyone. They have helped raise my credit 40 points so far. I’m a few more months. I will see another 15.

I have never had a problem with them, customer service is always helpful if ever I need them. App easy to use too. I would say I just have had a great experience. Increased my credit line which was really nice too. I’m very pleased that I have an account with them. ***** 5 star rating. Thank you Merrick. I appreciate you so much.

Would not refund a fee for me. I know I had already had one refunded, not the point. I have been a Merrick customer a long time. I had fraud and merrick called me asking for personal info. I was not comfortable with that at all.

The monthly fee is the source of my dissatisfaction. I just paid off the card, think I am free of monthly payments at least until I spend, then get a notification that I owe $6 in the next 15 days or I will have a late payment fee attached. It is rather frustrating when I have paid a large sum onto the card to pay off the debt. This is not the first time this has happened, either.

When I was notified of the new card change I choose the blush color. My card was lost in the mail. So I had to reorder and was not giving the option to get the card chosen which I was not happy with. I was told the option was not available however if I ordered it in the beginning it should still been able to be honored. I was very disappointed in this outcome.

I like how the App makes it easy for purchases and payments. Thank you so much. I need to do some home repairs my flooring and that's about 5,000.00 and the front porch it's falling apart. Yes I want more on my card. If I just had one card with Like 10,000... I would get rid of My other credit cards. Well I'm paying everything off and then I'm going to remodel my house.

You have one of the best websites around. It is easy to navigate and to use. If I ever have an issue, it’s taken care of with speed and great care. Merrick is very efficient in dealing with me and I am glad to be a customer.

Was told my order would be rushed and it didn't get rushed and I wasn't told about it. Second time the card supposedly shipped and didn't. Not happy about this at all. Plus, I was misinformed a couple times as well.

I love the online bill pay feature. The online app is very easy to navigate and read. I have never had any issues. I would very well recommend Merrick Mobile app to everyone who uses and/or does business with Merrick Bank.

I think this is a great company. They answer all your questions and listens to what you have to say. I have experienced a great relationship with this company. Thank you.. I recommend Merrick to everyone you will not regret it.

I was on the phone for 1hr and 40 min plus. Transferred 4 times and nobody had an answer. I asked to speak with a manager. They told me they were busy. I had called back late at night, spoke with a manager. The manager didn't have an answer. I had to be put on hold for them to find out.

I was very pleased with the way that my situation was handled concerning my payment. I made a payment from an account by mistake and I corrected it immediately. I was not penalized for the mistake and I was happy to see it did not affect my rating on my credit card report.

I wanted to know if I carried a zero balance would I still be charged the monthly annual fee and she laughed and said yes then she said no. So I still have no clue. She was very nice. I just felt that there was a language barrier which did not allow her to understand my exact question.

I am happy with my credit card, however you switch from visa to MasterCard. I never got my Master card. Try calling on the phone but didn’t get anywhere. Too busy please call me to fix this issue. Thank you,

I recently moved and changed banks, unfortunately my banking information was wrong and a fee was changed to my account, if all my accounts Merrick Bank was the only one that didn’t return the fee. The associate I talked to was very rude and unprofessional. I have always paid my bill promptly and am very disappointed with them.