Merrick Bank Reviews

My interactions with Merrick have all been positive, helpful experiences. When I was a day late on a payment I had a prompt email reminding me to make the payment. The app has been super easy to navigate as well! Thank you!

Merrick bank credit cards are great whenever I need to speak with a representative the wait time is not long and the representatives are always nice. I enjoy using my Merrick bank credit card because when I filled out the application for my Merrick bank credit card it said that every 6 months I would receive a credit line increase as long as my card remained in good standing and just as it stated every 6 months receive a credit line increase.

I do like the credit card. I do wish there was a better way to get a credit limit increase. I also would like the account to be updated quicker-taking two days to update an account is a bit slow in today's technology.

Was very helpful with explaining my credit card to me and helping me get through the process. Was very patient with the questions I asked and didn’t have a attitude. I would love to recommend this bank to other people

This Credit Card company is professional, wonderful and very customer service oriented! All THEIR employees are in the United States and have the values of real America! I would recommend Merrick Bank to everyone, especially for the True Americans who believe in meritocracy.

My credit number approximately four months ago was atrocious. Yet Merrick bank did not turn me away. In fact they were happy to have me as a customer and give me a second chance. I look forward to building my credit

Merrick Bank was there when my choices were few giving me the chance. They improved my credit score. They improved my life and now I'm getting credit card offers from more companies that had refused me before. I remain loyal to Merrick bank for helping me on many levels. Thank you Merrick bank.

My experience with Merrick Bank has been very basic and unsatisfying, I've been with merrick with over a year now. I have secured credit card which I never missed a payment and have had good history, I was never offered a better card or even a credit limit increase unless I sent my own money which is very bad after a year of being a loyal customer to you guys. Honestly if I didn't need this account for my credit history I would close it, please in future do better to your customers, I have other credit cards that made my secured cards unsecured and gave me a great credit limit in only 6 months. I hope you guys do better in the future.

First, consider yourself warned. DO NOT apply for or deposit ANY money into a CD with this bank. My financial advisor disowned me because I blindly applied for a Merrick Bank CD. First, as we know it is ALL online with little or no guidance after a laborious application. The sketchy sporadic failure of the employees to answer the very basic questions is frustrating. Phone static and incompetent phone employees is insane. Nobody has any answers and the answers you get are VERY different than the ones you got the day before. My application took over 2 hours, I reluctantly provided all critical, personal information (I know, never ever do that) but I did. My application was accepted last week then today.... yup! They lost it. The lost my online application. Expect that to happen to you IF you are dumb enough to apply to ANY account with Merrick Bank. They are HORRIBLE.

After 9 years of being a loyal customer never late always more than minimum due paid. Not only did they cancel my card they would not even speak to me about reopening my account. I was denied access to a supervisor.

I am Very happy with credit card. I just wish my interest rate was less on purchases and cash withdrawals. I have paid more than minimum payment and wish that accounted for a lesser interest rate. I appreciate the credit limit increases.

I enjoy using your product, I don’t have to call in with any issues but when I do I can count on your professionalism and ability to solve my issue. Very courteous and great value to use, also the ease of using your website.

Merrick Bank is a GREAT Bank. I'm so glad to be associated with Merrick Bank. I give 5 stars, for excellent service and for the credit increases. Most companies advertise services and then do not honor the services, Merrick Bank delivers on all the services promised.

Would like a better interest rate. Always a larger credit limit. Also some of the retailers I go to, do not accept Master Card, only Visa. Especially Costco. I shop there a lot, and now I can’t use my Merrick Master Card there, because they only accept Visa. Why did you make this change?

No complaints. Bills are accurate. On time. The automatic increase in credit line shows that you are appreciative of consistent on time payments. I will definitely recommend your service. Wish that interest rate could be reduced rather than increases in credit limit.

Little or no help at all. Trying for 2 weeks or more to get these charges off my card. On the phone waiting for 2hr. Took the day off because I knew it would take all day to speak with anyone. I have been a member 2013 good standing. Just don't understand.

Was notified of possible fraud, froze account, issued new card, for 4 weeks I have been unable to speak to someone to dispute charges, transfer calls get hung up on, on hold for over an hour twice, leave messages and no one ever returns calls.

Card doesn't work at Costco, the gas pump doesn't accept Mastercard. I always get my gas at Costco. I have to go to another gas station and the gas cost more. Costco gas stations do not take cash either. Thank you. Sally **

Very polite, professional! Extremely knowledgeable and patient...The person that attended to me was nice polite and courteous. They answered my questions and solved my problems with speed and accuracy. It was a pleasant experience!! I did not have to wait long for someone to assist me. I was very pleased..

I called regarding the interest I am being charged since my time with Merrick. I chose to have my call returned rather than staying on the line. That returned call never was returned. Whenever I call, I will remain on the line. I understand that the staff shortage has caused long waits, but I’ll wait.

I have been a Merrick Bank card holder since 8/2012, and but the past two days was the last straw. I have an unauthorized charge to my card and I have been trying to dispute it for the past two days. Been on hold for a total of 2 hours in two days. Thirty minutes the first day (7/26/22), and 1 1/2 hours the second day (7/27/22).

I got a card over 8 months ago with Merrick saying they would double the credit line after the 8th payment. I made all 8 payments well within the timeframe, was never late, and few weeks later no credit limit raise. Tried calling them they never answer just leave you on hold, contacted social media help they want you to DM them only to call you and if you happen to miss the call then it's back to calling them back and being on hold and hold, even with the specific phone number and ext they give you on voicemail. Now they stopped responding to me at all. So yeah, look for better cards, don't go after this one to have more credit line cause it's all a lie.

On June 6, 2022, I attempted to make a payment to Merrick Bank of $70.00 on their website. However, their site was down. Therefore, I scheduled a payment of $70.00 to Merrick Bank using Bank of America's online bill pay service. According to Bank of America, the payment of $70.00 to Merrick Bank cleared my checking account on June 13, 2022. I sent proof of payment to Merrick Bank on July 2, 2022. Merrick Bank, however, stated that they never received payment; and thus, have suspended my account and charged me a $29.00 late fee. As a result, I believe I’m being penalized unfairly. This is the second consecutive incident in which Merrick Bank has alleged that they did not receive my payment from Bank of America. None of my other creditors have ever experienced such issues. My desired resolution is that Merrick Bank waive the late fee of $29.00.

I contact this company regarding an email that I received for upgrade. When I ask him a question about my concerns this man hung up the phone. So I had to call back and the speak with supervisor. The rep had put in the system that it was a disconnection issues. That false information that employee hung up the phone because, I ask a question about the switch from Visa to Mastercard. The Rep, said, "Let me tell you something" and I ask him, "Who are you talking to with the disrespect." The the services has gone downhill with this employees in these other foreign country. English language is not clear most of the time with the broken English. If it wasn’t for customers they wouldn’t have a job but this company need to make changes and provide serious customer services training each month. Some of these Rep behavior is really obnoxious and very disrespectful.

I will no longer be able to use at Costco, there for your Stupidity and your greedy Management to change to Master Card which I also dislike. I will do my best to discontinue use of the card till I pay it off.

Did not help with trying to work with me regarding payment history, lowering interest rate until working hour become back steady. Also, I haven't used this card since January 2022, at least you should grant me 6 months grace period until my money situation become back steady. Thank you.

I am very happy with the service that Merrick provides. And the fact that you reward your customers with benefits that really matter, based on performance and compliance. Being willing to increase the credit limit, based on being a good customer, is very helpful.

Easy, fast and useful. Everything has always been very personal and discreet. I feel that my personal information is very well protected. I feel very good being a client of Merrick Bank. I feel I can recommend Merrick Bank with confidence.

A flight was booked using a Merrick Bank card in early Jan. I had covid and could not fly per the country's regulations. Merrick could not help in refunding the money after I was not able to receive help from the airline. They denied my case although for other purchases placed on other credit cards all were refunded. I am looking towards cancelling my account as my other cards are much better.

My one complaint is that I had it set on my computer to automatically log in which worked great for a year. My computer re-freshened and forgot the login and password. I do not remember them and have been unable to get online again due to the impossibility of getting them on the phone. It tells me to go online, but without a login or password, it tells me to call them. A perfect catch 22.

We love our Merrick card. Merrick bank is a great company, bank to deal with. They have Easy and convenient ways to pay, we like the notifications - it has been a great experience doing business with Merrick bank card.

Called MB on a Saturday to have a new card sent to me, expedited, and agreed to the $29 rush fee. Told to call back on Tuesday for tracking. Called and no tracking. Called the next day and MB confirms this was sent out yesterday, standard. MB confirmed notes in the account that the replacement was to be rushed. Agent put me on hold for a bit and came back and told me they would send it out today, expedited, and waive the fee. Great! Asked for a tracking number and put on hold, call unfortunately disconnects.

I like the credit card and had no bad experience until I decided to pay my payment earlier than the due date. I decided to pay my bill on the 1st thinking I would get it over with so I wouldn't have to worry later. Well they ended up on the following month saying that I never paid. I called and was told that because I paid on the 1st it was put on the previous month as I paid 2 times for that month. I was so livid because I was never told in any of the paperwork that you would be penalized for paying early. Which the lady I was connected to also stated how it's not my fault because they don't tell anyone. But yet I still have to pay twice the payment amount they had me pay a payment and added another at the end of the month. Which makes it 2 payments I have to pay and was not told that during the conversation on the phone. I had to find out when I looked on my statement. Lesson learned. I will not pay any of my credit card bills early again.

Great communication via email. They offer autopay which is awesome. You don’t have to request a credit limit increase as they periodically check your eligibility and give you one if you meet their standards financially. They don’t have any monthly fees unlike this First Premier card I had that would charge $6 a month even with a $0 balance.

I love this credit card. They are very helpful when you have questions and up your spending limit when you are keeping your account in good standing. The extra credit comes in handy. I just moved into a new place and the extra credit came in handy. That was great. I didn’t have to ask. Thanks.

I would highly recommend Merrick bank to anyone. Great company. Always there when you need them for anything. Customer service is amazing. Very helpful and knowledgeable. I definitely am a life long merrick card holder. Of all the cards I got merrick is the absolute best. One low interest. Very fair reviews of my credit and very honest. Love this company.

I found my experience with Merrick Bank satisfying, because it has given me an opportunity to reestablish my creditworthiness among other things. Merrick Bank offered me a generous line of credit to start, a chance to maintain the ability to use the Merrick VISA credit card in a responsible manner, and all the while help me increase my overall credit scores. I was then able to rebuild my credit, showing that I was deserving of the chance, and I went on to establish a good relationship with a creditor. Thank-You Merrick Bank! Ms. Terri

I'm happy with having the advantage of a Merrick Bank card and would recommend to a friend or other. I've never experienced any issues and like the ability to view my account online. Paperless is good, paying online is great.

I’m enjoying the service. It was my first credit card. The APR is somewhat high but my credit score was crappy when I applied for it. Just wish the limit increases didn’t take so long or were so little. I think I’ve had 3 increases. Had the card over 3 yrs.

Merrick Bank has been great for me. I would recommend my friends and family to them. Customer service was great. They resolved my issues and will remain loyal to Merrick Bank. Merrick Bank keeps me updated on what's happening and when it's time to review my account.

I paid my bills on time perfectly. Never missed a payment. I got approved for other CC and accidently forgot to utilize my Merrick CC for a little while. Next then you know, my account is closed without warning for lack of use after 8 years! Called CS and they were so callous about it, just kept saying over and over, "Sorry it's in the policy." Matter fact, I actually did not get not ONE sorry from any of the customer service. Don't waste your time with Merrick, they hate on their own customers. Spiteful and jealous corporation. Total **!

Got qualified for a Visa. Received my card instantly and activated. My beef is that they sent me a separate PIN in a mailer which would not work. When I called their support to get it changed, got a very foreign speaking rep who first asked for my full account number, then my full SOC. I don't think so. Didn't trust that. I hung up.

Does not follow through with offers they make to get you to open account. Their guaranteed credit line increase after 6 on time payments is scam. It doesn't happen. The so called guaranteed increase is just to sucker people in.

After being a single mom for years, my credit was not exactly good. Merrick Bank gave me the opportunity to gradually increase my credit worthiness with regular increases for maintaining a good payment history. The automatic reviews are convenient rather than having to submit a form to increase my credit limit. I would definitely recommend this card to a friend.

I have so appreciated Merrick's "trust" in me...when I first got this card my credit wasn't the best...but Merrick trusted me...gave me a chance...and has often increased my credit limit. This means so much to me. You are a great bank...and the couple times I have called customer service they were very helpful. Thanks a million. I love you guys...Bob **

Merrick is not a company I would recommend anyone get a credit card with. They are horrible to their clients. I put a dispute in and had all the proof that merrick asked of me. The company I was disputing dispute me back. And even though merrick had all my proof they sided with the company. Capital One would have never done that. That’s why as soon as my balance is paid off, I will be closing the account. I will tell all my friends who are looking to open an account with merrick to just stick to capital one. Merrick does not value its customers. It’s all about money.

I was scammed on Paypal. My bank, and Capital One both reversed charges. Said not my fault. Merrick did not. Said valid charges and screwed me with almost a thousand in charges. Will be paying off and dropping this card.

I consider Merrick to be a fair and awesome company and I always recommend them to my friends and family. I really appreciate them because they are very friendly, courteous and professional to do business with. Thanks very much Merrick.

After paying my balance in full my account has been restricted. It has been one week after the payment cleared my bank. I checked the available balance before trying to use the card and was embarrassed trying to make a purchase only to be declined. Customer service informed me I needed a letter from the bank stating the balance was paid. How can this happen when they see it has been paid in full. I have never been late and only one month from double my limit. Must be their way to get rid of you, but customer service also refused consumer request to close account with zero balance.

You can be assured that Merrick Bank will help you find the resources that best suit you. I have a credit card with Merrick Bank that I have never had an issue with. You can trust the services that Merrick Bank offers.

I am very happy with the bank. Their app makes it very easy to keep track of spending and making payments. It's always worked. No glitches. Recommend to friends and acquaintances looking for a good bank card.

I have a couple issues with Merrick bank's credit card. Firstly, they have reported my credit usage at the highest point of my credit use. That is awful because I have always paid my monthly credit card bill in full well before the due date each month. I have NEVER carried over any balance whatsoever. I currently have zero balance, but my credit usage has not been updated with the credit bureaus! Because my credit lines are limited, the high credit usage on my credit report has adversely affected my credit score by -30 point over the past two months. It's making me feel sick to my stomach.

When I call, it is impossible to increase the credit limit or to review my interest rate. Never missed a payment that I am aware of, and always paid more than the requested/required/suggested amount. When I did finally get through to a representative, she very curtly said, "We don't increase credit limits at the request of customers." Could have said, "We don't increase credit limits until it is time for a review." Would have probably been better received. Thank you, I haven't closed my account, only paid it off.

I have misplaced my card in my home. I want to cancel and get a new one but you cannot do that in the app or online like you can with literally every other reputable bank. There is not a chat feature either, so my only option is to call and wait on hold. The wait time was over 30 minutes and there was not a call back option so I hung up and still do not know where my card is. I got a new phone and do not remember my password to pay my bill. I cannot reset my password or get my username because it requires knowing the account number. I do not know the account number and do not know where the card is. The lack of customer service is appalling.

The reason I love Merrick Bank is because compared to other credit card companies, in my opinion, this bank is quietly doing the right thing. I have never had a problem that they did not handle quickly. My issues which have been few over the past 10 years was not problems with the bank and the way it operates. I honestly believe that when I never have problems with my bank it is because they are doing things the right way ALL the time, not some of the time.

2 items ordered but never received. Charged to my account through PayPal **. Merrick Bank was great in standing behind the purchase. I did not know PayPal was involved. I thought it was going on my Merrick bank card. And there was no indication on the site that it was coming from China. I would never have ordered. Thanks for helping me with this!

I'm fairly happy with my card. I appreciate the occasional review for limit increases and the fact that there is no annual fee. I'm not happy with my interest rate and ask that it be reassessed for a lower rate. Thank you.

After realizing that my card was missing/lost, I put a quick stop on the website. Now, I've called several times to speak with someone about a replacement and discover that my wait time is unacceptably long. I'll try again tomorrow, Monday 12/20.

They are kind, respectful, courteous and professional. They are there when you need them. They know how to give and how much to give. The payments are great, the rates are ok. I would recommend my friends.

I am very pleased with Merrick Bank. I've never had any issues with them on anything. I appreciate the fact that you all gave me a chance to build my credit and keep on helping me with raising my credit score. Keep up the great work. Thanks and have a Merry Christmas.

I disputed a charge on the account, they ruled in favor of the merchant. Once my account gets to $785.72, I will cease paying. I can not pay for a service I did not receive. And, now my car is making noises I have never heard before.

I was a customer for nearly 5 years while I was rebuilding my credit. After paying off my debts I wanted to renegotiate the terms on my card, namely the monthly fee. I realize that fee is minimal but if I don't maintain a balance on the card why would I want to pay a fee. I called to cancel and sat on the phone for 30 minutes before anyone could help me. Apparently they do not value their customers as their only option to resolve this was to cancel the card. I called one of my other cards held by Credit One and they are actively attempting to remove the annual fee and keep my a customer. I will not recommend Merrick to anyone.

I’m satisfied that with the customer experience and well as the function of the app. The customer service agent are helpful and friendly. I appreciate the automatic increase in my credit line from time to time.

$1495 charge about 8-10 months ago. Disputed due to not receiving what I paid for. Followed all protocols, tried to contact company several times. Never received response. Was locked out of their acct. Immediately filed dispute. I was told by Merrick you spoke with them and they said was resolved with me. Never resolved, company NEVER spoke with me. I ended up paying the charges. Horrible experience with Merrick. Now that credit score improved, will be looking to move to a different card company.

I have been pleased with the customer service I received. Still waiting on the last request to readjust the interest charged of $61. You actually should have received the payoff check prior to my due date as all the other creditors received their checks. Hopefully this can be resolved before my payment is due next month on the 5th.

I have been with Merrick Bank for a year now and I love how easy it is to use their app. It's not just easy to navigate through my transactions and see what my balance, due dates, and pending transactions are, but it's great that I can schedule my payments prior to their due dates. Aside from those features above, I am so happy that I can check my credit score, which is really important for me to monitor and compare with other credit reporting apps and the three major bureaus.

I have nothing but good things to say about Merrick Bank. They have treated me good and been a great source of help when I needed it. I would highly recommend them to anyone serious about having a good credit card.

I have had Merrick Bank card for several years. I always pay on time. Then one day they just cancelled my card, no warning or notice that they were going to do that. I called and no one could give me a reason why. Someone just told me that they could do that anytime. I was furious since I always paid on time. Next thing I knew they had reinstated my card and raised my credit limit which I didn't ask for. I really do not understand their logic.

Merrick Bank has been sitting on my credit card payments for weeks - this is per my bank Chase who assured me all 7 payments in question had been indeed sent to Merrick Bank. Chase also told me that Merrick Bank did not accept them. They do NOT help the hearing impaired. The only way to contact them is the phone and/or snail mail. I cannot talk on the phone. Sent 3 letters to Merrick Bank and NO response.

It sure would be nice if you lowered the interest rates on your cards instead of increasing the credit. Eventually when I get my card paid off I am going to cancel it due to the interest. You guys do have excellent customer service.

Guess my payment was losted in the mail and I had contacted my bank in which gave me tracing numbers to call Merrick Bank with and the lady on the other end had not a ** clue .... She kept telling me that take 10 days for payment and I sent my payment in 9 days ago....Facts I sent payment a month ago.

I am a user on her account and have been paying on her account for years. I can no longer access her online account and have to pay by phone. I have called to explain this but person was rude and would not listen to my dilemma. The message I keep getting is you are blocked due to excessive attempts with incorrect information. That is just not true. I was told they would have to speak to my mom. She is 97 years old and not capable of a conversation. I would certainly appreciate some feedback on this. I have my own Merrick account and have no problems with it. Thank you in advance, Vicki L **.

Merrick is one of my top banks. I am very happy with the way we manage my account. They have been there when I needed credit and (as long as you make your payment on time) had trusted me enough to raise my credit limit. I am extremely happy with Merrick Bank!

There are too many steps to confirm that bill has been paid. I have made an online bill payment at least 3 other times that led to me paying a late fee. I assumed that the bill was paid only to discover that it was not. This is the only credit card that I have experienced this issue out of 5 credit cards.

I have only needed to speak with customer service one time, for something was truly was my mistake, and they graciously gave me a couple day reprieve. It was very much appreciated and definitely needed at the time. I would certainly recommend Merrick Bank to my friends and family!

Merrick being a credit building company for those who need a second chance, I cannot thank them enough! Limit increases automatically as long as you do your part. I hope this company continues to grow!

A few years ago I applied to Merrick Bank for a credit card. My credit wasn't in good standings. Merrick approved a credit card for me and it was my first one. It has helped me raise my credit score. They also increased my credit limit twice. I would recommend Merrick Bank to anyone.

I started out with Merrick Bank several years ago and they really helped me establish my credit. They have given me increases when I deserved them and when I have ever had a question or any information their customer service representatives have always been helpful and knowledgeable. I would definitely recommend Merrick bank to anyone looking to start their credit journey or just need a good reliable credit card.

I started my account with $600 limit with an annual fee and paid on time for 6 months and it was automatically doubled to $1200 as promised in agreement and now after another year has gradually been raised to $1900. I have not had any adverse responses from the company nor problems tracking my transactions or payments on the website account.

I applied for a cc. Was approved, however I quickly decided that this was not something that I needed- I did not want to keep this account and I wrote them to close it within a week of approval. I hadn't even received the card yet in the mail, it was never activated. Within a few weeks I was being hassled about my "payment being overdue." When I made contact via BBB for mediation, they responded telling me that I owe the "annual fee" regardless of whether or not I kept the account or even used the card. So to just get approval, I was immediately locking myself in for their "yearly fee", even after immediately closing the unused account. After my bbb report, they suddenly claimed that they had sent me a confirmation of account closure immediately after receiving the request- this was a lie as I NEVER received any confirmation letter.

I like to pay my credit card account on the phone rather than on computer or cell phone. A few occasions I have spoken live to your staff and everyone has been knowledgeable and polite and were able to help me solve my problem.

I like my Merrick card because your reward program is so simple and I never had to wait, or accumulate points, blah, blah, blah. I get the credit, how ever much it is immediately. The other cards kill you with complicated programs. Nuts to that!

I received an email stating that I could win a Shark or Dyson Vacuum. So I tried and they told me that I won and the amount they could charge was $2.00. Well, they charged $49.95 AND I Haven’t heard from them since. I appreciate all the help that You gave me.

A payment was made by a family member and because it wasn’t my account they locked my good standing account insisted on a letter of authorization from his bank. His banks corporate office said they do not do letters of authorization, Merrick insists they do. They refused to just cancel the payment and allow it to come from my account on file. I’m a customer who has never been late or over limit. So not only do I have to figure it out, I have an outstanding balance I can’t pay on because I’m restricted from my account! We always pay on each other’s cards and this is the only one who has given any issue. Spending a few hours on hold to try and straighten it out don’t make them any more appealing.

Merrick did everything they said and helped me get back my credit. They are very easy to work with and I am happy to be back with my credit score. I really don’t need another credit card, Merrick is great. If a person wants to establish a good credit score they will help you.

Merrick Bank credit card has been great for me helping me build my credit and thru hard times in my life. The only thing I would like to see is after a certain point Merrick would drop the interest rate for customers that have good payment history and their credit rate get up to a certain level.

I’m a new home owner and I’m updated the curb appeal, new windows, new AC & furnace, new water purification system, and I’m updating a lot of the interior, my problem is cash flow..on had money to manage from week to week. Merrick Bank is a big part of helping me manage with the use of their bank card. Thank you.

I cannot login to my account because it says too many attempts have been made. I called and worked with rep to change password. However, after one successful login, I received the same message that there were too many attempts. I don't know why this continues to happen, but it is frustrating. Now, I just call in to make payments.

I have not had one other than my Double your line. The increase my wife had was a measly $200. If you want to compete with Discover or Credit Union then the increases should be substantially higher. I’ve been with Merrick for quite sometime without an increase and it is very frustrating.

Never had any issues with the card or making payments. Thank you very much for being a great company that allows for people to get credit cards and build their credit. Good job! Have already recommended this company & card to friends.

When I reported my card stolen I was told I will have a replacement in 7 to 10 day. I called back on the 10th day and I was told no card was requested so I waiting almost a month. I had issues with motels refunds and disputes on my account. I called and the rep said I can help you, you have to wait.

We had prior credit issues and decided that we would only have one credit card. Merrick Bank gave us the exact credit line we needed to keep us in check. The easy access to information and the helpful customer service has been both satisfying and mutually beneficial for my husband and I. I highly recommend Merrick bank.

I was in Hospital 6-27/7-7. Not enough oxygen to body?! When home I was so relieved I took time to just breathe! When I realized Bills were due, thought I had all bills, couldn't remember all. Called Merrick! Told them. Said all ok. Would not dun me. They did. Late fee 29.00 on 7/8. Still love my card!

Although I’m not in constant contact with them, I do enjoy the fact my credit limit keeps climbing. I use the card only as a backup when my wife and I are on vacation. The payments are lower than some of my other cards.

I have been very happy with my experience with Merrick Bank. I have always been able to contact the customer service when I needed help and the representatives have always been able to help me in a professional manner.

Had my card for a couple of years and the automatic service works good to make my payments in time. It also gave me a chance to improve my credit score and my credit as well. I am happy with Merrick Bank and would recommend to friends and family.

I am very happy with the way I have been treated by Merrick Bank. The credit increases have helped me to attain a greater buying confidence. I would recommend this card to anyone looking to start a credit history or rebuild a credit history.

They're OK when looking to rebuild your credit, but once you get on track again there are much better options. Customer service is outsourced internationally and the interest rate is one of the highest in the market (at least for my credit score). On a positive note, overall, the mobile app works well.

Every time I deal with someone which is rare I have the best help and they fix it immediately. I also use your app. Which is hooked to my bank account and with one swipe I make a payment by the way is pretty freaking amazing.

After sending over tons of documents and waiting a week for a $5000 loan, they declined me due to income/debt ratio! I make $2500/month and my total debt is $5000! The whole reason I was applying for the loan was to consolidate and lower my payments. Ended up going through Prosper and got my loan the next day with minimal documents and a lower interest rate/payment! Don’t go through Merrick!! It’s a waste of time and money!! Use Prosper instead! I was much happier with their super easy application and super fast funding!

I do not like the face that you will only take off late fees once a yr. If a person calls before their due date the late fee should be waived. I has some ill family members with covid & I managed to keep working as much as I could to pay my bills & also take care of them. So my paycheck were a little short & I just needed to put it off a few days & they said no because I had already ask for them to waive 1 this yr, due to the same circumstances. Almost always paid on time.

I have never had a problem with Merrick Bank at all. Customer service is very friendly and helpful. Raised my credit limit without me having to ask. A lot of benefits with having this credit card and the list goes on.

We love Merrick Bank... You have been wonderful to us. We hope to continue this lifelong relationship with you... We always receive good service and very helpful agents! Thank you again! I would recommend you to anyone!

I have read some of the reviews. Those are company generated reviews. Click on MERRICK BANK LATE FEES and see what people really think. I have very good credit. To the point that I tell companies that I do not want any increase in my available credit. My bills come in and I pay them. Three times in the last year I have had late fees tacked on to my fees even thou I sent it in two weeks in advance. I sent four other bills the same day and no problems. The last two times that they charged me a late fee, I Had the postal service date stamp the envelope before I sent it out to prove that it was sent out at least two weeks prior.

So far I've had nothing but great encounters every time I have had to talk to customer service. The card always works and auto credit line increases have been decent. I personally would like to see more often credit increases but also understand on a business level why it is the way it is.

No “order #” or request for assistance. I did receive a limit increase (unrequested). Only other business conducted has been my usual monthly payment activity. All this said, I certainly appreciated the unexpected limit increase and I always have a painless monthly payment experience. * I REALLY appreciate a very realistic and reasonable cutoff time. Some cards have a cutoff time which is actually early in the day of the date due, especially when time zones are taken into account. Seems somewhat unfair for your payment to be required made by 4pm of the date due, when it should realistically be midnight. Oh well, not Merrick. Live and learn AND read the fine print. Thank you!!

This young person Jose ** Is just starting his life as a new High School graduate & is now going to College to continue his education in Diesel mechanics. Merrick Card has help me build my credit back up again. I believe this is a great opportunity for him to start on.

So far I have no complaints. I’ve had a card with Merrick a while now and have had good credit increases. Also I don’t worry about extra fees or anything. What you see is what you get. I love the app and the customer service is excellent.

Very pleased with the customer service and with the ease of doing business with Merrick Bank. I just wish there was a way that a long time customer as myself could switch my credit card account to a no fee account.

I have a credit card from Merrick bank & my husband has one as well. They increase credit lines after 7 months of your account being in good standing. The credit line doubles at that time. Their customer service has been great as well.

I am happy with my overall experiences with Merrick Bank and how you increased my credit limit several months ago. I think that you should have a better system for displaying recent credit card activity or transactions. I think it should be displayed on the account home page of your website, maybe in 30 or 90 day increments up to and including the last 6 months.

This company has been great. They raise limits periodically if you make your payments on time. Their mobile app is very user friendly and works instantly if you need to freeze your card/account if you have a lost or stolen card. I really have enjoyed their services.

Other banks have declined to give me credit card as I had no credit not because I have bad credit but because I just didn’t have credit. Merrick Bank not just have a credit card but now they upped my credit limit. I am happy with my card. Now I am building up my credit. Thank you.

Great credit boosting card with very reasonable monthly payments! Love the credit line increases!!

When disputes occur the Credit Card Companies have a legal obligation to be impartially and decide with Facts which party breached the contract. Merrick Bank did neither and demanded pay without investigation.

I am very unhappy not realizing I was going to have to pay a fee each month not to mention the interest rate being so high. I guess with the Covid 19 going on and everyone's income being hurt others are regretting getting this charge card. Hopefully I can pay it off soon. One month I had a 27,00 extra fee and the gentlemen I spoke with on the phone said that charge was because I used the card to charge something. Well on that note I have been dearly trying not to use it. I will try to get my balance paid ASAP so I can close this account.

I am very happy with Merrick Bank, they have been helpful to me on several occasions. They are courteous on the phone. They answer the questions that I have asked and they give me advice when I ask it.

I called Merrick bank regarding a merchant who repaired my car. Come to find out the mechanic closed his shop when I went to complained about my vehicle. I logged into my card and I saw it was pending. I asked the customer service agent at Merrick please cancelled the transaction. They told me no. I was dissatisfied with the merchant. They did not repaired my car. I was told to filed a dispute. Meanwhile the transaction was pended. So I filed a dispute and I was denied twice. I was told they are not ensured to give me my money. And I have to go to small claims court and dispute the payment. I am done. You are better off getting a credit card from another bank. I have to pay $700 for a car that was not repaired at all..

I was charged during Covid 19 restrictions for a gym membership that I could not use. I disputed these charges but it was found by Merrick that they were legitimate which I still disagree. I will not use this card for any type of recurring charge in the future and my Merrick card is no longer my regular credit card.

I just wanted to say with you guys you're one of my credit cards that I've had the most advancement in the most payment increases with. I'm grateful to be affiliated with your bank and hope that we continue to do business together for a long time. I thank you guys for a continuing to be a great Bank even throughout this pandemic and I just wanted to say thank you.

Considering that I am A++ credit, I found their high interest rate and poor customer service to be a limiting factor in using their credit card regularly. Then they clinched it by closing the account without any advance warning simply because I had charged anything to the card for 12 months. You would think that with a $45 annual fee they would just keep the account open for the free money they get off the annual fee, but nooo. No matter. I get better card offers from other banks all the time.

Chase, so far, takes the cake when it comes to consumer UI and ease-of-security alerts, but Merrick Bank definitely has improved over the last couple of years in the consumer UI and ease-of-setup aspect. Still like keeping their Credit Card due to the constant automatic limit increases and the fact that it reports to Transunion and Equifax, at the same time, for the same card.

So far as a Merrick Bank credit card customer I have been very pleased with them. Any questions are answered quickly and professionally. Rates are good and the online credit card management tool is easy.

I have had a great experience with Merrick Bank, and their Credit Card, it has helped me to establish my Credit. And, has rewarded me generously, with credit line increases, for which I was appreciative, because of my excellent payment history. Thank You, Merrick Bank!!!

Every time any unexpected charge has occurred on my husband's credit card account, we call customer service and they have looked into the charges with us right then and we were able to get the clarification needed.

This was a great company for a secured card to help rebuild credit. I do wish they would offer the option to switch the account to an unsecured card after a period of time with a great payment history.

Increase in credit limit, I have been a loyal customer for years. Pay my bills on time and gotten other credit increase, my credit score has increased drastically and high. Still has not gotten a proper increase in my credit line. I think I will use this card less and get another one.

They made the payment manageable for you and getting to the website is very easy at all time. The only one problem I think that they can make the interest rate smaller after being a long time customer with good credit rate and keeping your account in good Standard.

I scheduled a one time payment and then a day before the payment I signed up for auto pay but took both payments. I called and they said to call my bank there was nothing they could do. The bank won’t refund the payment unless I can show that the card was paid in full. I need my overpayment of $789.32 ASAP.

Never received a refund for a cancelled flight due to the 2020 pandemic. The airlines gave me useless credit towards my next flight when I wanted my money back. I went through with Merrick Bank to force a refund and instead they sided with the airlines and refused my refund. Been a full year and nothing. When I needed you to protect my money during the toughest year of my life, you weren't there. I've since signed up with another credit card that actually reports with Credit Karma and Transunion (4 years since I got your card and have no credit to show for it!). Extremely disappointed.

I would’ve kept a card if you didn’t nickel and dime for a four dollar a month fee with my credit. I don’t need to pay a fee of any sort as now I have three credit cards that don’t charge me annual fees so that is why I got rid of your card.

Having Merrick Bank Visa card is been very great. In the past I had Credit card with other Bank, but they had to closed it because I was in a situation I couldn’t pay on time my bill. But when I got Merrick Application to build my scores by using their credit, I took this opportunity to use this Credit wisely and always pay on time. Ever since then, I started using it and my scores are good so far. I can recommend anyone to trust Merrick Bank.

My account with Merrick Bank has been very rewarding. Customer Service reps are always helpful and nice. I would recommend the company to anyone. I hope that things will continue in the new year. Thank You.

My experience with Merrick Bank, has been rewarding, in that I keep my account with always paying the amt. On the due date and try not to be late, and is rewarded with my limit being increased and it always come at just the right time.

This was my first Credit card since I was 18. Overall I’m happy, the increase my limit every so months. The app is easy to work and pay. I just wish my APR would decrease and cash back opportunities were present.

I was charged for something I didn’t do and I think it’s completely ridiculous that I have to pay for something I had no part of! I’ve had 3 different people tell me things, but regardless when it comes down to it I didn’t purchase or sign up for anything. Just because there’s an address that says they sent it to doesn’t mean I received something. I had to replace 3 cards due to possible fraud which was brought to my attention by MY BANK, that’s how I even noticed all this nonsense to begin with! I actually had just noticed something very strange on the hill in my yard up by the road, and once I finally went to see if it was an animal, it was actually a clear garbage bag of Amazon packages!!!

Overall, my experience with the bank have been average. The interest rate remains high even though my credit score has improved drastically over the years. The annual fee seems unfair since it is in addition to a high interest rate. I have received regular credit line increases, but they are small ($200-$400 at a time). Customer service doesn't offer much information about what is missing or what more should be done to improve my experience.

Since I have been a customer for a long time and my credit score is very good, I think I should have my account offered to have not fees and a better rate. This has not happened as of yet. My FICO score is over 700.

We appreciate your increase in our credit amount in these trying times. It has made it so we don’t starve most of the month. My wife has been in the hospital recovering from back surgery and have relied on having this card. Thank you again. Dayna **

I would have given Merrick more stars but their unwillingness to reward people like knocking down their interest rate on your card. I have been a credit card holder with Merrick Bank for many years, I live on a fixed income (100% disabled) and I have NEVER MISSED A PAYMENT, NEVER GONE OVER MY LIMIT, NEVER HAD A RETURNED PAYMENT (money to make payment has always been in my account). I just feel when you make all this effort, and been a loyal customer that it should be taken into account.

I have never been late on my account. I never asked for a credit increase but.. Merrick Bank never offered me either. Merrick Bank has never asked me how I was doing financially, they just ask for their payment each month.

I got my Merrick card at the same time as a competitor's card. I have made payments exactly the same way on both cards. Merrick has raised my credit limit multiple times and is over double the credit limit on the other card. I appreciate them actually paying attention to my efforts and rewarding me for them. I recommend Merrick Bank to anyone who will listen! Thank you.

I have had this card for about a year and a half now and have received 2 credit limit increases. Overall I have been pleased with the card however the Merrick App could be a little more user friendly. I also would love to understand how they determine the amount distributed at credit increase times.

I have held a card for a few years with never having a late payment, I have other cards from other banks that the interest rates are a lot less. Would use the card more if the interest was lower and the credit availability was higher then I would pay more on it every month but kinda dissatisfied with the interest rate and available credit.

When the pandemic first hit and I lost hours at work, I called all 4 of my credit card companies to ask for a lower interest rate and less finance charges to cope with COVID. All of my credit card companies worked with my except MERRICK. I have never missed a payment nor have I ever been late but they would not consider my request.

Merrick Bank is an exceptional credit card company. They mean business and comply with all your needs to establish your account with them.

No yearly fees and a lower interest rate than other credit card offers. I was approved for a generous credit line from the start, given some of my credit issues in the past. Payments post in a timely manner. Very pleased.

I do not recommend. They closed my account because they stated that I did not update my address on file! I explained that I had tried several times, but since there were no changes, it would not accept the form. They "claimed" they mailed letters, but never received and stated that it was probably because my address was incorrect. They asked me to verify and SHOCKING, it was all correct on file. I asked if I they would reopen the account, and they said no I could reapply for another card. NEVER AGAIN!!! HORRIBLE!!!

Merrick extended credit to me after having filed bankruptcy. They have helped tremendously in rebuilding my credit. I would recommend them to anyone looking for a good credit card.

Great customer service and the app is easy to use. Merrick has also been helpful during these difficult times. They don't charge me a late fee when I send in my payment one day late like other credit card companies. They seem to have a more human quality to their company versus a lot of the other credit card companies.

Merrick Bank has allowed me to grow my credit score in the right direction and also rewarding me regularly for being a “good” customer! I would definitely recommend this card for someone just starting with credit or trying to rebuild or just improve their credit score!

You gave me an opportunity to rebuild my credit following a very difficult time in my life. You have consistently raised my credit limit over time and I appreciate that. I also love your Android app which allows me to check my balance and schedule payments with ease.

I have had zero problems working with Merrick. I have made all of my payments on time & every few months I receive a credit limit increase. They have even called ahead before processing transactions that they deem suspicious. I would definitely recommend them to anyone.

I want to thank Merrick Bank for giving me the chance to build my credit score for the better and for giving me a higher credit limit like they promised! I highly recommend them. Thank you so much Merrick Bank!

I would have to say having the loan with them was not a terrible experience. However in three weeks since we pay off our loan we still have not received the title to our travel trailer and they continue to take payments out of our account three weeks after our account was closed in their system. I have to wonder about the integrity of this company and I certainly would not recommend them to others.

I've had this credit card for over a year. There are so many inconsistencies with this company. Don't expect any credit line increases. One of the worst companies I've ever dealt with too numerous to go into to. Do not subscribe to Merrick credit card.

I would NOT use this card. I had no issues until the day I needed to file a dispute. Merrick Bank takes a long time to complete the investigation and when the investigation is done the representative told me it's "highly likely the claim will be denied". I was always taught it's safer to use credit cards and not bank cards because in the event fraud occurs the credit card company will be diligent. In my case I ended up ordering a product online. From the time I hit submit I knew something wasn't right.

I've been very happy with my Merrick Bank Credit Card experience. The application process was easy and my account gets periodic reviews for credit increases. The Merrick Bank Credit Card has helped me build and repair my credit.

Very often, my password is incorrect and the system locks me out. Each time, I had to call the support. They quickly fixed the issue. It is annoying that it seems to lock me out often. However, the support are friendly and helpful.

I love that you guys give automatic credit increases without having to ask for it or hurt people's credit to get it. This is truly the best card I have ever had except for the monthly fees. If those went away with time having the card in good standing, it would be the perfect card. ????

I’ve been very happy with my experience using Merrick Bank. I would and have recommended them to friends and family. They’ve given me the opportunity to have a quality credit card and good credit limit while building credit. Thanks Merrick Bank.

I have never encountered an issue that wasn’t addressed and fixed completely to my satisfaction by the end of my call. Merrick has been regularly reviewing my account and offering credit line increases since I’ve had my account. I’ve been able to completely overhaul my credit rating through my Merrick credit account.

Time for someone to initiate a class action lawsuit against Merrick Bank. Like so many others, I have to send my payment in the day I receive the bill, because they usually do not post it for more than two weeks. When I call to question why they wait so long to post it, they're not sure, but warn that I will be charged a late fee and interest if I don't make a back up payment over the phone, just in case they don't post it. I have excellent credit and pay off my bill each month, yet I've been through this countless times over the years. Can't help but wonder, how much money does Merrick Bank rake in each month by stealing illegal late fees from innocent customers? They need to be held accountable for their crimes.

Great customer service interaction, staff very professional and friendly. Always polite and soft spoken. Exceptional customer care. Thanks Merrick bank for all the service you provide kudos to your team members.

I use this card as tool to help rebuild my credit the rates are very high so having a balance can get costly. They do not help you when in a bind with any emergency credit increases, so don't count on them coming to your rescue like other credit card companies. They told me quickly that they are a secondary credit company and have very limited services that they offer.

I am really big on customer service, whether it is via phone or online chat. I do everything online myself and rarely need help. However when I do need help I expect someone that is courteous, helpful, and knowledgeable. In the past I haven’t had any good experiences. When I verbally spoke with Merrick Customer Service to get help with my account I was thoroughly impressed and the level of knowledge and compassion this guy had! It was so great that I wrote a letter to his boss about how exceptional he was! Merrick right then sold me on their business forever!

Easy to use and make payments. Merrick's app works very well for making payments. Easy to read/find menu options. Most everything needed is available on the app. Even your "FICO" score is at your fingertips.

I opened a credit account with Merrick while working to improve my credit standing. After several months, I was notified that my limit had been increased! Very happy about that -- means I'm doing things right.

Merrick Bank has been a pleasure to deal with. I have a credit card from them. After making six months payments, they extended my credit limit without having to ask. I make my payments online, so it's very easy to deal with them.

Life happens-and after a nasty divorce I needed to rebuild my credit some. I got the offer from Merrick Bank and was approved. Six months of timely payments and my limit was doubled; just like they promised. Merrick’s customer service has been great and don’t regret the decision at all. Will be keeping this card!

They have been most helpful in the past, and even raised my limit after 6 months. I cannot beat that anywhere! Customer service has been very courteous and friendly when speaking with them. I would highly recommend them if you need to help get back on your financial feet again.

I have nothing but great service. I highly recommend. They have giving me the opportunity to rebuild my credit. 24 hour customer service. Favorable credit limits. Easy to use app to pay your bill online fast.

Please be aware this bank is all about making money and get rich fast, and no concerns about how much it'll affect the consumers livelihoods. They have no intention of help you if you're going through a financial hardship like the covid 19. They claimed they want to help you establish your credit while they made you sign a lifetime annual fees, interest fees set for a lifetime. Here's what they did to me! I did set up auto-payment they took payment out of my account every month for 2 years. Until, I started to received call from a 1800 collecting payment for Merrick Bank. I thought I was scam. I said to the caller, "Hung up. Let me call the bank myself." Surprisingly, they deactivate my auto paid just to get me to reactivated again, so by the time they already charge me a late fee and reported me to all 3 credit bureau. Regardless, how much I fought with them they wouldn't change their mind because all they care about it's what you sign up for!

I have been a member with a Merrick Bank credit card for over 13 years. Recently I discovered through Experian that they closed my account. I called them and explained that my husband had Metastatic Melanoma and passed away and that during this traumatic time and the fog of grief I had failed to use my card. They said they would not reopen my account. I inquired as to why, was I not a good customer? I was a very good customer. Always paid on time, never any late fees and generally paid my balances in full. The end result is I am being punished for the death of my husband because I did not utilize the credit card.

I have had the Merrick Visa credit card for several years. They reduced my credit limit because I had not been using the card. I received no warning or alerts. I just happened to be checking my credit report and my limit was dropped from $4800 to $300. They said they do this just before they close out the account. I was never late with any payments and this was my emergency credit card. They did not give me any warning. If I knew, I would have used the card if I knew they were going to close it. Not a reputable company. Would stay away from this bank!

I have several creditors and during this pandemic, all but Merrick have offered deferrals. I called their number to see if I could get a deferral or at least get a late fee removed. After several years of on time payments, I was late by a few days on a single payment. I explained that I’d been out of work for six weeks and would be able to catch up within a few weeks. The operator was short, unhelpful, and distracted by kids and a tv in the background. I paid the bill including the late charge. A few days later I got a letter reminding me how important it was to pay my bills on time and, did I know that late payments would cause me to be reported to the credit bureau. Their empathy was nonexistent.

Updated on 05/05/2020: So, as I stated below, 12 days ago I believe, Merrick Bank did reopen my account after they did review the tape to hear that their associate 4 times on the recorded line gave misleading info.. But, they told the BBB that I received misguided info.. So, I've tried for 4,22 hours today after speaking with 4 different depts., and hung up on 3 times, I have decided to pursue other legal actions against Merrick Bank, as they simply refused to do the right thing. As now my credit report has a massive negative mark on it too.

I have a perfect payment record and a zero balance. I had not used the card in a while and I got an alert from my credit monitoring service saying my account had been closed. I called them. They said they had sent me an email. They had not. I have every email they have ever sent me. I logged into the website and I had been sent no alerts. They also said they had sent me a letter via mail and then acknowledged it went to my physical address where I don’t receive mail and that they did have my PO Box number. End result is the account remains closed. I expect better from them and I would not recommend them unless you are planning to charge away for life.

I have had a Merrick credit card for over a year but did not use it until March 2020 while traveling. In April, the height of the Covid-18 pandemic, Merrick notified me I had exceeded my limit by $51 and DEMANDED AN ADDITIONAL PAYMENT above and beyond the monthly payment. No big deal, I made the payment. However, it demonstrates what an incredibly out of touch and uncaring organization Merrick is. At a time when most institutions are trying to help their customers, Merrick is demanding additional payments in an effort to boost their revenues. I will not use their card again.

Have had this card since 2013. Have never made a late payment. Not once. Have never gone over limit or had any issues. Ever. Paid off the card last February. I check it often to make sure there are no fees etc. I have paperless billing. Never a message that Merrick was about to close my account. Got a letter in the mail that my account was closed due to inactivity, but has nothing to do with my credit. Impossible to get a hold of someone. They have the worst customer service ever. Finally get someone on the phone. No help. All they could tell me is that my account could not be reinstated. No further explanation or assistance.

Every time I’ve spoken with an associate, they have been rude, clueless, and disrespectful, including a woman named Lou, and a manager named Andre. I’ve been on hold now for 2 hours on the dot and I’m still on hold.

I have been trying to get Merrick to honor a 150 dollar payment since 3/22/2020 I have explained that I am stuck out of town and that my banks computer system is down due to the Corona virus situation. They have refused to let

Merrick credit card was my emergency card they canceled my credit card because of inactivity without warning. I have a credit score in the mid 700s. I've been a customer for years. It's just a crappy thing to do to their customer. Also, there's no way to reinstate it. I'll take my business elsewhere.

I absolutely Love how Merrick raises my credit periodically due to good payment history (even when I have a high balance). Customer service is very helpful and I like the mobile app. Everything is really easy to use.

Had several increases. Always pay way over limit due. I have Requested lower rate and they refuse to do it. I also notice that when I have paid on their site, they do not record it right away. They wait 3-4 days so the amount they charge for interest is more. I never look at my bill mailed to me. I just know I owe it and have bank send in. This one day I looked and I had paid, over 300.00 in interest in 7 months and highest balance owed was 2500.00 of that. I am working on paying them off. They do not reward you for perfect payments with lower interest rate.

My experience is credit card related. I'm working on building my credit score to well over 700. When Merrick offered and approved me for a credit card my score was in the high 500. Over a year later and with consistent credit increase (without having to ask for one) my current score is 693. I can attribute this to Merrick's excellent customer service.

I have enjoyed being a part of the Merrick Bank consumer group. My concerns are always taken seriously. I have used the card for travel and have had no difficulties. They continue to assist me in learning how to manage me credit score with clear suggestions and answers.

I have been with Merrick for a couple of years now, and even if I have paid on time and have been a good customer my interest rate is way too high. As a matter of fact I am working on getting this paid off and not using it again.

I love Merrick but I am billed monthly for the yearly fee. I was paying off all my cards and paid off both merrick accounts I have and put the cards away in my drawer. I have had 0 late payments in 3 years but missed the monthly annual fee of 3$ over the course of 69 or 90 days which was somewhere around 9$ and it was reported to the credit bureau. I am livid about that. I know it was my oversight but I wish merrick would pull that report back. Charge yearly so people like me that have a 0 balance but have a slip up of a 3$ charge don’t have this issue.

I have been with Merrick Bank for a few years now. I also have 11 other credit cards and my Merrick Bank card is one of my favorite. A little higher interest rate than the rest but I have always had good customer service and absolutely no hiccups with my monthly billing. I would definitely recommend Merrick Bank.

I like their service and how they review credit and give increases automatically. But I dont like the annual fees and monthly fees! I think once you have been a great customer for over a year paying way more than the minimum balance these fees should go away. Because of these fees I am more than likely closing my account within a month or 2 at the most unless these fees disappear. Thank you.

I got the Merrick Bank credit card offer about 4 years ago. I had never heard of them before and did some researching. It seems that offer 2 different cards, one secured and one that is not. I was going to give 5 stars but took one away after reading some other reviews. I took one star away based on they are closing accounts of long time customers based on no activity without warning them. Lowering their credit tremendously and then finally cut off. Why cut off customers that should be considered as being loyal and has been a great benefit for both the business and the customer.

I called to cancel the payment for my secured card but they still billed me for the card. I didn’t have money in my checking account because I keep my money in my savings account. My bank charged me for nsf even though I called to cancel it. Worst part of all is their billing department only opens Mon-Friday. What’s the point of having customer service if I can’t talk to billing on weekends.

I have found that the Merrick Bank statements are lacking all the information. I would like such as the breakdown of the payment divided showing principal and interest, Plus statements are missing from the website. I have found several statements are missing on the site as well. If I could get my RV financed somewhere else, I would!!!!

Merrick Bank has been excellent to work with. Easy web access, fair rates, great credit info and tips, overall great company to deal with. I would recommend Merrick to any of my friends or family members.

I am so thankful that Merrick has been good to me. I was rebuilding my credit and they have helped tremendously with my credit increases. They do show you that you are being a good customer as well. Also, customer service is amazing! Thank you Merrick Bank!

I’d give them 5 stars but I think the yearly fee is high and after being with you guys for 3 years they should waive it. The interest rate the as my other cards without fees so I think they need to rid of it.

I have had nothing but good experiences with my time spent as a customer. I have been very pleased with the service which has been provided by Merrick Bank Services. I look forward to a long partnership with your bank. Thank You!

I have been with Merrick Bank for over two years. I have been very satisfied with their services and would highly recommend them to my friends and family. I have had at least three to four amount increases, in the short time that I have been with them.

Whenever I need any assistance or have questions about my account or services available to me, the customer service is extremely accommodating and most helpful... it’s a true pleasure to carry the Merrick Bank Credit Card. I feel that I’m honestly a valued customer.