Merrick Bank Reviews

Merrick Bank makes it easy to check balances and their mobile app is the best for making payments, have nothing but pleasant experience with this company. The option of credit line increases every six months is really appreciated. Rather you accept the increase or not it a nice option to have.

I have had Merrick Bank for 2 years. I always paid on time. I sometimes paid my balance off. They gave me a small credit increase. I feel that was a slap in the face. I feel I should have gotten at least 1,000 increase. Dissatisfied Customer.

I would most definitely recommend Merrick Bank credit card. This credit card company gives people a chance to not only have a credit card with a decent amount to start off with but if your payment is on time. You have a good chance of getting raise in your credit limit. If it had 6 stars, I would. Thanks. Satisfied customer.

Overall the experience is alright, the new updates have made the bank more easy to use. However I don't like the practice of having to wait an entire week after payment has left my bank account for the available credit to be applied to my account for use. The payment system is still very dinosaur compared to Capital One that allows debit card payments that charge instantly and fully process within 2 days. This is the biggest reason why in the future Merrick will be paid off and left in the shoe box. It just takes too much time and hassle to try to pay you guys, as money does not just sit in my account for days on end.

I like that they gave me a chance with their credit card as I was trying to rebuild my credit. I have had increases in spending and have never missed a payment in three years. The downside is that even though I feel that I have somewhat gained trustworthiness that they will not lower my apr which is quite high.

Merrick bank offers an excellent way to take an active part in improving your credit scores. Their terms are fair and they are not one of these promo acct. rip-offs that are set up to fail. Merrick Bank really has individuals in mind and work hard to help their customers become better prepared to meet today's obligations.

I have been with Merrick bank a little while now. They actually have a real person that is available to talk to if you feel the need when you call for anything. Sure it's nice to have automated system but it's better they have people available to assist. Also never had an issue with use of card or any other issue. I like it here and will be here for a while.

I opened an account with this bank. I had the account for about three months. I would send my payment in at least 1 week prior to the due date. Each month they tried to charge me late fees saying that my payments were late. When I asked them what the postage date stamp said they told me they don't keep that. I closed my account.

My experience with Merrick Bank has been a blessing. It's given me a chance to uphold/reestablish my credit status at the same time and to prove that l can pay my bill on time every time, and with a increase off and on.

I have never had an a bad experience within Merrick. Never. As a matter of fact every time they see me hitting my limit they have always been kind enough to raise it. Thank you very much Merrick, I don’t think we have ever been late with a payment. Love them.

There were unauthorized charges on my account last spring. The incident was reported to the fraud department and requested that authorized user be removed just in case there was a compromise. Charges still went thru after I changed passwords and cancelled card. Merrick held me responsible for some of the charges after proving it was fraud. Very disappointed and will pay off balance and not use the card.

Never had a problem with Merrick Bank. In fact of all the credit cards I have I would rate Merrick bank as the best. The Merrick bank app is very easy to use for scheduling payments and has useful features such as due date reminders and high balance notifications. For anyone looking to rebuild or establish credit I strongly recommend Merrick Bank.

Made my first payment and upon making the payment was told funds would be available the next business day. Funds processed through my bank and cleared on Monday the 17th. Decided to use this card to go on vacation and it declined on my first attempt to buy gas on Saturday the 22nd around noon. I called customer service and asked what was going on and he said he would ask his supervisor but would not let me speak to the supervisor about the issue and that I needed to call back in 2 hours.

Updated on 01/16/2019: I closed the credit card account with a 0 balance. On 1/16/2019 there was a 20.00 balance because of a "returned check". There should not have been activity. Complaint has been filed with the Better Business Bureau. This is the second occurrence of this issue.

I have had a Visa credit card with Merrick Bank for several years. I would use it occasionally as a backup. I always paid on time and never had a problem until now. I went to their website online and found that my account had been closed. I called to ask why and was told it was because of no activity in 6 months and it could not be reversed. I am very unhappy about this because they never notified me of what they did. I'm glad I wasn't depending on this card. I will not do business with Merrick Bank again.

I called them to see about waiving the $4 a month annual fee and that I wasn't interest in paying them to use their card. They told me that there wasn't anything they could do. They are liars because every other card company can do something about except them. It was easy for them to lose my business over $4 a month, they didn't care. I would not get this care. Find someone else like Capital One or something.

I got a pre-approval today. Applied, got denied. Seems ridiculous I am pre-approved to just get denied. This is the 2nd time in two months they sent me a pre-approval. My credit hasn't changed for them to deny me. They need to stop sending me these stupid pre-approvals. All other cards I have gotten pre-approvals for have accepted and sent me cards, but this one is a joke!

Merrick Bank loves to send pre-approved credit card applications, then reject the applicant. Merrick Bank needs to get itself together. This bank is one of the worst in the USA for many reasons because it DOES NOT care about the consumer.

I just received in today's mail an offer for a "doubling of a limit" if I paid my account on time. It was an offer based on a pre-screen. I have had a wonderful experience with Capital One so I thought I would expand my options and apply for an additional card. I read many of the one-star ratings in addition to the 5-star ratings. I reviewed the company's website and bank ratings and determined that I should apply. Well, you guessed it. An immediate decline. I will get the information as to why in the mail next week. The pre-screen seems like a sham. So, beware.

Thought I was good using this bank to help build up my credit. Well, found I was dead wrong!! I used my available credit. I mean most of it. Like a responsible person was never late. Yes, I spent too much. Thinking it was a good thing. I paid it off. Stuck the card in a drawer so I wouldn't be tempted to go crazy again. Because I knew I had paid it off even left an average on the account. I hadn't checked on it. Well in the months I hadn't used it apparently I was incurring fees. Not a lot. Just $4 a month. As I said never late. Paid off. Didn't know there were still fees. Well now 90 days in Seriously Delinquent hits my credit report. I'm at a loss. I've been on top of my bills, most are paid off, not sure where this is coming from. Pull my report. Sure enough it's Merrick. They reported it seriously delinquent for $23, not only that they closed the account.

My experience with Merrick has been, unequivocally, outstanding in every regard. They are generous with clients who have, in their own words, maintained their account in an excellent manner! I appreciate their candor and the manner in which they treat their clients.

No complaints. My experience with Merrick has been positive. I make payments by due date, usually more than minimum and have been rewarded with 2 increases in credit line. Merrick has been a good vehicle for repairing my damaged credit. I will continue to use their card.

I responded to their mailer, and found that there was no annual fee, and they would reward my on time payments with a credit increase. Yes, the interest rate is higher than most, but at a time when I needed to start rebuilding my credit, they sent me a card.

High interest rate rip off. Merrick doesn't look at timely payments for an interest reduction. Pretty sad since some people only have to choose a high int card as a temporary means because of fraud that turned into bankruptcy.

I really enjoy the new look of Merrick Bank online. It’s easy to use and shows all of my relevant information upfront. The payments are quick and easy to make as well. Overall, a great card and a great user experience.

Having the Merrick card has been excellent for us. As promised after 7 months they doubled our credit line. Since then in a total of 14 months we have had 2 more credit line increases, almost tripling our original credit line. Payments are posted same day as long as the payment is made before the close of business. Our statements are available online within a day or 2 of the close of month. The app is very easy to maneuver through.

After 5 years of being an EXCELLENT CUSTOMER, NEVER a late fee, usually paid entire monthly balance and bringing my FICO from 500 to 707, Merrick Bank will NOT are negotiate the TERMS. I called today, 11/26/18, to ask to remove the monthly $4 fee and was told “NO, we NEVER are negotiate our terms”. So basically Merrick Bank has ZERO appreciation for GREAT CUSTOMERS! Don’t be sucked in by this bank. They’ll do NOTHING to help you once you’ve re-established your credit. Try something, ANYTHING else. An UnAppreciated LOYAL Merrick Customer.

I received a pre approve letter in the mail. Thought about it for a while, did some research. Since I had just purchased a car, I figured I could use another line of credit to try and boost my credit score. Applied and was decline. Question: Why send a preapproved letter and then declined it? SMDH!!!

I was sent a piece of mail saying I could rebuild my credit with their credit card and was pre-approved. I went online and filled out their application with the approval number and was then denied. Don't send me mail stating one thing for people trying to rebuild credit to just ding their credit and deny them. I feel the mail they send out is simply a scam. I mean why else would someone agree to their extremely high rates other than to rebuild credit. I will be letting everyone know about their shenanigans before applying.

I contacted Customer Service to tell them the webpage is not working, neither in Internet Explorer nor in Google Chrome Explorer. I contacted them 3 weeks ago with no results. The error I get is: A communication error occurred: "". The Web Server may be down, too busy, or experiencing other problems preventing it from responding to requests. You may wish to try again at a later time. Tech support information: tcp_error more. For assistance, contact your network support team." Until today November the 15th, 2018 no response has or solution has been given.

I am not a fan, Merrick. You got my information because my student loan was handed over to you and you have the audacity to mail me a terrible, scammy credit card with all sorts of self important wording on the envelope. I am already tens of thousands of dollars in debt to you, and you still want to extract more money from me. And on top of that, you don't even have the decency to set up a customer service email address. I do not have a phone because I am tens of thousands of dollars in debt to you, so instead I need to post on this website to complain. Not a fan Merrick, not a fan.

These idiots don’t even know who they are loaning money to. Everyone should borrow money from them and not pay it back because they will bill somebody else. I know, they have turned me over to a collection agency and I never heard of them before.

My experience with Merrick has been extremely positive. Their online payment system makes it super easy to pay my credit card and most important they are not intrusive like many other card services can be. Their customer service is helpful and they don’t outsource their care.

Not a bad card at all. Just make sure you make your payments on time and everything is ok. They always give you a credit increase after few months long as payments are on time... Definitely helped me raise my credit and gave me a chance at a credit card when no other card would approve me.

I have had a Merrick Bank credit card for over two years now. It started with a $700 credit limit when I first got it and I have had regular increases in my limits to now be up to $1900. The card is great. I can check my balances and make payments online and set up regular recurring payments so that I never get charged a late fee. I originally got the card when I had not so great credit. Since then not only have I had the regular credit increases, I’ve qualified to buy a house, and continued to use my card wisely.

I think it's a good card so far except for the activation fees are ridiculous but I think it would be hopefully a good card. It's been good to me so far and I think giving people 500 credit men taking part of that but these you should give him a little more credit.

I love my Merrick credit card. I have no complaints. I pay everything on time. And I have had zero issues with my card. Merrick raises my credit every few months because I always pay on time and I Love that! Thank you Merrick.

I have been a satisfied Merrick card holder since 2014. I have had nothing but positive experiences with the service I have received. Whenever I have a problem Customer service is always very courteous and helpful. They listen to my issue and are very helpful and committed to getting it resolved. I get fraud alerts whenever they suspect suspicious activity which gives me peace of mind. They also give periodic credit line increases which is also great. I would definitely recommend Merrick to anyone looking to open a credit card account.

For years I used cash only and had no credit. I was fortunate to find Merrick Bank almost a decade ago. They have consistently served my needs while building my credit. I would highly recommend them to anyone.

Merrick Bank extended credit to me during a time of need, I have been faithful in making payments toward my account, as a result I have been extended credit beyond the original allowance two additional times, this showed me that they have confidence in helping me to receive earned benefits. I am thankful for the way in which they are doing business.

Merrick Bank was extremely instrumental in helping me to rebuild my credit following a divorce. With timely payments, often in excess of the minimum due, my credit line was consistently increased. They did NOT charge outrageous annual fees which I found was a condition of many other credit cards I received. I have always found their representatives to be friendly and helpful. My credit score steadily increased and I found it very convenient to be able to monitor my Transunion score right on the website. Overall my experience has been very positive. Rebuilding credit is a process that requires responsible account management and patience.

So I had this card, got divorced and couldn't pay my credit card bills. Instead of filing bankruptcy I did credit counseling and paid them off thru them. Well that was over 8 years ago and recently I applied for a loan and got turned down because one of my accounts (Merrick is only 1 left on there) reported my account in debt consolidation. I have asked Experian to remove this account for the second time now and if it doesn't get removed next step will be Better Business Bureau. This is ridiculous. I paid my debt to them and they're going to flag my credit forever. Don't trust them. They charge to much interest anyway. I have excellent credit now however this is not the end until this gets resolved.

I've had a Merrick credit card for only 1 year. I had only used it in the beginning and paid it off right away. They did double my credit line in 5 months. So that was great. I have several other credit and try to keep my balances low. I use them only when I need them. I just received a very short letter stating that they are closing my card due to inactivity. I thought I was only able to close the account unless it was in default, which is not the case. I am very confused.

I refinanced my home to pay off my credit cards, which Merrick was one. All the other cards posted within 7 days. When I called Merrick I was told it takes 7 to 10 days to post. On day 10 I was told it takes 10 to 14 days. They charge interest daily and really milk you out for every penny they can.

This is not a good company. I received a application in the mail from Merrick Bank saying I was pre-approved for a credit card. They had already seen my credit and made decision to send me an application. I was not approved online. I thought this was STUPID because who sends a pre-approved application and not approve the person with the certificate pre-approved information. Does not make any sense to me. I called customer service and she didn't know anything. She gave me the address Merrick bank credit card or call back on Monday. She sounded like she was a new customer service rep.

I was a Merrick Bank customer for several years. NEVER late on a payment, NEVER missed a payment, NEVER failed to pay at least the minimum amount due, and 99% of the time paid more than the minimum, usually rounding it up to the next hundred. Never had any issues. I paid my account off in full last September 2017, and due to having received a Discover IT card, hadn't been using the Merrick Card.

Merrick Bank was one of my first cards I applied for after my divorce. At the time, I had little to no credit. I was approved and worked diligently towards building my credit. They were the first creditor to increase my limits. They are easy to work with and have friendly and helpful staff. I look forward to remaining a loyal customer for years to come.

What I like about this company was the representative that answered the call. Very polite and helpful. I don’t wait for long to get someone to talk to me. Few questions from the computer and I am talking to real person. We don’t have Merrick Bank in my area. I wish we do.

I have many credit cards and honestly think this one is my favorite. The interest rate is a little higher, but the way they have it set up makes paying and viewing your bill simple. I can pay my bill the day after a charge and do not have to wait for 30 days or until processing. I prefer to keep my card low, but show activity so paying it within a few days of use is what I like. Many other cards do not allow you to pay days after a charge or you are unable to make multiple payments per month. Merrick Bank is easy to work with and fair. I’ve received multiple credit line increases and am notified by a simple email and have electronic bills. Perfect card for beginners, too.

I have had a Merrick Credit card for about 2 years and there's no way to request a credit line increase. No late payments and have always paid hundreds more than minimum due. I have $90,000 in a line of credit account and can only spend it with checks or my credit cards. I love my Merrick card but they are missing out on large profits as I am forced to use my other cards. I will provide a copy of my bank statement if it will get me a credit line increase. I am forced to apply for other cards to meet my credit needs as I am remodeling my home.

We needed a card to re-establish credit with, and Merrick was perfect. They provided credit score info, were easy to work with in terms of online payments, and increased our credit over time. Have recommended to others.

I would recommend Merrick Bank. I love that you are able to make payments online in many different ways, not just with a checking account. Your limits will increase when you pay on time with no charge.

After our bankruptcy, we were so concerned about obtaining credit again. Merrick took a chance on us and we have been perfect with our payment history. They even increased our limit three times! Thank you Merrick for giving us the chance to prove ourselves worthy.

So far I am extremely pleased with all dealings with Merrick Bank! While I do have cards with other banks, this has become my favorite to use, as customer service is excellent, and they have been appreciative of my business!

I have had only good results with you. Only one problem, I have recently had changes in my insurance... now $650 a month deductible. I had surgery in May with follow up visits. Prior to this, ALL medical was covered. Because I receive $20 more a month on SSDI, I now have $650 mo deductible. This has caused many problems... Aug 14th I lost sight in my left eye... and have now gone to 4 eye doctors in an attempt to find the problem. Now I understand that is not your problem. But just wanted to explain, I am short on cash. I had set up auto payment, but had to cancel because I didnt have the funds. I called to see if I could set up auto pmt for 10-4-18 for $100 to avoid a late payment penalty, but was told they dont do that. So... my payment is late and I HATE that. I have not missed a payment so that might be something to consider...

While the interest rates can be cringe-worthy after the 1st year, Merrick is not a bad way to rebuild from a devastating financial disaster. I would recommend once you have rebuilt yourself to find better and cheaper alternatives.

I have had my problems with paying the bill online at times because I've had trouble getting in the bank site, so I can pay my bill. Since I'm pretty bad on a computer anyway, I get really disgusted with myself for not knowing how or what to do. I give up and that cost me money cause it makes me late on my payment. I think the bank thinks I don't pay my bill on time because I don't want to. 99.9% is what I wrote above that. 1% happens but it isn't normal, but anyway lately I seem to be getting in a little easier. Now that I said next time I go to pay it, it will probably be a pain in the neck again.

I made a payment twice on my account. The payment shows in your record as pending from the same account I have used in the past. Yes was I able to charge on my card. I asked that the hold be removed, but your rep refused. I was unable to use my card for a transaction of $20 even though I had a balance of over $500 on my account. I asked for a supervisor but the rep told me none was available.

I was offered a Merrick Bank Visa shortly after we had completed a chapter 13 bankruptcy. A relatively small credit line with promise to double it in 7 months if I was responsible. It had been 4+ years since we had credit, and they offered a card with no annual fee and a grace period. That made me feel like I was worthy again for credit! I accepted, and in the 3 yrs we have had the card, our credit rating has increased as has our credit limit. I have only paid interest twice, as I pay the balance off each month. Always early or on time. Thanks Merrick Bank for the "2nd chance". We have learned from our financial struggles from 2007 to 2014 how to use credit responsibly!

Satisfied, except for monthly fees. I have been a customer for years and I think Merrick bank should consider removing these charges based on experience with customers. I always pay on time and never go over the limit.

I had two fraud charges post to my account. When I noticed the charges on my August 2018 statement, I called to report the fraud. I was told the charges would be investigated, no payment would be required on the disputed charges, the charges would "suspended" pending the investigation, and a new card would be issued. Several weeks later I received my new card. My September 2018 statement cycled and the charges were still showing in the balance with a minimum payments requirement. I called back to Merrick Bank today to inquire why. The rep told me I was still responsible for the charges until such time as the investigation was completed. What a joke. The "rude service reps" are an even further stain on this company.

I just got off the phone with a Merrick Bank credit card services representative and a supervisor and I am livid. Over the last 2 days, Citibank, Chase and Capital One all have taken my request to lower my APR and raise my credit line. Merrick Bank will do neither as they do not allow customers to ask for an increase and they will never lower an existing APR according to the supervisor. I have had my card for three years with 100% on time payments. Since I am not appreciated at MERRICK BANK, I will no longer use my card and pay down 95% of its balance by year's end. I am extremely disappointed and will not recommend anyone doing business with MERRICK BANK and it 27% - 32% rates. Definitely sharing to my network and asking them to share as well.

I had a zero balance and hadn't used the card in over a year because I kept it for emergencies only. Well, they dropped my limit from $2200 to $300 without notice and then promptly sent me a letter stating that my account would be closed in 30 days for non-use and even if I used the card now nothing would change this. Very unprofessional company. If you have other options, you'd be wise to go elsewhere.

I'm very happy in my dealings with Merrick Bank. I am in the process of rebuilding my credit & they took a chance on me. What they said they would do, they have & I've had no problems with them at all! Was scared to deal with any credit card people but am glad I decided on Merrick!

You are the greatest I've heard of in many years. Two hours after midnight at 2:00 AM the day after my seven monthly payments, the balance increased just as you said it would. Thanks to all of your staff. God bless all of you!!!

My Merrick Experience, as I call it, has be awing. When learning of a credit card that can help rebuild credit and increase the credit limit with on-time payments. It's like being rewarded for being responsible. It has been great having this card. I have recommended to several in similar situations. Thanks Merrick Bank.

I am satisfied, with Merrick Bank. They keep their promise. And that is what I was looking for. Good, very good and I keep looking for people like that. I will give a 10. to Merrick Bank. If someone ask for recomendation I will stand.

I am very happy with my Merrick Bank credit card account. No complaints. I had to contact customer service once because for some reason I couldn't get my password to work and they helped right away. I would recommend this card.

When I received the pre-qualification offer, what stuck out to me was line of credit $900. But after building a 7 month I believe relationship in good standing the line of credit would double! This card works for me as a revolving credit card, meaning monthly bills, cell phones, credit sesame, Microsoft Office subscription etc. Every month auto pays! And as promised line of credit just doubled! I highly recommend Merrick Bank, and they report to all 3 credit agencies! Thank you Merrick for finding me, and look forward to many years as a customer!

I have found Merrick Bank to be a blessing in helping me to rebuild my credit. They have been more than generous with their credit limit. And then the increase seven months later. I love them. Thank you Merrick Bank.

It is a privilege and an honor to have a Merrick Bank credit card. The monthly payments are very reasonable and easy. It is accepted anywhere. I got an unexpected credit increase which was a very wonderful and useful surprise. THANK YOU Merrick Bank for the outstanding service!

What attractive me about this particular bank was the fact that they were willing to give me a second try although my credit wasn't the best. They took a chance and because of that their chance on me, I was able to provide for my family in the time of crisis and emergency.

I am happy to have this card as it is pulling my credit score up a little every month. Interest is higher than I like, but it will get better. Would like to see a credit increase also, as a reward for on-time payments.

Merrick Bank credit card is one of the best cards I have ever had. They started me out with a good credit limit and in 6 months if I paid on time they would double the limit which they did. So I cut up a few of my other cards and have this one now. Great job Merrick. Keep up the good work and your word.

I only use credit cards for emergency such as a auto breakdown or travel. I mailed my bill on the 9th of last month. The bill was due on the 14th. I was charged a late fee. The woman on the phone was very pleasant and waived the fee. I am grateful for that. But it concerns me about your processing of mailed paid bills and your eagerness to charge late fees in a inappropriate manner. I will be hesitant to use your card before others in my possession.

Just want to say that Merrick's bank card gave me a chance and I will not let them down. I use that card and they doubled my amount and I really appreciate that. So to all the people that work there thank you and you are the best.

It's a credit card... I mean the rates arent the best, but they are pretty good with credit line increases. My issue with them is the late charge... If you forget (we are all human) and rush around to do a bank transfer and the bank transfer comes in the day after the due date even though you initiated it on the due date I dont think they should charge you the 35.00 late fee.

I have been a cardholder for eight months now and I have had a very good experience with the card and the customer associates who have helped me when I needed a clarification. They are quick and knowledgeable too.

When I wanted to build credit I went to Merrick Bank and got their card. As long as I did payments on time within 5 or 6 payments they doubled my credit limit. And I continue to make payments on time with the highest credit limit that I have and the rates are reasonable.

Merrick Bank reported a $1 past due to the credit bureau. Had the credit card for 10 years. Never used the card. The $1 was charged on a late membership fee that was sent in 10 days late. I had never had a late charge on this account because I have never used it. I was not aware of the late charge until I went to buy a car and that $1 past due changed my score from 731 to a 629. I could not get anyone to resolve this issue, representative made sure I understood it was my fault and would not transfer me to a manager. Very poor service and poor representative. I would not recommend this card to anyone. In 10 years all I have paid is membership fees.

ABSOLUTELY DO NOT DEAL WITH THIS COMPANY. I HAVE ALREADY NOTIFIED THEM MANY TIMES OF A FRAUDULENT CARD IN MY NAME AND THEY are doing nothing about it. They will let people keep fraudulent cards open and Merrick Bank does not care about the person this is hurting. Their representatives are extremely rude!!!! It's time to start filing a lot of consumer complaints about this company and I am starting today!!! Don't trust Merrick Bank. It will be your worst mistake. Merrick Bank is the worst company ever! Anyone who wants to file a complaint against Merrick... Go to www.Consumerfinance.Gov/complaint. And make sure you report them to the BBB.

Is decent card that does what it says. As with everything make sure you read the small print. Credit increases are given for keeping your account current. They have an easy-to-navigate website and multiple options on there.

Merrick gave me a chance to be a credit holder which allowed for so many more opportunities for me! Also they said my line would increase after paying on time for 6 months and they weren’t lying. Not only did my line increase but it doubled at the 6 month mark exactly! Thanks merrick!!!

The new website sucks. What was wrong with the old one? It's spread out all over the screen - harder to read. Info spread from one page to another. What was wrong with nice compact, easy to read? Home Depot went to a format like this and I complained to them too. A lot of good THAT did! Wasted space and going "here and there" to get all info in one place. Your web producers are DEFINITELY NOT users.

This bank took a chance on me... Single mother recently divorced needing to build her own credit up. Easy application. Intuitive App for Phone. Came through on the double CLI after 6 mos good payment history. I have never had to call customer service. Completely happy.

Thanks Merrick for the fairness you have shown as I have managed my account responsibly you have increased my line of credit. I look forward to taking advantage of other services Merrick offers for years to come.

My experience with Merrick Bank is wonderful... With my credit history being in not so good standards due to me losing my job then becoming disable Merrick Bank gave me a chance of obtaining a credit card with a credit limit that is within my budget to help me rebuild my credit. Thank you.

I love Merrick Bank. They are very fair, easy to maintain, love my account. They are helping me reestablish good credit. They increased my limit as promised and it was greatly appreciated. They also have great customer service.

They are the best bank I have felt with in a long time. They gave me a visa when others had turned me away. They took a chance on me so I am proud to say for my credit card needs Merrick is my choice of banks.

I really find the app useful and helpful. It’s easy to look at statements and to pay the bill. And the card works every time. I use it for online transactions most of the time. I find the card is a good card for me. I like that it saves me time and is always updated.

This was one of the first credit cards I applied to rebuild my credit and up to now it has been fantastic, it did help a lot to build my credit rating and they doubled the credit line after 6 months. Great card???

Merrick Bank helped me quickly regain some financial stability. Through on time payments I was also quickly able to raise my credit limit which boosted my credit score. Great online website. Easy to make online payments. Recommend them for anyone looking to open a new credit card account.

I've had this card for over a year now after receiving an offer in the mail for a $700 CL. Was approved immediately and have not once had a bad experience since having it. The CSR's are always so helpful and friendly. I use this card sparingly with keep my debt ratio 30% or less and have received two increases since then. I'm currently at $2100. I must say for those of you complaining and posting bad remarks on MB, I was at a 624 Credit Score and they offered me this card. Can't complain and have no regrets whatsoever. They gave me a chance to where your other top dog exclusive Credit Card Companies do not. I'm very pleased and Thank you Merrick Bank!!!

I have had the Merrick Visa card for over one and a half years now and never saw a credit line increase to $1400 like they promised because I was three days late on a payment and they have no grace period. There are many other companies out there that give much higher limits such as Capital One and Credit One that offer better terms. DON'T SETTLE FOR THESE LITTLE BANKS THAT MAKE BIG PROMISES!

I received a pre-APPROVED card offer in the mail. I responded online with the approval code only seconds later to be Declined. And immediately following I received a email from Experian letting me know that my score was impacted by a HARD INQUIRY from MERRICK BANK. There has been no change in my score since the date I was effectively PRE APPROVED. WHY NOT JUST SEND A PRE QUALIFIED NOTICE? I am checking into this further. It’s certainly not over.

I have always paid this card on time even making large purchases being responsible paying them off within a reasonable amount of time. Never a late fee etc... This is my emergency card with a “zero” balance and also thinking I’m being responsible for not using it for every little thing and I get the letter today. It’s closed due to not being used in over a year and cannot be reopened. It had nothing to do with my credit report. I called and said the above and was told a repeat of the letter. I stated I was being responsible and wanted my card reinstated that it was my emergency card. What would I have to do reapply? I was informed online you can only apply for secured cards that unsecured was by invitation only. The July’s invitations haven’t been sent out yet. He verified my address etc... not a happy camper! No warning! Nothing and it will impact my credit score!

I opened this account, more than a year ago. Used the card one or two times. Paid off the total owed. Went to use the card again online. My card was put on hold for inactivity of more than a year. Seriously? The card has an expiration date on it. If it is inactive up to the date on the card, then that would be reasonable to deactivate. My card's expiration is in 2021, three more years. I will NEVER be a customer of Merrick Bank, ever again.

I have had a card from Merrick Bank for 3 years now. Never late on payment and have received several increases. So far so good. Lately they have restricted my account for access for various reasons. The first time was that they felt that the merchant I was dealing with was a fraud. Note he is a good friend and never took advantage of anybody and has a good reputation. The last time was because I paid off my balance in full from my checking account. Yes that's right. I even put them on speaker phone so a friend could hear them and know I wasn't making this up. Merrick Bank accused me of using someone else's money. They even made me go to my checking account bank and have that bank send them a fax to assure them that I had the authority to pay my bills. Really? I have to prove I can pay my bills? My wife just died and I have some money from insurance payments. Really? Froze my account because I have to prove I can pay.

I received an offer and accepted it. I got my card and started to use it. Sometime in 2014 Merrick decided to close my account and also my internet ability. The last payment I made was in June 2016 and I never received another statement from them. I think the balance due at that time was less than $100.00. I recently received a letter from a collection agency that said I still owed Merrick a little over $400.00. Having received no new statements from Merrick I have made no additional payments since my June 2016 payment. Because they have not sent me any statements and because I have not made any additional payments they have probably be accumulating late fees and interest charges on the late fees. I am going to try and call customer service and write a letter to the collection agency with a copy to Merrick and see what happens.

For years I had perfect credit. Loss of job caused me to ruin my credit. Merrick approved a low limit credit card with 6 months of good repayment and raised my limit. I am very thankful for giving me the chance to restore my credit. Thanks Merrick Bank.

I’ve had the Merrick Bank Visa card for 3 weeks. Terrible experience after I made my third payment. My payment was held for no legitimate reason. Keep in mind, my previous payments cleared. I received an explanation saying that the reason behind the held payments revolved around the computer matrix, and the only way I could have my funds were to have my bank fax over a payment confirmation. Keep in mind, I never had a derogatory action against my account. The customer service representatives were ill equipped to answer my questions. So, I made my final payment and closed the account. Stay away from this bank and card. It’s terrible.

I recently applied for a card with Merrick Bank after receiving a mail offer saying I was pre approved. I was approved and waited for my card. After almost 2 1/2 months I noticed I never received it. I called. Explained the scenario and had another one shipped to me. After another almost 2 months still hadn’t received the SECOND card either. I called and cancelled the account. Then when checking my credit report I was hit with a hard inquiry on the application and then my credit went down because I opened then closed the account all within the first year. Ridiculous! My credit shouldn’t be affected by their inability to get their product to me when given TWO chance with a five month window. Especially when there are so many better companies out there, they should be striving to be better and at the very least efficient at their job.

Thank you Merrick Bank for providing me with a tool, and instructions, for rebuilding my credit after my divorce. An easy to use card with a great online tool to manage it helped me go from deep in debt to over 700 on my credit score. Starting off slow was smart, using the card and paying it off every month. Then, a few months in, after reliable performance from me, you raised my credit limit and that bumped my score. Thank you for what you do.

Very user friendly. I can get to all of my information easily. The card has helped me to increase my credit score and I would recommend this card to my friends. Merrick Bank has done well by me and I am very satisfied.

I feel that the card should have more of an option to better serve all type of consumers. Once the consumer who was once working in fixing credit or establishing credit has done so they should be able to have a product that suits their credit as it grows without having to close the card and go to another company to get that.

I purchased a tablet at Walmart.com but the box arrived empty, I even have the proof (the box) and a note from the mailman saying that the box is empty to contact their office which I did but they told me to contact Walmart.com and then follow with a claim from my credit card. Until now they have not credit back the amount of $169.99 plus taxes. Very bad customer service.

Firstly a charge of $4.00 a month really! Secondly I noticed on my statement that I am being charged finance charges from the day the charge was made. What the heck is that! Finance charges should not be incurred after the statement date hits and if there is a balance then finance charges are assessed. I have paid both cards off and I am cancelling them and writing to every media online company I can that Merrick Bank are thieves.

I want everyone to know that I am so pleased with Merrick Bank. They are an efficient company. The one aspect I want to bring out is that they are a extremely fair company. I worked to keep my account current as well as paying more than required. They recognized my efforts and increased my balance allowance. Thank you Merrick Bank!

I notice on this statement it was two charges of $119. Back in October 2017 there were a charge of $146 Miracle Healing formula. The merchant credit my account in November or December of $119 and Merrick Bank credited my account $27 and some changes under my last account. So I received another card ending in #** so I was that Merrick Bank credited my account three times when they didn’t have to. The only credit from Merrick Bank was $27 so now five months later Merrick Bank wants to tell me that they just now taking the three credits back. $238 was taken out of my balance. Please look into this. I’m very disappointed.

After filing for bankruptcy the only cards I was able to get had a annual fee which I understood but then I got an offer from Merrick Bank without an annual fee and was able to prove I am still trustworthy and deserve a second chance.

I am an ordinary consumer that has had this card now almost a year now and have had great success with this card. I've gotten an increase and as long as you pay your bill on time you will see great success with it. My credit score has improved tremendously. I believe that it is a great card to have that will help you improve your credit, to get you back on the road if used correctly.

Merrick Bank app is excellent. Very easy to understand and use to make online payments. Also whenever I needed to call customer service, the representative was very helpful and knowledgeable. I am very pleased with the interaction I have had with the mobile app and customer service representatives.

I am very satisfied with Merrick Bank and the service they provide me. They value their customers and reciprocate my responsible handling of the account they have availed to me. Thank you very much for the financial flexibility you have given me.

I have nothing but good things to say. They done everything they said they would concerning my account. They increase my credit right when they said they would provided I made my payments on time. Would definitely recommend this card.

I have had an amazing, awesome, outstanding experience with Merrick Bank. I would highly recommend them to all of my friends and family. They are always there when you need them. Thank you Merrick Bank, for accepting me as one of your customers. Please don't leave me. Again Thank You Merrick Bank!!

If you do your part and make your payments on time, this company seems to be fair and other than having a high APR, this has been a pretty decent card to carry. I had the double your credit line offer and my line was doubled as the offer indicated because I followed the guidelines. I was hesitant after seeing some people complain that they did not get their line doubled as offered, but I can only imagine it is because there was something they missed in the requirements because I have had no issue. The only negative really is the high-interest rate.

I love that I decided to get a Merrick credit card, they offered me a second chance at rebuilding my credit and so far I am deeply satisfied. Their rates are reasonable and it helps promote wise spending. Definitely would recommend.

I’m trying to build my credit. I’m happy I’m approved for only $600 CL. The first time I used it I got declined. And I was in a cab with no cash. So I ended up my friend paying for the cab. SMH!! So I called the bank and they just need to verify my transactions because apparently it caused fraudulent activity. So I got that resolved, the agent told me, "You are good to go”. But before I hailed a cab I tried the card first at a parking meter to check if it was really good. Card declined. SMH. And it was raining. Then called the agent, while slowly walking home in the rain, then she again said it was good.

Back in November I was notified that my credit score had dropped significantly, I am in the process of building a home to be finalized soon, I contacted Merrick and they said it was their mistake and sent me a letter. Today I received the same call from my bank (1 week away from closing) Merrick reported that I was late in March paying a $4 service charge and it dropped my score 50 points. I called to ask and they told me too bad. Really? Now because of $4 I may not be able to provide my kids with a home. I have auto payment set up so how can I be late?

I received a very curt letter from Merrick Bank today stating that they were closing my account just because I hadn't used my credit card in a year. My limit was immediately lowered to $300 and it would be closed in thirty days, regardless of whether or not I used the card, and the account would not be reopened. I've had the card for a few years, I used it previously when necessary, and paid off my balance with no late payments or penalties. The letter even stated that it was based ONLY on the fact that I hadn't used it.

I had a Merrick Bank Master Card for 2 years. I rarely used the card and decided to close the account because of the annual service charges. I closed the account in January 2018 and had no balance or payments due. 3 months later they put on my credit report that I was delinquent in my payments and took a 60 point hit on my credit score. Now I have to go through a bunch of hassles to get it corrected. Their customer service was useless and had no explanation for the delinquent reports. I will never do business with Merrick again. Capital One is a much better company with no annual fees and great customer service.

I have never had anything but positive experiences with Merrick credit card services. I have had my had for almost a year and they have been a dream to work with. I am sure I will rebuild great credit after my bankruptcy in no time. Thanks to Merrick Bank!

I was disappointed in seeing that my credit line looked to be increased on the website. I went to make a purchase & it was declined. I spoke to an agent that was completely professional, friendly and helpful. The online information was incorrect & the embarrassment it caused me was significant but the agent smoothed things out.

I have truly enjoyed the relationship I have with Merrick Bank. The policies were clearly explained and access to additional information is readily available. There's no "hidden" language which makes this an even better choice for financial services.

I have nothing but high marks for Merrick Bank. For me, they have been a good company to work with. However, I do think it's mostly on my part... I make my payments on time, and usually pay more than the minimum. In response, Merrick Bank has indicated their trust in me by raising my limit, which has helped my credit rating. I've had no customer service issues with Merrick Bank. Overall, I rate them highly.

Huge late fee for five days past due. Never been late prior. Was a complete mistake on getting days mixed up. Every other card I have has a 7-10 day grace period. So I paid off the whole $650 balance and have no intention of using the card again. I understand it’s my fault by not complying with your particular policy. Also, my choice to no longer engage my finances with your absurd policies though.

If Merrick Bank was a person instead of a company, I can say that I would like to be their neighbor. They seem to be concern with their consumers and so prompt in fulfilling their promises. Prompt in responding to consumer concerns.

I have had no problems. I appreciate the opportunity Merrick Bank has given me to improve my credit score. I would recommend this bank to anyone. The people having problems having learned the importance of paying back what they spend. This is a good bank. Customer service is very polite.

The people are very professional, good manners, very helpful and knowledgeable with all the offers your company give. The employees understand your needs and they try their best to make sure you understand.

It's a credit card account! No complaints! I'm not being hit with massive interest charges after ALWAYS making payments far & beyond the minimum required so no complaints. Now if Capital One worked this way I wouldn't be back in debt so deeply!

Merrick Bank has very easy to use online account. I love that they send me alerts and they stay in touch with customers through their online site. This is a card I definitely want to keep! Thank you Merrick for being there!

My experience with Merrick Bank has been top notch from the first interaction, to their customer service, to standing fast to their promises, to the credit line increase that literally made my day! Thank you Merrick Bank. I am quite impressed, quite pleased and would recommend this product (Credit Card) and Merrick Bank.

I tried Merrick Bank in an effort to better my credit as it had been damaged when I lost a home to foreclosure back in 2010 during the recession period. It was difficult to get any type of credit and Merrick Bank offered me a small line of credit to help me rebuild my credit score. Part of their plan was to increase my line of credit after six months of on-time payments. I made sure my payments were made on time and right about the sixth month they increased my line of credit without me having to ask for a review. A couple of competitors also offered the same but failed to review my performance. When I called to ask, they said they didn't do that and I could request a line increase with a fee. I was very disappointed by this and really praise Merrick Bank for their commitment to honesty, transparency, and for doing exactly what they said they'd do. Keep up the great work!

April 12, 2018 called customer service and found out I had a block on my account. I went through several different questions and they said based on my answers I needed to give them 3 things by fax. I complied and according to them after 3 attempts to find out if my information that was requested was received and the runaround from it takes 24-48 hours to it takes a while. My account is still blocked. I'm just going to pay out my account and no longer deal with the credit card.

Since they changed their new look I had to go change my password because I couldn't remember it and I followed their guide in doing it and it was very simple. This time I wrote everything down so in case they change again I will be prepared. Thank you for making it so easy.

A bit of confusion when first opened, but has been a pleasant experience since. Great customer service agents, willing to aid in any way possible, and easy to navigate website. Overall, very happy as a customer and have recommended.

I opened this card almost 2 years ago. They started my account with a paltry $600.00 CL. After almost 2 years, I have never missed a payment and I normally adhere to the 0-30% card utilization max rule across all of my accounts. They increased my CL to $1200.00 after a year approx. Since then, nothing. Since I use my credit wisely, do the math. I can safely use $360.00 on this card. I opened an American Express Blue Cash card a year ago and got an $11,300.00 CL which has already been increased to $17,300.00. This card and this bank is a joke. I'll keep it open for account age only, and maybe a fill up at the gas station every once in a while, but otherwise, it only takes up space in my wallet with no real use. Thanks Merrick.

I have been on the phone 3 times with them to allow a charge from a hotel chain in another country to run my card. I've also authorized it via email for the charge to be allowed. The card has been "reset" twice... whatever that means, and I'm told it should go through. Each time (all 4, now), the card still gets declined. Then they have the audacity to tell me to not use strong language while on the call - here's an idea, DO YOUR ** JOB AND I WON'T HAVE TO... They complete morons and can't think past the end of their own noses to realize how frustrating it is for a CUSTOMER not to be able to use their card not to mention the countless hours spent on the phone with them and the hotel chain trying to figure out why it isn't working - and you wonder why I'm cussing???? **, SINCERELY. The good news is I have $83.00 to pay off my current balance and I will canceling this card and never using them again.

My Merrick Bank Card is my favorite credit card and the only one I really use for large purchases. I haven't had any inconveniences with it and my online account has been easy to navigate and make payments on. The only issue I've run into has been not being able to figure out how to add a family member onto my account or if that is even possible. Everything else had been great.

I pay my bills by mailing checks 9 to 10 days before they're due, and 99% of them arrive and clear my Bank within 5 to 6 days. These crooks at Merrick Bank seem to sit on their incoming mail for a few days before they even post your payment, and how convenient for them that in more than one occasion they have posted my payment the day after the due date, after which they hit me with a $27.00 late fee. And when you call them, they refuse to refund the late and tell you to next time mail your payment 12 days before the due date. Gee I'm sorry but it doesn't take 10 days for a letter to travel from SC to wherever the hell they are, and since I have zero tolerance when it comes to dealing with thieves, scammers, and crooks, this is one account that I will soon be closing. This is the one and only credit card company that I have this problem with.

I have held a Merrick credit card for over 15 years. Always in good standing. However, I seldom use the card. The reason being is a simple issue I once addressed with their customer service department turned into a nightmare and went unresolved. I login to the account monthly to ensure no fraud on the account. Today I found it was not able to be accessed and it advised to immediately call their CSD. I spoke with several different ladies (I was hung up on multiple times. I suppose the issue was too complicated for these reps), and finally spoke with Shamira (SIC?), what a joy, as she sang da-da-da-, placed me on hold, then fiddled about and finally said she couldn't help (though this was the number I was advised to immediately call, and that a department that could help refused to take the call but I could try back in 48 hours and they might take the call then.)

I received a mail offer from Merrick Bank for a credit card. Said that I was pre-approved!! I got it in the mail yesterday!! There is NO way that my credit rating changed from the time that they sent it to me. Seemed like a good offer and would give me a chance to replace a card that I wanted to pay off and get rid of. So I got online and applied. Now I know that it says that I could be denied BUT here is my problem with that. There is now a hard credit inquiry on my credit report!!! They should not send out these offers if they are not going to honor them!!! It's not fair to the consumer!! If I made a mistake and entered something incorrectly or didn't check all the boxes then I should be able to go back and fix those mistakes. So they don't need to send me any more offers!! Don't waste my time!!! Just remember when you accept one of these offers it affects your credit score!! Thanks Merrick for nothing!!!

After many years of a good experience with Merrick Bank I paid off my card. Never late, good customer and without warning sends me a letter that my account closed for non usage in a year with no balance. In the past year I had an accident and did not work and helped a family member in hospice. I cannot believe this bank's attitude that they will not reopen it. After all the bank made from me from being a good customer without any issues ever. I contacted customer service and spoke with a supervisor Tom. He told me they do not reopen nor advise in advance that there would be action for non usage. I have other bank's cards and if you forget for whatever reason they will advise their customer rather than dump them. This will no doubt affect my credit score and I will say to you to stay away from this bank. Seek other options. THEY DO NOT CARE ABOUT YOU OR THE BUSINESS YOU GIVEN THEM!!!

Got a letter in the mail, "Please apply. We will help fix your credit" which really isn’t that bad. Denied in one second. Thanks so much for lowering my credit by applying for your card. Stop sending me things in the mail. You really don’t help people. It will take me months to fix the damage done to my credit score by trusting your false advertising.

I have had this credit card for a few years, and I reserve it for emergency use. I haven't needed to use it in a while. I received notification from Credit Karma that my account was closed, so I called customer service to ask why I didn't receive notice that this action would be taken. I was told that notice was sent and returned as undeliverable. I have lived at the same address the entire time I had this card. They will not reopen my account because "we don't do that." Even when I told them that I needed to use the card for a medical procedure, they wouldn't do anything, and told me I should have updated my address if I wanted to receive notifications from them. I want to know what address they had (the customer service rep wouldn't tell me).

Got credit card things worked fine. Limit was doubled as promised in amount of time promised. All payments made on time, no over limit. Then after a year by December 2017 credit card account not reported to credit bureaus. Called and got no help at all. This affected my very good credit score. When I do have to do and dispute about charges to credit card. They are ignored 100%. Told not responsible for charges but I pay them off because Merrick Bank does one things only cancel my credit card and send a new one. It takes time and during that time I can’t use my credit card. Useless to call and try to fix any issues with Merrick Bank. Charged annual fee that is way too much and can’t stand. They wait until last day of statement to charge it. Never shows up as charge to pay off.

Merrick Bank received a Power of Attorney from National Debt Relief. As a result they blocked my card use. I have paid the card down considerably and did not authorize NDR to contact Merrick Bank. I have placed seven phone calls trying to resolve this issue. The Card Services Department that handles this type of issue is only open for 2 hours, between 3:00 p.m. - 5:00 p.m. (ET). I have called this department three times and have been on hold for the duration of 2 hours, only to hear an automated message stating, "We are closed. Please call back during normal business hours between 3:00 p.m. - 5:00 p.m. - Monday - Friday." Here is the direct number, 877-487-5598. I also sent a letter asking to reinstate my charging privileges.

I did electronic bill pay to add more money to my account because I was renting a car and I didn't want any problems getting the rental. I currently have a credit on my account for $78 that I was told couldn't be credited to my card until the $200 hold that Hertz placed on my card was released... The supervisor told me to call back once the hold was released. One day after the hold was released I call back to Merrick Bank and speak with a supervisor to get MY $78 placed on MY account so I wouldn't have to mail a payment out. The supervisor tells me they would have to mail me a check that I SHOULD receive in 7-10 business days. I explained to her that, "The check you're mailing me will only be sent back to you as payment, why can't you just keep it and deposit it into my account..." She said they can't. :-( What an unbelievable experience. DON'T WASTE CUSTOMER'S TIME... JUST STOP IT!!!

Merrick Bank has been very fair to me and has helped me to rebuild my credit. Of all the Credit Cards for those of us with less-than-perfect credit, Merrick by far has the best rates and fairest fees. Also, no hidden fees and a very user-friendly app. I would definitely recommend Merrick Bank.

Merrick was a great starter 1st credit card. I now have 5 cards all of whom promised to increase credit lines after 6 months of on time payments, to date Merrick is the only one who kept to that promise.

I got a Merrick card and all was going well. I had a bunch of returned payments based on some timing and helping a relative in need. Please note these returned payments were re-deposited and paid. That is the critical point. Any fees associated I paid and they were not returned unpaid. My account was never late and I was not over my limit. I went online to make a payment and saw the account had been closed. When I called, I was told that I was sent to Collections because of the returned payments. I reiterated the re-deposited paid payments and that the account was not late ever. I requested an investigation. I did not receive any reply and called back and was told that the status remained the same. This was reported to the Credit Bureaus as Written Off - Bad Debt. That is completely not true. I called back and asked for an escalation and filed disputes with the credit agencies.

Merrick Bank had been a great credit card company for me and my husband to help us rebuild our credit. I would recommend them to anyone who needs a starter credit card. We currently have been using ours for 2 years now.

The experience with Merrick Bank has been a pleasant one. Online service is excellent. They kept their promise on my credit balance increase. The statement is easy to read and understand. I will recommend Merrick to my friends and family.

On more than one occasion, it has taken too long to process my payments (made by telephone) after I have a received a confirmation number verifying that the payment was made. The last time it happened I paid the statement invoice amount due about 10 days EARLY(before the due date) and the payment still was not processed by the time my due date came around. I had to physically go to the bank, put the money in a different checking account at a different bank and make the payment again.

Merrick Bank has to be the most wonderful credit experience I think I've ever had! They have been very good to me better than the people I've had accts w/ for yrs! I intend to be just as good a customer to them! I consider myself lucky to have a card through Merrick Bank. I know I can always count on them! Thank you for taking a chance on me Merrick Bank!!!

I have enjoyed the Merrick Bank credit card. The bank added the credit increase when they said they would and their Rep is always nice and courteous. I would highly recommend this credit card to my family and friends.

My experience with the credit card services of Merrick Bank have been great. Having never missed a payment I have been able to get generous limit increase with no difficulty. The app is easy to use to pay my bill. No complaints.

I’ve had a good experience with Merrick thus far. The Android app works well, and I can check my account from anywhere. The notifications are helpful, and I would recommend Merrick to anyone looking for a convenient, hassle-free experience.

Nothing bad to report. I'm able to access my account online with no problem, never had a problem using my card, and after paying on time for several months they increased the credit limit automatically just as they had said they would. Very fair and I would recommend them to others.

Becoming disabled without warning my income temporarily dropped and medical bills rose. Merrick offered me the help I needed to hold on until my income returned. I was able to keep my house and not have to sell anything. Other banks even local turned me away. Merrick Bank trusted in me and gave me the line of credit I needed to hold on. Not out of the woods yet but the end is in sight and by this summer my wife and I will be back on our feet. Thank you.

I have never had any issues. I have never had to call and talk to anyone. I have always paid on time and try not to go over my limit. I enjoy having this card and am very happy. I would be more than happy to post that anywhere.

My experience with Merrick Bank has been wonderful. I have never been a customer where the employee really give it all he/she has to make sure that you are satisfied with their services. Love Merrick Bank.

They were there for me at a time when I needed them most. They gave me credit and as promised they doubled my limit when they said they would. Their website is easy to use and I've never had any issues making payments to them. I would recommend them to anyone who has gone thru a hardship and is trying to turn things back around again.

Merrick trusted me after I worked my way thru Lung Cancer and my Credit took a beating because of my huge Doctor Bills. I will always be Loyal to them for giving me a chance again. I've never been late on a payment and never will be!! Thanks to them my credit score is on the upswing!!

This creditor showed me compassion and consideration during a trying time. That touched my heart. None of my other creditors did what they did. I am forever grateful. I will be sure to always keep them at the top of my list. Thank you, Merrick Bank.

I love the fact that Merrick motivates you to keep your payment on time by offering a increase after the 7th month, great incentive. Although my husband didn't get his increase, due to a glitch Merrick Bank had. But We accepted it and are still loyal customers. When it comes to customer service it's lacking training of great customer service because you could have a lot more business if it went a little smoother. We talked to about 10 reps before we could get any answers. We don't even call anymore. We feel like it's just hopeless to get anything done on the phone. We just pay our bill so that we can maintain our credit.

My experience with Merrick Bank credit card has been outstanding. Having a card that can cover car rental expense or a simple three night hotel stay (average room rate about $175.00 per night) is so wonderful. I pay the bill on time and in a few months they will double my credit limit... I love this concept, it drives you to make that extra effort to get your payments in on time... WAY TO GO MERRICK BANK!!! Now teach the other credit card companies how to do it.

I have been a customer with Merrick Bank for one year now. I sent them 2 payments in February 2018 for a total of $255.00 dollars. (1 money order for $50.00) and (1 for $205.00). To date my account has only been credited for $50.00! This is insane! I believe they have someone on the inside stealing from customers. Or, they intentionally do not credit your account because of the high interest they charge! On March 10, 2018, l sent them another payment this time for $90.00 dollars. Today, it is March 17, 2018 and still no credit to my account. I am asking that ConsumerAffairs look into the financial dealings (audit) Merrick Bank for scrupulous financial and misleading accounting practices. There is something seriously wrong at Merrick Bank.

I've had a credit card with Merrick since 2012 with a credit limit of $1000. For the first two years, I always paid on time and over the amount of the payment due. I NEVER got a credit limit increase. Between the end of 2014 and 15, I was late a few times because of personal situations. Well I got back on track the end of 15 till now. I've never missed a payment nor been late in over 3 years, still have not received an increase!!!! I spoke with a rep today that looked in my file and said I qualified for an increase back in 2012 but not sure why it wasn't applied and she couldn't see why I haven't received any in the past couple years.

I got charged for 2 items in 3/17 for 179.48 and disputed the item and then when I got a bill I had a minimum due on the bill. When I spoke to someone there which I found out later WAS NOT Merrick Bank but a 3rd party they told me I did not have to worry about the minimum because it was under dispute. Then I got 2 more charge 4/28/17 for 188.38 and the same thing happened. It was under dispute and then something happened. I was told I did not have to worry about minimum charges because it was under dispute. Then I got a credit for all the charge one in April of 17 and the other in June of 17.

I’ve used Merrick for a long time. Got a letter saying, “You haven’t used your account in a year. This account is closed and will not be reopened.” I called and the lady says this account is closed and will not be reopened. I will never give them my business again. I have credit cards unused in 8 or 9 years without being closed, shame on you Merrick. See ya!!!

With my low FICO score I’ve been denied cc from everywhere. Found through Google search. Applied within a minute approved for $500. Now my credit limit is $2000 within a year and CS is 689. Thank you Merrick Bank.

Absolutely no flexibility on the high interest rate. Have had this card 4 years and made on time and higher than requested payments. Now that I want to pay it off and requested a lower interest rate, the customer service rep rudely told me there was absolutely no chance of a lower rate. I think I heard the sarcasm through the phone as she explained the rate was set when the account was opened. And at 26% interest, it's almost criminal. Have since closed the account and transferred balance to a card with much lower interest and better customer service.

I got a Merrick Bank VISA offer in the mail. I went online to their site and applied for the credit card. As soon as I input the acceptance certified number I kept getting an error message saying the certificate number did not match. I input the number many times before giving up. I come to the conclusion that this might be a scam to get consumers information. I believe it is a scam because the very number they sent to me did not match. This is not right and I want others to know about this experience.

I have been a customer of Merrick Bank since 2012 . Never late with payments. In November, 2017 one of my other credit cards was hack into First Saving. The hackers got into my checking accounts and changed my address to Miami, FLA. Our money was not available. This was a mess. My husband and I live on his social security. For December payment I stop recurring payments because of this. I made my payment 5 days after due date. The csr waived late fee and said, "Don't worry. It all good." The next month MB proceeded to take 92.00 out of my account instead of the 39.00 which was never mentioned to me when I called the bank to let them know what was going on. I did not plan for this amount and I keep exact amount in my checking account because of being hack into. That checking account is now closed because of the hackers.

I'm in the middle to repairing my credit and was only getting offers for secured cards, or $300 limit cards. Merrick just offered $750 which I consider pretty good for my credit score. It comes with an offer to double that limit to $1,500 after 7 months. I don't carry any balances on my cards - pay off the entire balance when the bill comes due, so this will be a very welcomed $1,500 credit card in 7 months. Not bad. The goal obviously is to get my score up farther where I can cancel cards like this that have annual fees, but I'm not there quite yet.

I mailed a check to them and my other creditors 18 days ago. All other creditors have received their check, posted the payment and my check has cleared. Merrick is the only bank who hasn't. Mind you, I'm paying the entire balance. My payment is due today. I'm not certain what their problem might be but clearly there is one. They have doubled my credit limit twice so I do pay on time.

I just spoke with one of their representatives and inquired about the free FICO score check they offer. Do not do it as it is considered a Hard Hit on your credit reporting. This is NOT disclosed and I would consider it a breach of some sort as the consumer is not aware of this hit before it is done. There is no clear literature offered before the consumer hits enter.

Pissed off Customer who was literally lied to about a pre-approved letter after log in to site to apply for the Pre-approved Visa Card that Merrick Bank Sent Me. I was Denied, Totally ** Because I’m Driven a Brand New Car that I Bought a Year ago & I've made every payment on time, I've got 5 Credit Cards that are all Platinum Cards, I've got a Visa Gold Card with a Unlimited Limit, My Credit Score is 650+, Just Purchased & Built a Brand New $300,000 Dollar Home & You Guys Still Denied me one of Your ** Credit Cards. I will Take my Business elsewhere & I hope you lose Customers over this Review Because you guys have one Highly Pissed Customer.

After having been a customer of Merrick Bank with platinum Visa card, I was just informed that my account was closed due to inactivity and would not be reopened. No communication was received warning of my imminent account closure, just a letter stating that it was closed! This is what almost 7 years of good standing and on time payments (NOT a single late payment) will get you. A call to customer service gave me the same information. All they could do for me is file a complaint, but the account could not be reopened. I was not even offered an opportunity to open a new account. Great customer retention! I am truly disappointed in Merrick Bank.

Merrick Bank is incredible. Their customer service is always helpful. When I was in need of help because of Hurricane Irma, Merrick Bank was the only credit card company who immediately and without question helped me out on deferring my payments with no penalties. THANK YOU MERRICK BANK!

I am really happy and excited about the app. I have all of my information available as soon as I need it without having to get to a computer. Being able to pay through the app is also helpful. I appreciate Merrick Bank allowing me to establish and build my credit profile and I look forward to continuing to be a satisfied customer.

First customer service representative I spoke with never processed the request to mail me a new card. She did process the name change, but I never received a new card. Second customer service representative I spoke with apologized and sent me a new card with expedited shipping. Interest rates too high, no cashback or other rewards offered. I've already applied for and received a Capital One Quicksilver card offering 1.5% cashback. If Merrick Bank doesn't keep up with other major banks offering rewards, by the end of 2018 I'll be canceling my card in favor of the Capital One Quicksilver card.

Merrick Bank is great! I am really glad to have this credit card as it helps out a lot and is easy use the features. The limit of the card is sufficient now that I have had it for sometime paying my dues. Customer service is excellent as I can pay my balance/minimum by phone or online!

I've been with Merrick Bank for a little under a year now, I've never had any problems with them. The app runs smoothly, the site is easy to navigate, and any questions I have are answered in a timely manner.

I have been with Wells Fargo for 26 years. I branched out to Merrick Bank for an extra credit card when fraud charges began appearing on my credit cards at WF. I have had three occasions to speak to Merrick reps and all I can say is that the company hires "Wonderful human beings!" As far as the website... Amazingly simple to use! As far as the service from Merrick... It is tops! If there was a Merrick Bank near my home, I'd transfer my money and open accounts at it, because I've only had absolutely positive experiences.

Only complaint is that my billing due comes out before my actual statement is available. Very happy with line being doubling for on-time payments! Payments are easy to do as well. I like having to confirm my ID everytime as well.

They told me "make your payments on time for 6 months and we will double your limit". It happened without me making a call. A couple days after my 6th payment the increase was there. They would get 7 stars if possible. If you do what they ask they will do what they say.

I received a preapproved statement in the mail today. My credit isn't perfect but i have nothing negative new in several years. I just paid off a 5 year car loan and I have 5 other major credit cards. I decided to go ahead with this preapproval just to open up my debt to credit ratio. I was denied credit with this company. What exactly does preapproval mean if you're not actually preapproved? It's just a scam to get you to apply for their card with no preapproval criteria met on their end. Just took a hit on a credit inquiry for nothing. You would think with charging the high interest rate and yearly fee, they would accept someone with 97% credit pay rate that I have on my report.

They offered me a credit card when I was in the rebuilding process. I have not had any bad experiences. They have been good to me. As long as I pay on time and keep my card in good standing they increase my credit limit. Thanks!

Merrick Bank gave me a card when the other banks wouldn't. For that I'm grateful. It really helped my credit score. They doubled my limit just like they promised and even bumped it up a couple more times. But now I have cards without annual fees and way cheaper interest. They don't offer cards without the annual fees and they never lower the interest. This is a rebuilder card and it is what it will always be. So, I just make a small purchase occasionally, pay it off, and put it back up. To help with the credit utilization.

Merrick Bank provides a safe way to extend credit services to me as a customer. They are fair and watchful of usage in unfamiliar locations by verification process which I respect, and a reminder to me to pre-inform of travel use to avoid decline.

The online app is poorly designed at best. I check the remember me box, and it usually does not remember my userid so I have to enter it again. It would be nice if you could see statements or at least a summary through the app. Sometimes I need to login online (I.e., through my computer because I cannot see what I need to see through the app on my phone and iPad). I would like to see the balance as of my last statement, not just the current balance and minimum payment. I want to see what I need to pay without incurring finance charges. I cannot see this in the app.

My experiences have been fine. Only reason for contacting the bank was to get my due date changed. Whereas they were very compliant their process was different and a bit confusing compared to some of the other banks. And on a personal note, their CSRs could loosen up a bit and be a bit more friendly! Joking ??? Was not their top note??? Otherwise I would recommend them!

I had a question about my credit card balance and was helped by one of the best customer service reps I have ever had in my life. She was very friendly and helpful. Hope you are able to look her name up and give her a raise and keep her. BTW she spoke perfect English which is important to me, especially these days, plus I was a customer rep myself once. Great doing business with you.

I found Merrick to be a great bank to have a credit card through. They are prompt with adverse issues, and doubled my credit line after showing good faith without my asking. I have a card with another bank, and do not get this same courtesy. Thank you for your service.

I have been recovering from my wife's death and a foreclosure; Merrick Bank has given me the extra financial flexibility that I've needed raising 2 kids. I was expecting my credit line to increase when they said it would... and it did. Things are getting better for us... in part thanks to Merrick Bank.

I would recommend Merrick Bank, My experience has been positive. Opened account in May of this year with a client of $550. Within 6 month limit went to $1100 which was great. It help boost my credit score, so I look forward to sticking around, and I encourage my friends to apply as well.

Merrick's outstanding means to be accurate & fair means the most to me. Also the fact that they're trustworthy and dependable. If they say that you're due for a credit line increase they honor that date. Impressive!!!

I have decided to write a Review on Behalf of my Credit Card with Merrick Bank. I apply for a credit card with Merrick Bank last year on August 2016. I thought I will be denied due to my credit score. I was very surprise that this Bank gave me a credit card with $500.00 and I had an increase in 6 month of $500. I pay my card before my due date which is the 21st of each month. I have never had any problems with accessing their website. They have everything up to date on my account. Their fees are reasonable and my credit score has been going up.