Merrick Bank Reviews

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.

Since I was approved for a credit line on Merrick Bank, I never have any issue, my credit line has been increased 2 times without calling the bank, so I proud to be customer with Merrick Bank and also in the future will recommend someone. Thanks.

Merrick has been exceptional for me. They offered me credit when no one else would. Steady increases in my credit limit and absolutely no problems. Would recommend to a friend with no reservations. Thanks for being there for me.

The customer service representative’s name was Treasure and she was so kind and helpful during an extremely stressful situation. She immediately put me at ease and very quickly helped me to a successful solution to my problem. I have rarely used my Merrick Credit card but after this experience I will be a regular user.

I was anxious to rebuild my credit after going through Bankruptcy 6 years ago. I was warned about bogus credit offers and sure enough I received several offers in the mail that looked pretty questionable. Merrick was the first credit card company that seemed to look fairly legitimate so I applied and was accepted for a modest credit line. I put the card to use right away with small purchases which I paid off each month and after a year or so they increased my credit line automatically. Later I had some emergency expenses that came up so I carried a balance for awhile but paid it off after about six months. The interest rate I paid was fairly high, but I figured that's what you expect from a starter credit card. I like the online account and payment system which seems to work well. I've never had to call customer service so I can't say anything about that part of it, but overall I've been very happy with Merrick.

Absolute worst customer service I have ever had in my life. I'm actually debating on canceling this card because they are so ignorant rude and then woman hung up on me because I was not going to jump through hoops and she wanted me to do all kinds of craziness coz I got locked out of my account and I could not understand what this woman was talking about. Absolute worst service ever. I don't even want this card anymore especially is this is how you treat your customers.

They approve you for fake credit limit. After you pay there annual fee they cancel your account and ruin your credit even more. I called in and everyone is in on the scam. They even tried to make up a security excuse.

I have had a credit card through Merrick Bank for over 2 1/2 years now. I think it’s ridiculous that there is a $5.00 mo fee. I have never had a late payment. It’s the only card out of 4 I pay a fee on. I called and asked if they would waive the fee and was told no. I would close the card but it would affect my credit so I keep it. Not happy about that. Enjoy my $60.00 a year Merrick bank. Ty.

Merrick Bank has less than mediocre services. I have this account for 6-8 years, always had fair to good credit, & I’ve only received/offered one credit limit increase. That’s been in the last 90 days after I decided I was going to pay the account off & close it.

Merrick has treated me as a human being and has had faith in me when others have not. I have kept my end up by making timely payments, and when Merrick reviews my account I can typically expect a credit line increase.

I been so frustrated and aggravated with Merrick credit card company, I been losing thousands of dollars because a flight purchase over internet, I used Merrick credit card to purchase the flight, after the purchase, it was no response from travel agency, about flight information, got nervous and file dispute with the merrick credit card, them a day later. I had some response and some exchange information with the travel agency I drop the dispute. On return flight wife and daughter had to stay extra days in Europe due to the dead of a family member, missing the day of departure, the travel agency recommended to purchase a new flight, and get credit for a lost flight, but in order to get the proper credit, they need an simple letter, from merrick credit card, with an merrick bank stamp and proof that the dispute is closed. But the merrick bank refuses to send the letter, cost me thousands of dollars, I got so frustrated I close the account with this credit card bank.

Merrick bank had the worst institutional banking policies I've ever encountered. When I would send a payment on my credit card they would purposely withhold the payment until after the due date so that they could add a late fee. It didn't matter if it was a check or money order. They would wait to post it. I sent in payments up to 2 weeks early (before due date), and they would not post it until it was a late date. Their practices are legally questionable. I paid off my debt through a collection agency and they have refused to post it to my credit history. Do not use this banking institution.

This company promises to double your credit line after 6 months. I made my payments early and paid the card off early at one point. I called 2 weeks before the credit line increase date and asked for it early since I paid all of payments early. They declined, so my advice is to go with another bank, they don't care about their customers. Credit One is really good, and Capital 1 if you qualify. Avant and Indigo are also good with their customers.

I am extremely happy with Merrill and believe that I have been treated fairly and would willing and gladly recommend thorough others. They were kind and took a chance on me when I really need it. I am forever grateful and feel blessed to have found them.

I have had a very positive and productive experience with this bank. Ease of access to my account, secure banking, and an overall positive relationship with this bank has made me feel secure in my dealings with them. I would like to explore more avenues with Merrick, thank you for the opportunity to express my opinion and experiences.

Agents are unknowledgeable and unhelpful when needs specific answers. Meaning, when calling, then asking in depth questions which require calculations, you are put on hold for an extensive amount of time where the the agent assumes after while you will become impatient and end the call, on hold for 30 minutes at least. However, I decided to call back, hopefully the next agent can be more helpful. Repeated performance with the next agent. After my 4th attempt, with the last agent, calculations became too confusing so she place me on hold for a supervisor, which I was placed on hold again for 30 minutes. Therefore, I just decided to give up, this was becoming too much of a task just trying to get valid answers. All I wanted to know is an, "explanation on the hidden fees", no one could give me substantial information nor answers. THIS IS NOT A SMART INVESTMENT!!! Too many hidden fees and escalating rates on a monthly basis.

I had been a good customer for years. I received a letter this month stating my account had been closed for inactivity. I have never made a late payment and have been an excellent customer. I called customer service and they refused to reopen my account. I feel that a company should advise its customers prior to closing a credit card account instead of after...not a good way to do business.

This is by far the worst bank/credit card I've ever owned or worked with. The fees are absolutely ridiculous along with the APR. However, I looked beyond that because I'm working on my credit. If you ever have a question or concern about your statement, the customer support team has no clue how to do their job, or know even how to look at a statement. I had to explain 4 times the number I was looking at on my statement, and what I wanted to know. This lady just kept saying "I don't understand the question." I wanted to know how they calculated the balance subject to the APR. It really was as simple as that! I'm not sure if she didn't understand proper English, or was new but that's not the first time I've had this issue. I just want to pay this credit card off and close this account.

Opened a line of credit for when I need it but they up and canceled it with no notice for lack of use! Looks bad on credit report!! A notice would have been appropriate but nothing!! Will never due Business with this bank again!

Merrick is the only credit card that actually reward you for on time payments! You don't have to ask for credit limit increases as long as you pay your bill on time every month! This is the model all credit cards should follow! Thank you Merrick for being a cut above the rest!!!!

I love the account I have with Merrick. It's easy to pay the bill, set up notifications, etc. It even allows for a quick view. I wish they hadn't made it to where you have to log in from a computer to see statements. I opted out of paper statements and am on my phone more so than a computer. Thank you Merrick for the opportunity to rebuild my credit!!

Called the Customer service to update my phone and address. Rep 1 Updated my address. After several "security questions" refused to update my phone number on file. Sent my call to Katelyn in the security department. She began to ask me several "security questions". I obviously answered all questions and began to ask what was the issue with updating my telephone number. She stated she needed to be sure this wasn't a fraud call. After answering all my questions she refused to update my phone number. This Makes no sense what so ever. Worst card service I've ever experienced! Too bad I had to select a rating cause truthfully Zero Stars for Merrick Bank!

Fraud Dept. called to see if I charged items. At first I didn't know if I charged some items but by looking through Emails I did. But when I said I wasn't sure they canceled my card.. Very happy and impressed they called right away.

Since I been with Merrick, I had great customer service and nice increases. I never had a problem since I been with and hopefully it stays that way. I will recommend them to my friends if I had some. Great job Merrick.

I’ve had Merrick Bank for almost 2 years now and they have been nothing but super to deal with. Merrick bank gave me the opportunity for a credit card and I have now increased my credit line 2 times. Thank you Merrick bank.

I was informed about 14-15 months ago that Merrick Bank would be taking over my account from Nationwide. Set up for online payments, was told I would receive a card from them. Never did, pretty much forgot about it, didn't use the card much anyway when it was Nationwide. Get a letter today saying my account was canceled for non-use over the last 12 months and it won't be reopened. Maybe if they'd actually sent me a card...really stupid way to run a business.

I asked 2 years ago for a rate reduction. They said no so I paid off card then within 2 weeks of not using it for a year they closed my account without any notice of any kind, glad I didn't need to use that card after my account got closed.

I am thankful for getting approved for a MB credit card. Not only has it helped me rebuild my credit but I've earned several credit limit increases for making on time payments and keeping my account in good standing!

I've paid my bill on time and requested to have a reduction in interest rate. They denied it saying that for the life of the card I would not get an decrease in my interest rate. Well, that's good to know because I will pay them off and never use that card again!

This has been a excellent credit card to have. I have received 2 limit increases in less than 1 year. My limit is currently almost 3 times the amount of my initial limit. It's nice to see a company reward their customers for good spending habits.

I have never dealt with such a good company before. I had my first ever purchase dispute and they were so good to me the whole time until the issue was resolved. The app is very user friendly and they definitely award good payment history. I'd recommend Merrick Bank to anyone.

I have not used my Merrick card for any purchases that I can think of. I have had my Merrick credit card for 5 year and have always had excellent service. The employee with Merrick have always been courteous and attentive any issues I have had.

Beware! Systems and protocols are outdated. There are several system issues I have personally experienced with Merrick Bank credit card. The login system continually logged me out, making it that I had to call and reset my password monthly. Autopay system deleted my auto-pay set up when I made an extra payment. I asked for a letter to be faxed and did not receive the fax for over 7 days. Customer service reps are friendly and seem willing to help but could not resolve the issues.

If you're lucky enough to get approved well you got a great card with 360 use advance experience... allowing for growing your credit with them. Also, reward for good on time payments of your account... I found them to be excellent. Have a Merrick bank card. Thank you.

I'm unhappy with this credit card company. I've been with Merrick for years, and I've never been late. They have no benefits, they won't lower your interest rate and they don't increase your available balance unless you charge a bunch of stuff and carry a balance. You can't even request an increase. The one thing that made me write this review is because my TransUnion credit score for my card dropped 23 points for absolutely no reason. I have several credit cards and the TransUnion FICO score is the same on all cards except Merrick. My credit score is over 800 but Merrick only went up to 799 and the next month after I paid down my student loan and about $1000 on one credit card that has a balances they dropped my score to 776. I called to ask why my score dropped and what they were taking in to consideration to make it go down and of course they said they didn't know. They told me I should contact TransUnion, so I did.

I bought a credit building credit card to improve my credit score. The price for the card was a so called $75 set-up fee plus an annual charge of $48 for a total of $123. The credit limit was $500-$123 giving me an available credit of $377 when receiving my card. I activated my card and used $63. They added the $123 giving me a bill of $185 which there was a minimum amt due of $35 with a due date of 11/27/2019. Well I went online to pay my bill, they asked for bank info for set-up (routing number and account number.) I entered my routing number and account number but it would not take my account number so believing since it was tied to a check, I entered/added a check number to the end of account number and it accepted it. I made a payment of $302.97 on the 11/13/2019.

I have called before and ask about a decrease in my interest rate. Normally I do not pay attention to things and did not realize the extremely high interest. I ask her for a interest rate reduction or I will make sure this account is paid off faster and then cancel my account. I feel like I have paid you every month with no late payments and feel I deserve a cut in rates. I have not missed a payment on your account or any other account. Screw the score.

I cannot wait to transfer my balance and cancel this card. They are criminals with the interest rate they charge. They try to hostage you and rape you with the interest rate. Avoid them at all cost. I've had the card for years and have always paid on time. I have recently accumulated a balance and I asked for a lower interest rate. There was zero consideration.

Merrick Bank is outstanding. I’ve been a customer several years and just love them. I never have any problems and if I ever have any questions or concerns they address them immediately. I couldn’t be happier.

I started my credit with you and have never been disappointed. I even have 3 other credit cards even Discover. Even though the limit is $3500 they control what I can do when I want that's why usual balance is paid.

I would say it has been awesome for me. Customer service is great. The only thing I wish would change is the app for international. I wasn’t able to make my payment on vacation. But I had my son call for me and let them no the date and time I would be back in the United States. I was two days past my due date but it was no problem. I have never been late or miss a payment. To me that’s outstanding customer's service. Thank you Merrick Bank. Jeffrey

Following my divorce in 2012 my credit got shot through no real fault of my own. I decided to get the Merrick secured visa to start rebuilding my credit. I've now had the card for about 5-6 years and have always found customer service to be super friendly and helpful. The only real downside to this card was the limited line increases which only happened after about 2-3 years and were initially quite small. However, as my score has increased over time, these have become a bit larger and more frequent. If you're trying to rebuild your credit, and are willing to make payments on time in the future, and have the patience to do so, then I would definitely recommend this card.

My experience with Merrick Bank has been exceptional. Online access to my account is easy and quick. Communication from the bank is regular and good. I do not receive a bunch of junk mail or offers which do not interest me. I have received increases to my credit limit as my account history has changed. Nothing to complain about here! Thanks.

We'd actually never heard of this bank until we received an offer in the mail for their card. So glad we did it! It's been a real benefit to our finances AND to our credit score. Of course, we are careful to make our payments on time, and usually pay more than the minimum due. So far, they have increased our credit limit 3 times in the 2 or 3 years we've had the account. Great choice for rebuilding your credit. I would recommend this bank to anyone.

I received a letter that had detected that possible fraudulent activity had happened with my card. I spoke w/ a rep who informed me that someone had attempted to use my card for $800 in New York and that they had used my card 2 other times for pizzas for over $100. He asked a few questions and then informed me that my old card would be cancelled and replaced and all the charges would be removed. For me it was a major thing made simple and handled quite well.

In May of 2019, I was alerted by Merrick Bank that my credit card had been used in a fraudulent transaction. When I received the call, I was actually traveling to Lowe's in Delaware to use my card for purchases I needed. The representative informed me that an immediate cancel and re-issue was needed for my card; but she allowed me to use my card for the immediate purchases I needed, as long as I agreed to call in after I made my purchases and then Merrick would cancel and re-issue. Three months later I lost the re-issued card and had to call back in to perform another cancel and re-issue. In both of those situations, I was treated courteously and respectfully, and the new cards arrived in less than a week.

Being a loyal customer with Merick Bank all these years, you have never given me a break with my interest rate at all. I believe I should get my interest rate lowered. There has never been any other problems. That's why I only rate you with one star. Why are my interest rates still high?

So far, has been rather amicable and satisfying! Would like to know why my card credit amount keeps fluctuating at times, but other than that, it’s been a good relationship with Merrick! I would do it again!

I am so glad that I choose Merrick Bank card to help me build my credit. They gave me a real chance when no one else would and after faithfully making my payments as promised they gave me a credit increased as they promised. They have friendly customer service and their rates are not out of the roof. I also enjoy the app to manage my account. Thank you Merrick.

I have had nothing but a positive experience when dealing with Merrick Bank. I have been with them for over a year and called about questions several times. None of the question were about my bill. But about some of their policies and a few other issues. The answers were addressed promptly, clearly, and to the point. In my opinion, if I do not have to call, email, or contact Merrick Bank in any way they are conducting business in the most professionals and proper manner way possible. I am very satisfied with Merrick Bank. No one deserves a 5-star rating. No one is perfect.

I think this is one of the most fair credit card companies out there. You start with a decent credit line and you don't have to beg for credit increases. They are very attentive to your spending habits and you are then given a boost to your credit card accordingly.

My experience with Merrick Bank has been very positive. Customer service is excellent and they increase credit limit with positive history and score increases. The fees are relatively low for a card that was originally meant to help restore credit. Although my score has gone close to 800, I am keeping this card!

My experience with Merrick credit card (bank) has been exceptional. They took me on when my credit was poor. They have gradually increased my available credit. They have an excellent and easy to use online web portal....assuring I always know my balance and due dates. Great job they've done in helping me rebuild my credit. I now have several highly rated credit cards but I won't cancel Merrick, they were there for me. I continue to make them my primary card.

Just writing to say I had a pleasant, prompt, thorough experience with customer service representative Rita today, she was able to answer and assist me with my questions & concerns... in the future I know I can feel confident if I have any other concerns of which I may be calling... thank you.

Never really had an issue, the only time was my cards chip did not work, they actually sent me a new card within 48hrs. Definitely recommend them to anyone. I wish I could use it with Samsung pay, otherwise 5 stars.

In February 2019 I had received my credit card statement from Merrick bank. Upon review I had noticed a charge that I did not make. It was a charge for $578.99 via Walmart.com. I immediately contacted Merrick bank to open a dispute for this fraudulent charge. Talking with the representative on the phone I was told not to worry about this and this will be taken off my account. I was a bit taken back by this statement but thought what the heck they know more than I do even though when i had issues like this many years before with America express they had opened a dispute and sent me documentation on that dispute with full updates, in this case Merrick bank had not sent me one piece of document confirming an ongoing dispute or investigation. During this call I was told that in the coming days my account will be updated and I should see this charge disappear from my account.

I just want to let everyone know that I have always had great customer service whenever I had to call!! I am so glad that they speak English...and oh so very pleasant.. Thank you Merrick!! I was also told they keep raising your credit limit!!

High interest rates. No late payments in 2 years. My interest over last few months was in the 40’s.. 41%, 44%, 43%???? That’s double what I pay on my other cards. I closed the account to just pay off amount owed in payments and the customer service told me that even with a closed account that I would have to STILL pay a monthly fee and an annual fee!?!? I have never heard of that before!! I feel like it’s robbery... and do not recommend them.

I have no complaints about my Merrick Bank Card, or any experience with the company. It has been carefree since the day I received my card. The website is easy to maneuver when making payments. Thanks for great service, keep it up.

Merrick gave me a credit card when nobody else would. They promised to double my credit limit after five months. Merrick originally issued me a credit limit of $500, five months later I received my increase as promised making my new credit limit $1000. A few months later another $200...Well a few months later another. I called Merrick to see if they give more then $200 of credit increase. The gentleman said no. $200 is the norm. Regardless, thank you Merrick for giving me a chance to build my credit back, from when I was young and stupid.

Pre-approved came in mail. Low amount of credit to begin, then goes up after you make your payments on time. Their online service is excellent and easy to use. I can see my charges the next day and can pay them then, too! Have had absolutely no problems with them! Love Merrick!

I have had my card for years and I am very happy. I would like to see the monthly fee go away, but otherwise a good card. And one thing that I am very impressed with is they judge me on my reputation with their bank and have gotten frequent credit increases. I appreciate that.

I could see if I was late then I would not mind paying for past due or late payment but that probably hurt my credit scores just because I made an early payment. I got upset and hung up and I didn’t know you couldn’t make an Early Payment.

As a satisfied customer of yours for many years, my only complaint is the high interest rate that you continue to charge me. It never goes down despite the generous payments I make every month that exceed the minimum amount. I think you need to take a better look at me, and what you charge me going forward. I feel I deserve more in return for my business with you. Thank you. Sincerely, Robert

I would recommend Merrick to anyone. While rebuilding my credit I have found that their website was very easy to use and very professional. Any interaction with their staff was always cordial and professional.

I have excellent credit and numerous cards with high limits- Merrick Bank is my only card with a very low limit which prevents me from using or even thinking about. When I travel I don't want to feel like a low level.

this card is great, no hassle. They give you a certain amount of credit when approved and after making 7 payments they raise your limit. I have no problem with my card and love it. I would recommend this card to my friends.

On August 28, 2019, I received email remaining me of my past due to payment. I make a payment on July 26, 2019, for August payment. My online account stated that I wasn't due until September 21, 2019. So, I call customer service and explain to the rep. Quincy ** that I wasn't late and didn't want to reflect on my credit report. Mr. ** researched the account and got his supervisor to remove the negative remark and credit me the late fee. This is the first time that I have had any disagreement with Merrick Bank. I hope this problem is taken care of, and it will not affect my credit. Thanks.

Have never had a bad experience when talking to the customer service always polite and helpful. Love the low rates and the option for little people like me to have a credit card and pay a low monthly fee. I am very happy with all the experiences I have made since having and using the card. Thank you.

Awesome customer service! I’ve never had any issues or concerns. Proud to be a customer! Merrick Bank I’m a fan! I would recommend them to anyone. They have been more than fair with me and have given me a fair shake.

Disputed a tip that was added to my purchase because I did not leave a tip. I told the gentleman that over the phone and said I did not have a copy and asked him to make the merchant show that I left one. I wrote on the slip 0.00 tip on purpose. It should be my responsibility to prove it. It should be the vendors.

I just wanted to check my balance on the morning of 8/21/19. After the automated system asked press 1 for your balance or 2 for another account, I pressed 1. Unfortunately, the system kept saying my selection was invalid. It happened over & over & over.

I have no issues with Merrick Bank. I NEVER recommend financial institutions to "friends nor family". I wish the Interest rate would be the same as I have in Belgium. There I have a 9.99pct p/a rate. Jean-Pierre

Coming from a pretty wrecked credit background after losing my job in 2013, I finally started to turn my credit around in 2017. Merrick gave me a $500 card with a guarantee of going to $1000 with 6 months of prompt payments. They did. Now I have $1800 and it feels good to have earned my way up to this level. So yeah, I love Merrick Bank. They reward you for being a good customer.

I love using Merrick Bank. The ease of navigating on the website makes it a breeze! I can log on, make my payments anytime, day or night. I can view my most recent transactions in real time; as well as my balance and available credit. I recommend Merrick Bank credit card to anyone interested in a carefree protected credit card. Plus it helps build credit! Thank you Merrick Bank.

Merrick Bank offered me a credit card when I had a score in the mid-600's and was trying to rebuild my credit. The interest rate was reasonable and the ease of use of their website and mobile app was accommodating. I still have that card and use it for trips and special occasions. They have upped my spending limit several times both with and without my asking for an increase. I plan to continue using Merrick Bank indefinitely.

I like Merrick Bank. I have 3 credit cards and Merrick is the only one that consistently rewards me for timely payments and in 2 years has increased my credit limit from $500 to $2000. I have had other credit card offers but will not leave Merrick because of their loyalty to me. Thank you.

Merrick Bank has been fair and easy to work with as a credit card provider. This provider is geared toward accounts for people with less than stellar credit and the interest rates reflect this. They increase the credit line based on payment history and amounts - I pay much more than the minimum each month and they have increased my credit limit 3 or 4 times since I have had the account. The only drawback is that they have restrictions in place that may be detrimental to the average consumer - it takes a week to post payment and regain the amount on your credit line, but if you need it quicker they will do that - for a fee.

They have admirably honored their commitment to doubling my credit limit after 6 months, even giving me a little bit more after a few months after that and I am quite satisified with their company. I will continue to use it to improve my credit.

Since receiving my Merrick Bank card I have experienced great customer service and a credit card that's looking out for me - the consumer. I don't have the greatest credit yet since receiving this card my credit has continued to jump up!!!

I want to be able to order additional or replacement cards for my family members, and Merrick Bank doesn't allow this. Also, I want to be able to submit disputes online, and they don't do this either. Very disappointed in Merrick Bank, would NOT recommend them.

I have had a good experience with Merrick Bank Visa. Being accepted with a poor credit rating has been much appreciated. My Merrick Visa has been beneficial with elevating my credit rating. I recommend Merrick Bank to anyone needing a second chance at reestablishing their credit. Thank you Merrick Bank!

My experience with Merrick Bank, has been great, I've been very pleased with the service I've received them. I would definitely keep using them, and recommend them to anyone that asks me about them. Very happy customer.

After a short sale 10 years ago, my credit was messed up. Merrick Bank helped me establish great credit with my first credit card since that event. Yes, it took a secured credit card with Merrick Bank to help me go from low 500 credit score to 790 today. I have recommended to friends, the ease of working with Merrick Bank and the credit monitoring that comes monthly with access with their e-app.

Merrick Bank usually finds our card next day after payment. This time, it's been 5 days. My wife contacted them. Apparently they wanted us to upload a bank statement showing the payment was made from our bank, and that it cleared, and that we didn't overdraw to pay it? WTF is that about?!?! Thanks for ruining the one weekend a year my wife and I have off to take a trip. I cannot stand their customer service. We are still jumping through hoops to prove to them that we paid them. Definitely not OUR JOB to do. AVOID MERRICK.

I have other cards. This is my favorite one. When my family was going through a difficult time you gave me options to maintain my good standing. Once we were past it you assisted me by keeping my line of credit available and as time has passed continue to increase my limits. Thank you for your integrity.

This bank I great to deal with. I dont like being hounded by companies with other credit card offers, or reminders that you have a certain amount of available credit, so go buy something. They don't harass and they just let me use my card as I need with very little interference. Easy to deal with, as far as I can remember. I dont think I've ever had an issue where I needed to contact them. I would definitely recommend this credit card.

I am very satisfied with my association with Merrick Bank. The Customer Service are always helpful and know what they are doing. Credit Line Increases are always available without any problems and usually Merrick Back gives me one without me asking for it. I like that they show their appreciation for my making payments on time with this example of how they value my business and they seem to value a good relationship above everything else. Would recommend Merrick Bank to friends and family.

Like many others I received a letter in the mail stating I was pre-approved for a card. I did all the steps and applied, was approved and waited 7-10 days for my card. Well over 7-10 days went by and no card came. Within this time frame I was in the middle of moving but I had access to both mail boxes. The card didn't show up at either one. I went ahead and changed my address with the postal service and all my mail was being transferred to the new address so there still shouldn't have been a problem. I got mail from other businesses without a glitch. I called Merrick Bank customer service to find out what happened and was assured it was on the way and the holiday (July 4th) may have been the hold up (mind you the holiday was not in between the 7-10 days it was literally 4 days before the card was shipped) and that if I didn't get on the day that was stated (July 22nd) to call back and they would rush me a new one.

Horrible and horrible credit card. I pay my bill on time every month and I’m being charged more interest on the card every month. The balance is portrayed to be going down but the interest rate continues to go up. So if I’m paying on time every month mind you I’m not even using the card for months only $5 of a $35 payment is being applied. I can’t wait to pay off this card. Very horrible.

Merrick is wonderful. They gave me a credit card when not many would, explained what to do to earn higher limits, and did exactly what they said when I followed their instructions. My best credit card!!! Thank you Merrick Bank!!!

Constantly change statement dates to catch account holders off guard. Post payments to wrong month to add late fees. When contacted it is an outsourced contact reading a card who lies, says they will fix their mistake (over $100 over 3 months) but refuse to actually do anything, it is just to get you to hang up. No matter what the proof of the actual evidence is, they post payments to when they feel like it. Closing account and transferring to card with better reputation and where I don't need a translator and a lawyer to repair a mistake or multiple mistakes, clearly on their end.

Overall I'm very pleased with Merrick Bank. Their online site is fairly easy to use & I use it often. I've only had to call with a question once & that was about a decline when I went out of state for a week. It was promptly taken care of with the call. I now know how to handle it so doesn't happen again & I'm very satisfied with Merrick Bank.

Merrick Bank has been wonderful to work with over the past several years. The website is easy to navigate and the information provided is excellent! I would highly recommend them to anyone looking for a customer-friendly bank!

I received an offer to apply for this credit card and I did apply after reading carefully the reviews. Most of the customers did rate very well. So I was, "Why not? It seems like a good bank". However pay attention when you pay your credit card they place a hold of a week to have your money available. Today I'm traveling overseas and I reserved my hotel using this credit card but they place a hold of one week. I called to have them release my credit. They said they can’t. I have to confirm that they received the funds. So they asked me to send them my bank statement to show that the money was debited from my account which I did send it to them. And they saw it. They never took the hold from the account.

I have been a customer of Merrick Bank for almost 2 years. I have been given 2 credit line increases based on my on-time payment history. They have great customer service and very fair on the way they calculate the monthly interest timeline.

This card was offered to help me rebuild my credit. I have not had any issues. I continue to pay my bill on time. The only thing negative is the interest rate. I think it's great! When I call they answer all of my questions. I'm so glad I chose them.

By no means is it a bad card or top tier card. If you someone like me who had Bank of America cripple them. These guys open a decent credit limit card sure fees are dumb but thinking again we use out card and pay random fees all the time. Card doesn't allow requested limit upgrades but they do check and annual. But they been with me for 5 plus years without hidden fee.

I have always been happy with Merrick Credit Cards. Also, consistent Credit line increases are nice. My only wish is they would have a cash rewards card. This is one of the single Cards I have that does not give me rewards. So I must say more often I will reach for any of my reward cards to pay. However, it is still a great card to have in your wallet.

If you want a card that has great or even decent customer service, this is not the company!!!! Each time I had to call customer service, I was phone passed being told I needed to be switched to another department where I was hung up on. I called back, same thing, then I asked for a call back number before being switched again. They gave me one, that when I was hung up on again, I called and was hung up on. I also had 2 disputes. One was successful after several months of back and forth phone and mailing detailed information. Only to have several phone calls about the detailed information I sent and they didn't read. Failed second dispute after same runaround for months. The business was closed and they kept wanting me to contact the closed business. Even after I sent reviews showing when and why the business closed. I would not recommend Merrick!!!!

This is a card for people that don't have a choice due to bad credit. I may have even started out having to put a deposit down to rebuild. The customer service is terrible and the website looks like it is held together by band aids. People who get this credit card don't have a choice. Unfortunately, even though I have rebuilt my credit and have a couple good cards (Citi, AAdvantage and Discover), I can't close this account and still have to pay $6/month fee just because I need the history on my credit report and to show the account as open still.

Merrick deals with people that have credit issues. I got a card after a BK and didn’t spend anything on it except for 1 month (2 months ago). Paid $100 on the $250 balance. Tried the online APP--could not figure it out. Owed them $150 and never heard from them again - except offers for new credit cards. Today I got notice that I was reported to the bureau for a 30 day. I obviously called them - apparently they don’t do email, phone calls, texts, or app notifications- only snail mail that they sent out over a month ago to let me know that I owe them my balance plus $100 for fees. No calls to let me know I owed them anything, what? Good thing for their model is to keep you a ** credit customer so they can keep you at 29.99 or whatever. This company is a POS vampire. Closed my account - paid the balance. Losers.

I have been with the card company for over five years. I use it as a backup to my normal cards. I charge on it a few dollars every month to keep it live. I have never been late, but each time I use the account the purchase is called into question. I was at the store charging $12 and they denied as fraud. A few days later, after calling them, I tried again and they approved then turned off card for potential fraud. This month I was leaving the country and they had my account locked down, so I called my payment in, now they can't find it even though I have an approval number. I paid in full but I am done with this bank. They are the worse. I called in and all the Tatyana could say was they have no record.

I had this credit card for two years. My credit is in good standing. I was employed for many years and for the past year I made every payment on time. I often paid more than the minimum and yet I never received a single increase offer. I then called the card and complained about never receiving an increase so I discussed closing the account. I was told that the yearly fees would be taken away if I closed the account. I made certain that this was correct and the customer service person was certain, so I closed the account. Today July 4 I was told that the first customer service person lied to me and that the yearly fees never go away until the balance is zero, I knew that I would not have closed the account. Be careful. Merrick Bank does not lie to you.

Got a letter in the mail saying I was pre-approved. Nice offer; but when I applied I was declined. I have never missed a CC payment nor a car payment. Why send me the offer? To get my info?? Dont assume these people will treat you right... They won't.

This credit card service really do put customer's help and assistance as product one. Even though most services are computerized the access is very easy and seem to be very accurate. Phone payments are promptly posted. I would recommend this company card to all of my friends and family. Thank You.

I just want to take a few minutes to express my overall satisfaction regarding being a Merrick Credit Card holder. I needed to rebuild my credit and establish a positive payment history in order to buy a new home. Having this card has given me the ability to do just that. The interest rate is a little high but the trade off was getting a second chance which is what Merrick provided me with.

Merrick Bank Visa is a typical Visa card. Nothing special about this card. No cash back bonuses and the interest rate is a typical high rate credit card. The card also charges an annual fee rather than being free.

I've enjoyed being a Merrick Bank customer until I paid the full balance off and took the card out of my wallet with the intentions of using it for gas or emergency purposes. Now, I get interest charges for $0.00 balances. I'm not happy with that at all. How can there be an interest charge for a balance of $0.00?! I may just cut up the card and close the account if I have to pay for just having an open account...

By using the app to make online payments, I am able to avoid the unpleasant and unhelpful customer service reps. I have never had a good experience with Merrick Bank reps. Of the 3 credit cards I use, Merrick is by far the lowest credit limit, offers no rewards that I am aware of, and offers the lowest cash advance.

Merrick has always treated me fair and with respect. Also they have helped me with my credit. Thank you for your service and time in regards to my account. I would highly recommend Merrick Bank to anyone who is looking to get ahead financially.

I am thrilled with the Bank, the Credit Card and the service from the representative I spoke to in early May. I like the look of the credit card. I recommend the Bank to my friends. Keep up the good work.

Of all the many credit card companies I have worked with over the years, Merrick Bank is definitely the best. They have been fair and accurate from the start in the presentation of their offerings. Their phone system is superb for those of us who still prefer this to online tracking. I give them an A+ in all their communications with customers. Thank you, Merrick Bank!!

Bunch of PIMPS! Watch because they will not give you payment alerts. Had some info compromised, called to check. Payment 1 day late, 35$ and "WE CAN TAKE PAYMENT FOR 10 EXTRA DOLLARS." NEVER missed 1 payment. My fault, my responsibility. Just like getting this card paying off, cutting up.

Application was easy. Received the card in a timely manner. Credit line doubled after 6 payments as advertised!! Received another CLI a few months after that. I love the card because of the higher limits! Website is easy to navigate. Payments always post on time.

They have always been fair, friendly, professional and honest, I use my card often, pay my bill on time or mostly early and would recommend Merrick Bank to everyone needing a great credit building card.

When I had fraud on my account (across all of my bank accounts from a case of identity theft), the account rep and security department all but point-blank accused me of lying and neglected to take my account seriously, causing a severe delay of rectifying my situation. Given this mistrust, I will be closing my account as soon as my card is paid off.

Merrick Bank has been good so far! This is my first credit card, and the experience is going well. The app is really helpful for keeping track of everything and making payments. My only complaint is how long it takes to process everything, but I can't really fault the bank for me being impatient.

I have been a good customer, and I never received my double my credit limit. I called to speak to a representative, and she said that there is nothing she could do about that. She never offered any solution.

OMG. I keep a ZERO balance on this card. Decided to use it to purchase a plane ticket. Card was declined!! Went online and saw a past due payment of $4.00!!! WTH! Allen and they said "That's correct ". Asked why don't they take the annual fee out yearly. Response: "We can't do that". Once again. Wth!!!

Bad Customer Service for RV Loan Department. I called Merrick Bank to let them know that I sent a check out for payment. The guy on the phone was rude and not very cooperative. I asked him to notate my account and told him how much I sent. He got mad that I sent total payment to the payment address and pretty much was a jerk about me sending it. I would not recommend this company. This was the only company that the dealership used in which I did not know who it was.

I have had nothing but good experiences with Merrick Bank. They helped me re-establish my credit after a divorce. Their website is easy to use. The phone payment service is very up to date and convenient. I would recommend them to anyone.

Absolutely, unequivocally the worst experience with any company I've ever had. I tried to make several payments over the course of a month and they continued to get declined which did not make sense to me as I knew the money was in my account. After several calls, they figured out and admitted that there was an error made by their app that made my bank account show as all zeros. Even after we found out what the issue was and that it was an error on there, they still refused to fix the negative reporting to my credit. On top of that, I spoke to 5 different people and finally someone told me that they would remove a late fee charge AND a NSF charge due to the error on the app. I told her I wanted to speak to someone about getting the negative reporting off my credit. To which she said "My shift is over and I can't wait for a supervisor so I'll transfer you to an answering service." (Now the THIRD time I had been transferred to management answering service).

I was initially interested in the credit line doubling after 6 months... which did happen on time. After, they have treated me well with another incremental line bump (without asking) and no hassle payment system. The website has gotten MUCH better over time as well.

I’ve been with Merrick Bank for over 15 years. They were one of the first credit cards that I qualified for after my bankruptcy with no annual fee. Their rate still remains one of the lowest that I have to this day.

I registered for online banking so I can check on line my balance, my due date for payment, my available credit etc.. so at first I was able to see my bank statement and was able to pay online without delay.. then all of a sudden I can’t access my account online no matter how I tried so it is difficult for me to pay or transfer money online.

I was offered and accepted a Merrick Visa card. I used the card and ended up with a balance that I took time to pay off. After paying off the credit card I went to use it again a year and 5 days later. The card would not work, so I called customer service and got a call center. The call center employee told me that the bank cancelled the card due to the fact that I had not used it in a year. However their website says the account is open and I have an available credit limit. I asked to speak to someone at the bank and they told me that the bank does not talk to anyone and that I had to write them a letter. There was no warning that if I did not use the account within a 365 day period that it would be cancelled. This is something I have never heard of before. Couple that with the fact that you cannot speak to anyone that actually works at the bank and I would give them less than 1 star.

I’ve been with them for almost a year now and I absolutely love them. I’ve had no issues whatsoever with this credit card company. I’m hoping to keep building a relationship with them and for my credit limit to continue going up. Everything from the startup to now was laid out plainly for me. I’m not understanding all the people saying they misread or misunderstood before they signed up. It’s kind of rude to leave a negative review because you read incorrectly. The app is great, payments are easy. They are very generous with their credit line and credit increases. Don’t see where you could go wrong unless you're not a responsible person.

This bank was the only bank that would issue me a credit card after having bad credit a few years back. Things change in people's lives and since my bad credit I have done much better thanks to Merrick Bank. There are no fees which I love. Would like my APR reduced however I can't have everything.

Merrick Bank has been wonderful! They are helpful in building/rebuilding credit and are fairly lenient. They reward good habits and don’t overly punish mistakes in the hopes that they won’t add more stress or debt to your life! I highly recommend!

I am new to having a credit card I believe the Merrick app is easy to use. Everything is all there. You can use it to view statement and pay your bill. It’s nice to be able to monitor all your activities and when your bill is due all on the same app.

My experience with Merrick has been excellent. I feel informed, and feel more " in charge" of our financial well- being. Merrick also gives us the most current information on our account 24 hours a day.

I applied to them after they sent me a pre-approval letter to my previous address. I updated my address and submitted the application. I never heard back from them. I just called them today because my credit was hit from them but I never received a response. I talked to a very rude rep from the credit department named Julio who admitted that they sent a request for more information to the wrong address - neither the old one or the new one. He said the offer has expired. I told him I certainly would not want to have given my authorization to pull my credit for an offer they sent me and not even be considered because they sent a request for more information to the wrong address, so I'd like to provide the information.

I have an account with Merrick. I am Very Very pleased with the use of this card and the online ability to view my account, make changes and make payments. I am also set up for account alerts, which gives me peace of mind.

I have been trying to reach a rep at Merrick Bank via phone for several days now and cannot get through. I am on hold for an extremely, exaggerated period of time. I’m on hold for 3 hours and then this company disconnects the calls. This is very unprofessional. I have to call back, and then again on hold for another 3 hours, then the call is disconnected. It doesn’t matter what time of the day, early morning or late morning, this happens every time. It is a waste of time and the whole day is wasted. This issue should be fixed. This issue has been going on for several years with no resolution. This is preventing our clients’ accounts in receiving resolution. So after trying to reach them for several days, they finally picked up. I called Merrick bank at 9:02 am and someone finally picked up at 11:50 am (that is ridiculous). In the middle of discussing the account, they disconnected the call at 11:59 pm. REALLY! This company is the worst.

Merrick Bank issued me a credit card with a $2000 credit line, no other banking coops would extend me a credit line of $500, very grateful. I believe Merrick uses their own judgement on credit issue not third parties info. Thanks.

I got a credit card with Merrick Bank to help improve my credit rating. They started me at a low credit limit and as they seen I was on time they increased the limit. This has helped me increase my credit score. For any one truly needed to start over and pay on time this is the bank. Merrick Bank credit card has changed my life and giving me a second chance... because in life we all need it. Thank you Merrick Bank.

I froze my account since January 2019. It’s on automatic payment but unfortunately their apps was not reliable and can not be trusted. Since then I received notice that I was not able to pay on due date so I have to call, and arrange for automatic payment so I will be worry free,, they sound nice but can not be trusted 'cause I have to call every month and paid interest 'cause my automatic is not “on” as they said. It was awful and frustrating! So I don't recommend this company even they give a big line of credit.

APR% is a little on the high side. Would like it to be lower. No rewards with card like points for spending. Such as airfare, restaurants, or hotels. Customer service is helpful due to slow snail mail.

I have been a member and card holder for more than 2 years now. Merrick has always been fair with my account, and has given me annual credit increases even without me inquiring about them. Thank you Merrick Bank.

I don't have any problem with the bank service. Rates and fees are too high. Would really like a break on those two issues. The annual fee is outrageous. Combine that with the interest rate they're just a shade off of loan-sharking.

I have been totally satisfied with the online service that I have received since becoming a customer. The monthly account layout and spending breakdown are made so simplified that a baby could understand!

I have been a customer for quite sometime. I've always been a good customer as far as following the rules. They never send out credit card offers for my husband David ** whose score is very high. And they never offer me a lower apr card!

I don't contact the bank that often, but anytime that I have they have been very courteous and professional. I lost my wallet a few months ago and they blocked my account before I realized that my wallet was missing.

Merrick bank has always been very professional and personable with me. They were willing to work with me to keep my account open during a difficult time, and also willing to reward me for fiscal responsibility. I’ve been happy so far!