TrainingDataPro/customers-reviews-on-banks

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Alba	24.04.2021	Worcester, MA	merrick_bank	5	Other banks have declined to give me credit card as I had no credit not because I have bad credit but because I just didn’t have credit. Merrick Bank not just have a credit card but now they upped my credit limit. I am happy with my card. Now I am building up my credit. Thank you.	null
Equillia	24.04.2021	Greensboro, AL	merrick_bank	5	Great credit boosting card with very reasonable monthly payments! Love the credit line increases!!	null
Michael	1.04.2021	Houston, TX	merrick_bank	1	When disputes occur the Credit Card Companies have a legal obligation to be impartially and decide with Facts which party breached the contract. Merrick Bank did neither and demanded pay without investigation.	8
Elizabeth	31.03.2021	Fredericksburg, VA	merrick_bank	1	I am very unhappy not realizing I was going to have to pay a fee each month not to mention the interest rate being so high. I guess with the Covid 19 going on and everyone's income being hurt others are regretting getting this charge card. Hopefully I can pay it off soon. One month I had a 27,00 extra fee and the gentlemen I spoke with on the phone said that charge was because I used the card to charge something. Well on that note I have been dearly trying not to use it. I will try to get my balance paid ASAP so I can close this account.	13
Glen	31.03.2021	Havana, FL	merrick_bank	5	I am very happy with Merrick Bank, they have been helpful to me on several occasions. They are courteous on the phone. They answer the questions that I have asked and they give me advice when I ask it.	null
wikelson	30.03.2021	Palm Bay, FL	merrick_bank	1	I called Merrick bank regarding a merchant who repaired my car. Come to find out the mechanic closed his shop when I went to complained about my vehicle. I logged into my card and I saw it was pending. I asked the customer service agent at Merrick please cancelled the transaction. They told me no. I was dissatisfied with the merchant. They did not repaired my car. I was told to filed a dispute. Meanwhile the transaction was pended. So I filed a dispute and I was denied twice. I was told they are not ensured to give me my money. And I have to go to small claims court and dispute the payment. I am done. You are better off getting a credit card from another bank. I have to pay $700 for a car that was not repaired at all..	8
Laura	25.03.2021	Brevard, NC	merrick_bank	2	I was charged during Covid 19 restrictions for a gym membership that I could not use. I disputed these charges but it was found by Merrick that they were legitimate which I still disagree. I will not use this card for any type of recurring charge in the future and my Merrick card is no longer my regular credit card.	8
Christopher	25.03.2021	Akron, OH	merrick_bank	5	I just wanted to say with you guys you're one of my credit cards that I've had the most advancement in the most payment increases with. I'm grateful to be affiliated with your bank and hope that we continue to do business together for a long time. I thank you guys for a continuing to be a great Bank even throughout this pandemic and I just wanted to say thank you.	8
Jeffrey	20.03.2021	Wesley Chapel, FL	merrick_bank	2	Considering that I am A++ credit, I found their high interest rate and poor customer service to be a limiting factor in using their credit card regularly. Then they clinched it by closing the account without any advance warning simply because I had charged anything to the card for 12 months. You would think that with a $45 annual fee they would just keep the account open for the free money they get off the annual fee, but nooo. No matter. I get better card offers from other banks all the time.	7
Anthony	18.03.2021	Ellijay, GA	merrick_bank	4	Chase, so far, takes the cake when it comes to consumer UI and ease-of-security alerts, but Merrick Bank definitely has improved over the last couple of years in the consumer UI and ease-of-setup aspect. Still like keeping their Credit Card due to the constant automatic limit increases and the fact that it reports to Transunion and Equifax, at the same time, for the same card.	2
Ty	18.03.2021	Saint Johnsville, NY	merrick_bank	5	So far as a Merrick Bank credit card customer I have been very pleased with them. Any questions are answered quickly and professionally. Rates are good and the online credit card management tool is easy.	2
Margaret	18.03.2021	Belleville, MI	merrick_bank	5	I have had a great experience with Merrick Bank, and their Credit Card, it has helped me to establish my Credit. And, has rewarded me generously, with credit line increases, for which I was appreciative, because of my excellent payment history. Thank You, Merrick Bank!!!	null
Cathryn	16.03.2021	Lantana, FL	merrick_bank	5	Every time any unexpected charge has occurred on my husband's credit card account, we call customer service and they have looked into the charges with us right then and we were able to get the clarification needed.	null
Christine	16.03.2021	Hopedale, MA	merrick_bank	4	This was a great company for a secured card to help rebuild credit. I do wish they would offer the option to switch the account to an unsecured card after a period of time with a great payment history.	null
Anthony	9.03.2021	Orange, NJ	merrick_bank	2	Increase in credit limit, I have been a loyal customer for years. Pay my bills on time and gotten other credit increase, my credit score has increased drastically and high. Still has not gotten a proper increase in my credit line. I think I will use this card less and get another one.	8
Pauline	21.02.2021	Brooklyn, NY	merrick_bank	5	They made the payment manageable for you and getting to the website is very easy at all time. The only one problem I think that they can make the interest rate smaller after being a long time customer with good credit rate and keeping your account in good Standard.	null
Marcus	20.02.2021	Muskogee, OK	merrick_bank	1	I scheduled a one time payment and then a day before the payment I signed up for auto pay but took both payments. I called and they said to call my bank there was nothing they could do. The bank won’t refund the payment unless I can show that the card was paid in full. I need my overpayment of $789.32 ASAP.	12
Destin	8.02.2021	Stone Mountain, GA	merrick_bank	1	Never received a refund for a cancelled flight due to the 2020 pandemic. The airlines gave me useless credit towards my next flight when I wanted my money back. I went through with Merrick Bank to force a refund and instead they sided with the airlines and refused my refund. Been a full year and nothing. When I needed you to protect my money during the toughest year of my life, you weren't there. I've since signed up with another credit card that actually reports with Credit Karma and Transunion (4 years since I got your card and have no credit to show for it!). Extremely disappointed.	6
Edward	4.02.2021	North Port, FL	merrick_bank	1	I would’ve kept a card if you didn’t nickel and dime for a four dollar a month fee with my credit. I don’t need to pay a fee of any sort as now I have three credit cards that don’t charge me annual fees so that is why I got rid of your card.	13
Kwizera	9.01.2021	Humble, TX	merrick_bank	5	Having Merrick Bank Visa card is been very great. In the past I had Credit card with other Bank, but they had to closed it because I was in a situation I couldn’t pay on time my bill. But when I got Merrick Application to build my scores by using their credit, I took this opportunity to use this Credit wisely and always pay on time. Ever since then, I started using it and my scores are good so far. I can recommend anyone to trust Merrick Bank.	9
Valerie	2.01.2021	Greensboro, NC	merrick_bank	5	My account with Merrick Bank has been very rewarding. Customer Service reps are always helpful and nice. I would recommend the company to anyone. I hope that things will continue in the new year. Thank You.	null
Carol	1.01.2021	Uniondale, NY	merrick_bank	5	My experience with Merrick Bank, has been rewarding, in that I keep my account with always paying the amt. On the due date and try not to be late, and is rewarded with my limit being increased and it always come at just the right time.	null
Kiaira	23.12.2020	Newport News, VA	merrick_bank	4	This was my first Credit card since I was 18. Overall I’m happy, the increase my limit every so months. The app is easy to work and pay. I just wish my APR would decrease and cash back opportunities were present.	2
Brandi	17.12.2020	Philippi, WV	merrick_bank	1	I was charged for something I didn’t do and I think it’s completely ridiculous that I have to pay for something I had no part of! I’ve had 3 different people tell me things, but regardless when it comes down to it I didn’t purchase or sign up for anything. Just because there’s an address that says they sent it to doesn’t mean I received something. I had to replace 3 cards due to possible fraud which was brought to my attention by MY BANK, that’s how I even noticed all this nonsense to begin with! I actually had just noticed something very strange on the hill in my yard up by the road, and once I finally went to see if it was an animal, it was actually a clear garbage bag of Amazon packages!!!	5
Tara	10.12.2020	Columbia, MD	merrick_bank	3	Overall, my experience with the bank have been average. The interest rate remains high even though my credit score has improved drastically over the years. The annual fee seems unfair since it is in addition to a high interest rate. I have received regular credit line increases, but they are small ($200-$400 at a time). Customer service doesn't offer much information about what is missing or what more should be done to improve my experience.	7
Nancy	2.12.2020	Suisun City, CA	merrick_bank	3	Since I have been a customer for a long time and my credit score is very good, I think I should have my account offered to have not fees and a better rate. This has not happened as of yet. My FICO score is over 700.	8
Dayna	27.11.2020	Pine Grove, CA	merrick_bank	5	We appreciate your increase in our credit amount in these trying times. It has made it so we don’t starve most of the month. My wife has been in the hospital recovering from back surgery and have relied on having this card. Thank you again. Dayna **	4
Michael	25.11.2020	Cairo, GA	merrick_bank	3	I would have given Merrick more stars but their unwillingness to reward people like knocking down their interest rate on your card. I have been a credit card holder with Merrick Bank for many years, I live on a fixed income (100% disabled) and I have NEVER MISSED A PAYMENT, NEVER GONE OVER MY LIMIT, NEVER HAD A RETURNED PAYMENT (money to make payment has always been in my account). I just feel when you make all this effort, and been a loyal customer that it should be taken into account.	15
Eloy	25.11.2020	Pueblo, CO	merrick_bank	2	I have never been late on my account. I never asked for a credit increase but.. Merrick Bank never offered me either. Merrick Bank has never asked me how I was doing financially, they just ask for their payment each month.	8
Amber	19.11.2020	Lebanon, IN	merrick_bank	5	I got my Merrick card at the same time as a competitor's card. I have made payments exactly the same way on both cards. Merrick has raised my credit limit multiple times and is over double the credit limit on the other card. I appreciate them actually paying attention to my efforts and rewarding me for them. I recommend Merrick Bank to anyone who will listen! Thank you.	8
Toni	12.11.2020	Alexandria, VA	merrick_bank	4	I have had this card for about a year and a half now and have received 2 credit limit increases. Overall I have been pleased with the card however the Merrick App could be a little more user friendly. I also would love to understand how they determine the amount distributed at credit increase times.	3
Roy	11.11.2020	Sidney, AR	merrick_bank	2	I have held a card for a few years with never having a late payment, I have other cards from other banks that the interest rates are a lot less. Would use the card more if the interest was lower and the credit availability was higher then I would pay more on it every month but kinda dissatisfied with the interest rate and available credit.	13
Marlene	11.11.2020	Mechanicsburg, PA	merrick_bank	3	When the pandemic first hit and I lost hours at work, I called all 4 of my credit card companies to ask for a lower interest rate and less finance charges to cope with COVID. All of my credit card companies worked with my except MERRICK. I have never missed a payment nor have I ever been late but they would not consider my request.	12
Mary	31.10.2020	Baytown, TX	merrick_bank	5	Merrick Bank is an exceptional credit card company. They mean business and comply with all your needs to establish your account with them.	3
Kathleen	29.10.2020	Opp, AL	merrick_bank	5	No yearly fees and a lower interest rate than other credit card offers. I was approved for a generous credit line from the start, given some of my credit issues in the past. Payments post in a timely manner. Very pleased.	11
Carolann	21.10.2020	Wickliffe, OH	merrick_bank	1	I do not recommend. They closed my account because they stated that I did not update my address on file! I explained that I had tried several times, but since there were no changes, it would not accept the form. They "claimed" they mailed letters, but never received and stated that it was probably because my address was incorrect. They asked me to verify and SHOCKING, it was all correct on file. I asked if I they would reopen the account, and they said no I could reapply for another card. NEVER AGAIN!!! HORRIBLE!!!	14
Kimberly	17.10.2020	Huntsville, AL	merrick_bank	5	Merrick extended credit to me after having filed bankruptcy. They have helped tremendously in rebuilding my credit. I would recommend them to anyone looking for a good credit card.	9
Andrea	16.10.2020	Dallas, TX	merrick_bank	5	Great customer service and the app is easy to use. Merrick has also been helpful during these difficult times. They don't charge me a late fee when I send in my payment one day late like other credit card companies. They seem to have a more human quality to their company versus a lot of the other credit card companies.	3
Rebecca	15.10.2020	Hershey, PA	merrick_bank	5	Merrick Bank has allowed me to grow my credit score in the right direction and also rewarding me regularly for being a “good” customer! I would definitely recommend this card for someone just starting with credit or trying to rebuild or just improve their credit score!	4
William	15.10.2020	Cincinnati, OH	merrick_bank	5	You gave me an opportunity to rebuild my credit following a very difficult time in my life. You have consistently raised my credit limit over time and I appreciate that. I also love your Android app which allows me to check my balance and schedule payments with ease.	2
Ms	15.10.2020	Charlotte, NC	merrick_bank	5	I have had zero problems working with Merrick. I have made all of my payments on time & every few months I receive a credit limit increase. They have even called ahead before processing transactions that they deem suspicious. I would definitely recommend them to anyone.	4
Angela	8.10.2020	Edminds, WA	merrick_bank	5	I want to thank Merrick Bank for giving me the chance to build my credit score for the better and for giving me a higher credit limit like they promised! I highly recommend them. Thank you so much Merrick Bank!	4
John	29.09.2020	Celina, OH	merrick_bank	2	I would have to say having the loan with them was not a terrible experience. However in three weeks since we pay off our loan we still have not received the title to our travel trailer and they continue to take payments out of our account three weeks after our account was closed in their system. I have to wonder about the integrity of this company and I certainly would not recommend them to others.	13
Surinda	28.09.2020	Wolfforth, TX	merrick_bank	2	I've had this credit card for over a year. There are so many inconsistencies with this company. Don't expect any credit line increases. One of the worst companies I've ever dealt with too numerous to go into to. Do not subscribe to Merrick credit card.	7
Tiffany	21.09.2020	Aurora, CO	merrick_bank	1	I would NOT use this card. I had no issues until the day I needed to file a dispute. Merrick Bank takes a long time to complete the investigation and when the investigation is done the representative told me it's "highly likely the claim will be denied". I was always taught it's safer to use credit cards and not bank cards because in the event fraud occurs the credit card company will be diligent. In my case I ended up ordering a product online. From the time I hit submit I knew something wasn't right.	9
Megan	16.09.2020	Reminderville, OH	merrick_bank	5	I've been very happy with my Merrick Bank Credit Card experience. The application process was easy and my account gets periodic reviews for credit increases. The Merrick Bank Credit Card has helped me build and repair my credit.	5
Theresa	16.09.2020	Houston, TX	merrick_bank	4	Very often, my password is incorrect and the system locks me out. Each time, I had to call the support. They quickly fixed the issue. It is annoying that it seems to lock me out often. However, the support are friendly and helpful.	7
Catrina	26.08.2020	Tazewell, TN	merrick_bank	5	I love that you guys give automatic credit increases without having to ask for it or hurt people's credit to get it. This is truly the best card I have ever had except for the monthly fees. If those went away with time having the card in good standing, it would be the perfect card. ????	4
Richard	19.08.2020	Lewiston, ME	merrick_bank	5	I’ve been very happy with my experience using Merrick Bank. I would and have recommended them to friends and family. They’ve given me the opportunity to have a quality credit card and good credit limit while building credit. Thanks Merrick Bank.	4
Liberty	19.08.2020	South Boardman, MI	merrick_bank	5	I have never encountered an issue that wasn’t addressed and fixed completely to my satisfaction by the end of my call. Merrick has been regularly reviewing my account and offering credit line increases since I’ve had my account. I’ve been able to completely overhaul my credit rating through my Merrick credit account.	3
Edy	15.08.2020	Beachwood, OH	merrick_bank	1	Time for someone to initiate a class action lawsuit against Merrick Bank. Like so many others, I have to send my payment in the day I receive the bill, because they usually do not post it for more than two weeks. When I call to question why they wait so long to post it, they're not sure, but warn that I will be charged a late fee and interest if I don't make a back up payment over the phone, just in case they don't post it. I have excellent credit and pay off my bill each month, yet I've been through this countless times over the years. Can't help but wonder, how much money does Merrick Bank rake in each month by stealing illegal late fees from innocent customers? They need to be held accountable for their crimes.	20
Bilal	14.08.2020	San Leandro, CA	merrick_bank	5	Great customer service interaction, staff very professional and friendly. Always polite and soft spoken. Exceptional customer care. Thanks Merrick bank for all the service you provide kudos to your team members.	4
Anthony	13.08.2020	Memphis, TN	merrick_bank	3	I use this card as tool to help rebuild my credit the rates are very high so having a balance can get costly. They do not help you when in a bind with any emergency credit increases, so don't count on them coming to your rescue like other credit card companies. They told me quickly that they are a secondary credit company and have very limited services that they offer.	9
Kristine	31.07.2020	Festus, MO	merrick_bank	5	I am really big on customer service, whether it is via phone or online chat. I do everything online myself and rarely need help. However when I do need help I expect someone that is courteous, helpful, and knowledgeable. In the past I haven’t had any good experiences. When I verbally spoke with Merrick Customer Service to get help with my account I was thoroughly impressed and the level of knowledge and compassion this guy had! It was so great that I wrote a letter to his boss about how exceptional he was! Merrick right then sold me on their business forever!	9
Shawna	23.07.2020	Willingboro, New Jersey	merrick_bank	5	Easy to use and make payments. Merrick's app works very well for making payments. Easy to read/find menu options. Most everything needed is available on the app. Even your "FICO" score is at your fingertips.	3
Robert	17.07.2020	College Station, TX	merrick_bank	5	I opened a credit account with Merrick while working to improve my credit standing. After several months, I was notified that my limit had been increased! Very happy about that -- means I'm doing things right.	6
Daniel	17.07.2020	Sylmar, CA	merrick_bank	5	Merrick Bank has been a pleasure to deal with. I have a credit card from them. After making six months payments, they extended my credit limit without having to ask. I make my payments online, so it's very easy to deal with them.	3
Suzanne	16.07.2020	Houston, TX	merrick_bank	5	Life happens-and after a nasty divorce I needed to rebuild my credit some. I got the offer from Merrick Bank and was approved. Six months of timely payments and my limit was doubled; just like they promised. Merrick’s customer service has been great and don’t regret the decision at all. Will be keeping this card!	3
Christina	15.07.2020	Cohoes, NY	merrick_bank	5	They have been most helpful in the past, and even raised my limit after 6 months. I cannot beat that anywhere! Customer service has been very courteous and friendly when speaking with them. I would highly recommend them if you need to help get back on your financial feet again.	5
Paul	14.07.2020	Saint David, AZ	merrick_bank	5	I have nothing but great service. I highly recommend. They have giving me the opportunity to rebuild my credit. 24 hour customer service. Favorable credit limits. Easy to use app to pay your bill online fast.	5
Vie	3.07.2020	Lake Worth, FL	merrick_bank	1	Please be aware this bank is all about making money and get rich fast, and no concerns about how much it'll affect the consumers livelihoods. They have no intention of help you if you're going through a financial hardship like the covid 19. They claimed they want to help you establish your credit while they made you sign a lifetime annual fees, interest fees set for a lifetime. Here's what they did to me! I did set up auto-payment they took payment out of my account every month for 2 years. Until, I started to received call from a 1800 collecting payment for Merrick Bank. I thought I was scam. I said to the caller, "Hung up. Let me call the bank myself." Surprisingly, they deactivate my auto paid just to get me to reactivated again, so by the time they already charge me a late fee and reported me to all 3 credit bureau. Regardless, how much I fought with them they wouldn't change their mind because all they care about it's what you sign up for!	11
Linda	18.06.2020	Republic, MO	merrick_bank	2	I have been a member with a Merrick Bank credit card for over 13 years. Recently I discovered through Experian that they closed my account. I called them and explained that my husband had Metastatic Melanoma and passed away and that during this traumatic time and the fog of grief I had failed to use my card. They said they would not reopen my account. I inquired as to why, was I not a good customer? I was a very good customer. Always paid on time, never any late fees and generally paid my balances in full. The end result is I am being punished for the death of my husband because I did not utilize the credit card.	16
Jeffrey	10.06.2020	Laguna Beach, CA	merrick_bank	1	I have had the Merrick Visa credit card for several years. They reduced my credit limit because I had not been using the card. I received no warning or alerts. I just happened to be checking my credit report and my limit was dropped from $4800 to $300. They said they do this just before they close out the account. I was never late with any payments and this was my emergency credit card. They did not give me any warning. If I knew, I would have used the card if I knew they were going to close it. Not a reputable company. Would stay away from this bank!	23
Bill	3.05.2020	Las Vegas, NV	merrick_bank	1	I have several creditors and during this pandemic, all but Merrick have offered deferrals. I called their number to see if I could get a deferral or at least get a late fee removed. After several years of on time payments, I was late by a few days on a single payment. I explained that I’d been out of work for six weeks and would be able to catch up within a few weeks. The operator was short, unhelpful, and distracted by kids and a tv in the background. I paid the bill including the late charge. A few days later I got a letter reminding me how important it was to pay my bills on time and, did I know that late payments would cause me to be reported to the credit bureau. Their empathy was nonexistent.	16
Robert	15.04.2020	Depew, NY	merrick_bank	1	Updated on 05/05/2020: So, as I stated below, 12 days ago I believe, Merrick Bank did reopen my account after they did review the tape to hear that their associate 4 times on the recorded line gave misleading info.. But, they told the BBB that I received misguided info.. So, I've tried for 4,22 hours today after speaking with 4 different depts., and hung up on 3 times, I have decided to pursue other legal actions against Merrick Bank, as they simply refused to do the right thing. As now my credit report has a massive negative mark on it too.	25
Sharon	13.04.2020	Covington, WA	merrick_bank	1	I have a perfect payment record and a zero balance. I had not used the card in a while and I got an alert from my credit monitoring service saying my account had been closed. I called them. They said they had sent me an email. They had not. I have every email they have ever sent me. I logged into the website and I had been sent no alerts. They also said they had sent me a letter via mail and then acknowledged it went to my physical address where I don’t receive mail and that they did have my PO Box number. End result is the account remains closed. I expect better from them and I would not recommend them unless you are planning to charge away for life.	20
Paul	9.04.2020	Plano, TX	merrick_bank	1	I have had a Merrick credit card for over a year but did not use it until March 2020 while traveling. In April, the height of the Covid-18 pandemic, Merrick notified me I had exceeded my limit by $51 and DEMANDED AN ADDITIONAL PAYMENT above and beyond the monthly payment. No big deal, I made the payment. However, it demonstrates what an incredibly out of touch and uncaring organization Merrick is. At a time when most institutions are trying to help their customers, Merrick is demanding additional payments in an effort to boost their revenues. I will not use their card again.	23
Toni	7.04.2020	Oak Park, IL	merrick_bank	1	Have had this card since 2013. Have never made a late payment. Not once. Have never gone over limit or had any issues. Ever. Paid off the card last February. I check it often to make sure there are no fees etc. I have paperless billing. Never a message that Merrick was about to close my account. Got a letter in the mail that my account was closed due to inactivity, but has nothing to do with my credit. Impossible to get a hold of someone. They have the worst customer service ever. Finally get someone on the phone. No help. All they could tell me is that my account could not be reinstated. No further explanation or assistance.	20
John	2.04.2020	Port Saint Lucie, FL	merrick_bank	1	Every time I’ve spoken with an associate, they have been rude, clueless, and disrespectful, including a woman named Lou, and a manager named Andre. I’ve been on hold now for 2 hours on the dot and I’m still on hold.	14
Randy	25.03.2020	Loretto, MN	merrick_bank	1	I have been trying to get Merrick to honor a 150 dollar payment since 3/22/2020 I have explained that I am stuck out of town and that my banks computer system is down due to the Corona virus situation. They have refused to let	16
Jonathan	9.03.2020	Prosper, TX	merrick_bank	1	Merrick credit card was my emergency card they canceled my credit card because of inactivity without warning. I have a credit score in the mid 700s. I've been a customer for years. It's just a crappy thing to do to their customer. Also, there's no way to reinstate it. I'll take my business elsewhere.	27
Alex	3.03.2020	Fresno, CA	merrick_bank	5	I absolutely Love how Merrick raises my credit periodically due to good payment history (even when I have a high balance). Customer service is very helpful and I like the mobile app. Everything is really easy to use.	7
Stefan	3.03.2020	Hickory, NC	merrick_bank	2	Had several increases. Always pay way over limit due. I have Requested lower rate and they refuse to do it. I also notice that when I have paid on their site, they do not record it right away. They wait 3-4 days so the amount they charge for interest is more. I never look at my bill mailed to me. I just know I owe it and have bank send in. This one day I looked and I had paid, over 300.00 in interest in 7 months and highest balance owed was 2500.00 of that. I am working on paying them off. They do not reward you for perfect payments with lower interest rate.	16
Vincent	3.03.2020	Corona, NY	merrick_bank	5	My experience is credit card related. I'm working on building my credit score to well over 700. When Merrick offered and approved me for a credit card my score was in the high 500. Over a year later and with consistent credit increase (without having to ask for one) my current score is 693. I can attribute this to Merrick's excellent customer service.	15
Sharon	3.03.2020	Cincinnati, OH	merrick_bank	5	I have enjoyed being a part of the Merrick Bank consumer group. My concerns are always taken seriously. I have used the card for travel and have had no difficulties. They continue to assist me in learning how to manage me credit score with clear suggestions and answers.	20
Iris	3.03.2020	Cordele, GA	merrick_bank	2	I have been with Merrick for a couple of years now, and even if I have paid on time and have been a good customer my interest rate is way too high. As a matter of fact I am working on getting this paid off and not using it again.	11
Janice	3.03.2020	Clinton Twp, MI	merrick_bank	4	I love Merrick but I am billed monthly for the yearly fee. I was paying off all my cards and paid off both merrick accounts I have and put the cards away in my drawer. I have had 0 late payments in 3 years but missed the monthly annual fee of 3$ over the course of 69 or 90 days which was somewhere around 9$ and it was reported to the credit bureau. I am livid about that. I know it was my oversight but I wish merrick would pull that report back. Charge yearly so people like me that have a 0 balance but have a slip up of a 3$ charge don’t have this issue.	42
Carl	3.03.2020	Brooklyn, NY	merrick_bank	5	I have been with Merrick Bank for a few years now. I also have 11 other credit cards and my Merrick Bank card is one of my favorite. A little higher interest rate than the rest but I have always had good customer service and absolutely no hiccups with my monthly billing. I would definitely recommend Merrick Bank.	17
Nicholas	3.03.2020	Rutland, VT	merrick_bank	2	I like their service and how they review credit and give increases automatically. But I dont like the annual fees and monthly fees! I think once you have been a great customer for over a year paying way more than the minimum balance these fees should go away. Because of these fees I am more than likely closing my account within a month or 2 at the most unless these fees disappear. Thank you.	11
Mario	3.03.2020	Decatur, AL	merrick_bank	4	I got the Merrick Bank credit card offer about 4 years ago. I had never heard of them before and did some researching. It seems that offer 2 different cards, one secured and one that is not. I was going to give 5 stars but took one away after reading some other reviews. I took one star away based on they are closing accounts of long time customers based on no activity without warning them. Lowering their credit tremendously and then finally cut off. Why cut off customers that should be considered as being loyal and has been a great benefit for both the business and the customer.	32
Luis	22.02.2020	Las Vegas, NV	merrick_bank	1	I called to cancel the payment for my secured card but they still billed me for the card. I didn’t have money in my checking account because I keep my money in my savings account. My bank charged me for nsf even though I called to cancel it. Worst part of all is their billing department only opens Mon-Friday. What’s the point of having customer service if I can’t talk to billing on weekends.	12
Bob	20.02.2020	Wagoner, OK	merrick_bank	1	I have found that the Merrick Bank statements are lacking all the information. I would like such as the breakdown of the payment divided showing principal and interest, Plus statements are missing from the website. I have found several statements are missing on the site as well. If I could get my RV financed somewhere else, I would!!!!	13
Danny	10.02.2020	Sandpoint, ID	merrick_bank	5	Merrick Bank has been excellent to work with. Easy web access, fair rates, great credit info and tips, overall great company to deal with. I would recommend Merrick to any of my friends or family members.	5
Patricia	10.02.2020	Zephryhills, FL	merrick_bank	5	I am so thankful that Merrick has been good to me. I was rebuilding my credit and they have helped tremendously with my credit increases. They do show you that you are being a good customer as well. Also, customer service is amazing! Thank you Merrick Bank!	4
Keith	8.02.2020	Shelby Twp, MI	merrick_bank	4	I’d give them 5 stars but I think the yearly fee is high and after being with you guys for 3 years they should waive it. The interest rate the as my other cards without fees so I think they need to rid of it.	6
Russ	8.02.2020	Burnsville, MN	merrick_bank	5	I have had nothing but good experiences with my time spent as a customer. I have been very pleased with the service which has been provided by Merrick Bank Services. I look forward to a long partnership with your bank. Thank You!	4
Barbrett	8.02.2020	Charlotte, NC	merrick_bank	5	I have been with Merrick Bank for over two years. I have been very satisfied with their services and would highly recommend them to my friends and family. I have had at least three to four amount increases, in the short time that I have been with them.	7
Susan	7.02.2020	Flagler Beach, FL	merrick_bank	5	Whenever I need any assistance or have questions about my account or services available to me, the customer service is extremely accommodating and most helpful... it’s a true pleasure to carry the Merrick Bank Credit Card. I feel that I’m honestly a valued customer.	5
Dieuseul	7.02.2020	Lantana, FL	merrick_bank	5	Since I was approved for a credit line on Merrick Bank, I never have any issue, my credit line has been increased 2 times without calling the bank, so I proud to be customer with Merrick Bank and also in the future will recommend someone. Thanks.	7
Kenneth	7.02.2020	North Canton, OH	merrick_bank	5	Merrick has been exceptional for me. They offered me credit when no one else would. Steady increases in my credit limit and absolutely no problems. Would recommend to a friend with no reservations. Thanks for being there for me.	4
L.	4.02.2020	Cornelius, NC	merrick_bank	5	The customer service representative’s name was Treasure and she was so kind and helpful during an extremely stressful situation. She immediately put me at ease and very quickly helped me to a successful solution to my problem. I have rarely used my Merrick Credit card but after this experience I will be a regular user.	3
David	3.02.2020	Galesburg, MI	merrick_bank	4	I was anxious to rebuild my credit after going through Bankruptcy 6 years ago. I was warned about bogus credit offers and sure enough I received several offers in the mail that looked pretty questionable. Merrick was the first credit card company that seemed to look fairly legitimate so I applied and was accepted for a modest credit line. I put the card to use right away with small purchases which I paid off each month and after a year or so they increased my credit line automatically. Later I had some emergency expenses that came up so I carried a balance for awhile but paid it off after about six months. The interest rate I paid was fairly high, but I figured that's what you expect from a starter credit card. I like the online account and payment system which seems to work well. I've never had to call customer service so I can't say anything about that part of it, but overall I've been very happy with Merrick.	29
Rachael	1.02.2020	Hudson, NH	merrick_bank	1	Absolute worst customer service I have ever had in my life. I'm actually debating on canceling this card because they are so ignorant rude and then woman hung up on me because I was not going to jump through hoops and she wanted me to do all kinds of craziness coz I got locked out of my account and I could not understand what this woman was talking about. Absolute worst service ever. I don't even want this card anymore especially is this is how you treat your customers.	11
Bill	27.01.2020	Toms River, NJ	merrick_bank	1	They approve you for fake credit limit. After you pay there annual fee they cancel your account and ruin your credit even more. I called in and everyone is in on the scam. They even tried to make up a security excuse.	8
Michael	22.01.2020	Barboursville, WV	merrick_bank	1	I have had a credit card through Merrick Bank for over 2 1/2 years now. I think it’s ridiculous that there is a $5.00 mo fee. I have never had a late payment. It’s the only card out of 4 I pay a fee on. I called and asked if they would waive the fee and was told no. I would close the card but it would affect my credit so I keep it. Not happy about that. Enjoy my $60.00 a year Merrick bank. Ty.	12
Shante	18.01.2020	Sheffield, AL	merrick_bank	2	Merrick Bank has less than mediocre services. I have this account for 6-8 years, always had fair to good credit, & I’ve only received/offered one credit limit increase. That’s been in the last 90 days after I decided I was going to pay the account off & close it.	6
Philip	15.01.2020	Caldwell, ID	merrick_bank	5	Merrick has treated me as a human being and has had faith in me when others have not. I have kept my end up by making timely payments, and when Merrick reviews my account I can typically expect a credit line increase.	3
leonel	14.01.2020	Valrico, FL	merrick_bank	1	I been so frustrated and aggravated with Merrick credit card company, I been losing thousands of dollars because a flight purchase over internet, I used Merrick credit card to purchase the flight, after the purchase, it was no response from travel agency, about flight information, got nervous and file dispute with the merrick credit card, them a day later. I had some response and some exchange information with the travel agency I drop the dispute. On return flight wife and daughter had to stay extra days in Europe due to the dead of a family member, missing the day of departure, the travel agency recommended to purchase a new flight, and get credit for a lost flight, but in order to get the proper credit, they need an simple letter, from merrick credit card, with an merrick bank stamp and proof that the dispute is closed. But the merrick bank refuses to send the letter, cost me thousands of dollars, I got so frustrated I close the account with this credit card bank.	22
David	8.01.2020	Columbus, OH	merrick_bank	1	Merrick bank had the worst institutional banking policies I've ever encountered. When I would send a payment on my credit card they would purposely withhold the payment until after the due date so that they could add a late fee. It didn't matter if it was a check or money order. They would wait to post it. I sent in payments up to 2 weeks early (before due date), and they would not post it until it was a late date. Their practices are legally questionable. I paid off my debt through a collection agency and they have refused to post it to my credit history. Do not use this banking institution.	24
Deanna	6.01.2020	San Tan Valley, AZ	merrick_bank	1	This company promises to double your credit line after 6 months. I made my payments early and paid the card off early at one point. I called 2 weeks before the credit line increase date and asked for it early since I paid all of payments early. They declined, so my advice is to go with another bank, they don't care about their customers. Credit One is really good, and Capital 1 if you qualify. Avant and Indigo are also good with their customers.	16

Alba

24.04.2021

Worcester, MA

merrick_bank

5

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

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Equillia

24.04.2021

Greensboro, AL

merrick_bank

5

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

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Michael

1.04.2021

Houston, TX

merrick_bank

1

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

8

Elizabeth

31.03.2021

Fredericksburg, VA

merrick_bank

1

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

13

Glen

31.03.2021

Havana, FL

merrick_bank

5

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

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wikelson

30.03.2021

Palm Bay, FL

merrick_bank

1

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

8

Laura

25.03.2021

Brevard, NC

merrick_bank

2

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

8

Christopher

25.03.2021

Akron, OH

merrick_bank

5

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

8

Jeffrey

20.03.2021

Wesley Chapel, FL

merrick_bank

2

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

7

Anthony

18.03.2021

Ellijay, GA

merrick_bank

4

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

2

Ty

18.03.2021

Saint Johnsville, NY

merrick_bank

5

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

2

Margaret

18.03.2021

Belleville, MI

merrick_bank

5

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

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Cathryn

16.03.2021

Lantana, FL

merrick_bank

5

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

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Christine

16.03.2021

Hopedale, MA

merrick_bank

4

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

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Anthony

9.03.2021

Orange, NJ

merrick_bank

2

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

8

Pauline

21.02.2021

Brooklyn, NY

merrick_bank

5

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

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Marcus

20.02.2021

Muskogee, OK

merrick_bank

1

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

12

Destin

8.02.2021

Stone Mountain, GA

merrick_bank

1

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

6

Edward

4.02.2021

North Port, FL

merrick_bank

1

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

13

Kwizera

9.01.2021

Humble, TX

merrick_bank

5

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

9

Valerie

2.01.2021

Greensboro, NC

merrick_bank

5

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

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Carol

1.01.2021

Uniondale, NY

merrick_bank

5

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

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Kiaira

23.12.2020

Newport News, VA

merrick_bank

4

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

2

Brandi

17.12.2020

Philippi, WV

merrick_bank

1

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

5

Tara

10.12.2020

Columbia, MD

merrick_bank

3

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

7

Nancy

2.12.2020

Suisun City, CA

merrick_bank

3

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

8

Dayna

27.11.2020

Pine Grove, CA

merrick_bank

5

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

4

Michael

25.11.2020

Cairo, GA

merrick_bank

3

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

15

Eloy

25.11.2020

Pueblo, CO

merrick_bank

2

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

8

Amber

19.11.2020

Lebanon, IN

merrick_bank

5

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

8

Toni

12.11.2020

Alexandria, VA

merrick_bank

4

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

3

Roy

11.11.2020

Sidney, AR

merrick_bank

2

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

13

Marlene

11.11.2020

Mechanicsburg, PA

merrick_bank

3

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

12

Mary

31.10.2020

Baytown, TX

merrick_bank

5

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

3

Kathleen

29.10.2020

Opp, AL

merrick_bank

5

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

11

Carolann

21.10.2020

Wickliffe, OH

merrick_bank

1

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

14

Kimberly

17.10.2020

Huntsville, AL

merrick_bank

5

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

9

Andrea

16.10.2020

Dallas, TX

merrick_bank

5

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

3

Rebecca

15.10.2020

Hershey, PA

merrick_bank

5

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

4

William

15.10.2020

Cincinnati, OH

merrick_bank

5

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

2

Ms

15.10.2020

Charlotte, NC

merrick_bank

5

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

4

Angela

8.10.2020

Edminds, WA

merrick_bank

5

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

4

John

29.09.2020

Celina, OH

merrick_bank

2

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

13

Surinda

28.09.2020

Wolfforth, TX

merrick_bank

2

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

7

Tiffany

21.09.2020

Aurora, CO

merrick_bank

1

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

9

Megan

16.09.2020

Reminderville, OH

merrick_bank

5

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

5

Theresa

16.09.2020

Houston, TX

merrick_bank

4

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

7

Catrina

26.08.2020

Tazewell, TN

merrick_bank

5

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

4

Richard

19.08.2020

Lewiston, ME

merrick_bank

5

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

4

Liberty

19.08.2020

South Boardman, MI

merrick_bank

5

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

3

Edy

15.08.2020

Beachwood, OH

merrick_bank

1

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

20

Bilal

14.08.2020

San Leandro, CA

merrick_bank

5

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

4

Anthony

13.08.2020

Memphis, TN

merrick_bank

3

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

9

Kristine

31.07.2020

Festus, MO

merrick_bank

5

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

9

Shawna

23.07.2020

Willingboro, New Jersey

merrick_bank

5

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

3

Robert

17.07.2020

College Station, TX

merrick_bank

5

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

6

Daniel

17.07.2020

Sylmar, CA

merrick_bank

5

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

3

Suzanne

16.07.2020

Houston, TX

merrick_bank

5

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

3

Christina

15.07.2020

Cohoes, NY

merrick_bank

5

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

5

Paul

14.07.2020

Saint David, AZ

merrick_bank

5

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

5

Vie

3.07.2020

Lake Worth, FL

merrick_bank

1

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

11

Linda

18.06.2020

Republic, MO

merrick_bank

2

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

16

Jeffrey

10.06.2020

Laguna Beach, CA

merrick_bank

1

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

23

Bill

3.05.2020

Las Vegas, NV

merrick_bank

1

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

16

Robert

15.04.2020

Depew, NY

merrick_bank

1

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

25

Sharon

13.04.2020

Covington, WA

merrick_bank

1

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

20

Paul

9.04.2020

Plano, TX

merrick_bank

1

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

23

Toni

7.04.2020

Oak Park, IL

merrick_bank

1

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

20

John

2.04.2020

Port Saint Lucie, FL

merrick_bank

1

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

14

Randy

25.03.2020

Loretto, MN

merrick_bank

1

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

16

Jonathan

9.03.2020

Prosper, TX

merrick_bank

1

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

27

Alex

3.03.2020

Fresno, CA

merrick_bank

5

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

7

Stefan

3.03.2020

Hickory, NC

merrick_bank

2

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

16

Vincent

3.03.2020

Corona, NY

merrick_bank

5

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

15

Sharon

3.03.2020

Cincinnati, OH

merrick_bank

5

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

20

Iris

3.03.2020

Cordele, GA

merrick_bank

2

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

11

Janice

3.03.2020

Clinton Twp, MI

merrick_bank

4

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

42

Carl

3.03.2020

Brooklyn, NY

merrick_bank

5

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

17

Nicholas

3.03.2020

Rutland, VT

merrick_bank

2

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

11

Mario

3.03.2020

Decatur, AL

merrick_bank

4

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

32

Luis

22.02.2020

Las Vegas, NV

merrick_bank

1

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

12

Bob

20.02.2020

Wagoner, OK

merrick_bank

1

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

13

Danny

10.02.2020

Sandpoint, ID

merrick_bank

5

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

5

Patricia

10.02.2020

Zephryhills, FL

merrick_bank

5

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

4

Keith

8.02.2020

Shelby Twp, MI

merrick_bank

4

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

6

Russ

8.02.2020

Burnsville, MN

merrick_bank

5

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

4

Barbrett

8.02.2020

Charlotte, NC

merrick_bank

5

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

7

Susan

7.02.2020

Flagler Beach, FL

merrick_bank

5

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

5

Dieuseul

7.02.2020

Lantana, FL

merrick_bank

5

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

7

Kenneth

7.02.2020

North Canton, OH

merrick_bank

5

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

4

L.

4.02.2020

Cornelius, NC

merrick_bank

5

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

3

David

3.02.2020

Galesburg, MI

merrick_bank

4

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

29

Rachael

1.02.2020

Hudson, NH

merrick_bank

1

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

11

Bill

27.01.2020

Toms River, NJ

merrick_bank

1

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

8

Michael

22.01.2020

Barboursville, WV

merrick_bank

1

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

12

Shante

18.01.2020

Sheffield, AL

merrick_bank

2

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

6

Philip

15.01.2020

Caldwell, ID

merrick_bank

5

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

3

leonel

14.01.2020

Valrico, FL

merrick_bank

1

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

22

David

8.01.2020

Columbus, OH

merrick_bank

1

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

24

Deanna

6.01.2020

San Tan Valley, AZ

merrick_bank

1

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

16