Merrick Bank Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.