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Shirley

4.01.2020

Moon Township, PA

merrick_bank

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

Heidi

3.01.2020

Dunkirk, NY

merrick_bank

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

Vanessa

31.12.2019

Hampton, GA

merrick_bank

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

Myrmetrius

31.12.2019

Charles Town, WV

merrick_bank

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

Blair

25.12.2019

Litchfield, MN

merrick_bank

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

Joseph

23.12.2019

New Baltimore, MI

merrick_bank

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

Carrie

17.12.2019

Yuma, AZ

merrick_bank

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

Michelle

17.12.2019

Independence, MO

merrick_bank

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

Kim

16.12.2019

Lowell, MA

merrick_bank

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

Jane

12.12.2019

Novi, MI

merrick_bank

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

Robert

12.12.2019

Atlanta, GA

merrick_bank

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

James

12.12.2019

Norwood, NY

merrick_bank

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

Scott

8.12.2019

Arlington, TX

merrick_bank

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

Steve

6.12.2019

Louisville, KY

merrick_bank

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

S

6.12.2019

Pittsburgh, PA

merrick_bank

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

Zora

4.12.2019

El Sobrante, CA

merrick_bank

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

Jason

27.11.2019

Mineola, TX

merrick_bank

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

Chris

27.11.2019

Lockport, NY

merrick_bank

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

Edward

27.11.2019

Wabash, IN

merrick_bank

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

Cristy

26.11.2019

Bradenton, FL

merrick_bank

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

Raymond

25.11.2019

Brooklyn, NY

merrick_bank

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

Sheila

23.11.2019

Cumming, GA

merrick_bank

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

Russell

22.11.2019

Phoenix, AZ

merrick_bank

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

Benny

22.11.2019

Waller, TX

merrick_bank

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

Shanon

22.11.2019

Aurora, CO

merrick_bank

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

Peter

22.11.2019

Diamond Bar, CA

merrick_bank

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

Richard

21.11.2019

Rome, NY

merrick_bank

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

Jeff

21.11.2019

Crystal Lake Illinois, IL

merrick_bank

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

Nicholas

9.11.2019

Bandera, TX

merrick_bank

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

Larry

9.11.2019

Miami, AZ

merrick_bank

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

Clarissa

9.11.2019

Aloha, OR

merrick_bank

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

Marilyn

8.11.2019

Dallas, TX

merrick_bank

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

Thomas

2.11.2019

Chestertown, MD

merrick_bank

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

Bradley

1.11.2019

Julian, CA

merrick_bank

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

Clifford

24.10.2019

Max Meadows, VA

merrick_bank

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

Shonnie

23.10.2019

Sulphur, LA

merrick_bank

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

Gregory

23.10.2019

Harriet, AR

merrick_bank

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

Valerie

22.10.2019

Los Angeles, CA

merrick_bank

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

Scott

22.10.2019

San Diego, CA

merrick_bank

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

Peter

22.10.2019

Brunswick, GA

merrick_bank

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

Debra

2.10.2019

Yo, OH

merrick_bank

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

Denis

2.10.2019

Bluffton, SC

merrick_bank

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

Sergey

29.09.2019

Rego Park, NY

merrick_bank

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

Betty

23.09.2019

Aurora, IL

merrick_bank

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

Marsha

20.09.2019

Lafe, AR

merrick_bank

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

Robert

18.09.2019

Tucson, AZ

merrick_bank

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

Francine

18.09.2019

Garnerville, NY

merrick_bank

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

Sherroll

9.09.2019

Blue Springs, MO

merrick_bank

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

Lynn

8.09.2019

Seminole, FL

merrick_bank

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

Catherine

8.09.2019

Hixson, TN

merrick_bank

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

Robert

6.09.2019

Woodstock, NY

merrick_bank

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

Kenneth

5.09.2019

Round Rock, TX

merrick_bank

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

Rick

5.09.2019

Union, KY

merrick_bank

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

Darren

30.08.2019

Charleston, SC

merrick_bank

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

Latonia

29.08.2019

Montgomery, AL

merrick_bank

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

Jennifer

29.08.2019

Pensacola, FL

merrick_bank

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

Melissa

28.08.2019

Nashville, TN

merrick_bank

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

Bobby

28.08.2019

Charlotte, NC

merrick_bank

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

Michael

25.08.2019

Windsor Mill, MD

merrick_bank

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

Jean-Pierre

21.08.2019

Federal Way, WA

merrick_bank

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

Danny

21.08.2019

Maryville, TN

merrick_bank

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

Robin

14.08.2019

Orange, TX

merrick_bank

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

John

14.08.2019

Anchorage, AK

merrick_bank

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

Edward

14.08.2019

Brooklyn Park, MD

merrick_bank

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

Charles

14.08.2019

Largo, FL

merrick_bank

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

David

14.08.2019

Denver, CO

merrick_bank

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

Steph

13.08.2019

Broadway, VA

merrick_bank

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

Antonio

10.08.2019

Indiana, PA

merrick_bank

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

Mark

10.08.2019

Aurora, CO

merrick_bank

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

Shawn

9.08.2019

Pensacola, FL

merrick_bank

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

Lee

9.08.2019

Boca Raton, FL

merrick_bank

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

Samuel

8.08.2019

Jacksonville, FL

merrick_bank

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

Elle

5.08.2019

Lathrop, MO

merrick_bank

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

Erik

3.08.2019

Madrid, IA

merrick_bank

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

Brenda

31.07.2019

New Carlisle, IN

merrick_bank

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

Danielle

29.07.2019

Raleigh, NC

merrick_bank

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

Bre

27.07.2019

Eustis, FL

merrick_bank

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

Frank

26.07.2019

Bedford, OH

merrick_bank

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

Draco

25.07.2019

Findlay, OH

merrick_bank

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

David

24.07.2019

Torrance, CA

merrick_bank

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

Steven

24.07.2019

Jasper, GA

merrick_bank

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

Hanane

24.07.2019

West Roxbury, MA

merrick_bank

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

Gary

24.07.2019

Lewisville, TX

merrick_bank

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

Bettina

24.07.2019

Conway, AR

merrick_bank

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

Johnny

19.07.2019

Venice, FL

merrick_bank

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

Kevin

19.07.2019

Gilbert, AZ

merrick_bank

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

Chuck

19.07.2019

Lenoir, NC

merrick_bank

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

Brian

18.07.2019

The Colony, TX

merrick_bank

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

James

7.07.2019

Powell, OH

merrick_bank

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

Steve

6.07.2019

Minneapolis, MN

merrick_bank

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

Sheldon

4.07.2019

Orlando , FL

merrick_bank

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

matthew

3.07.2019

Meriden, CT

merrick_bank

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

Michael

2.07.2019

West Palm Beach, FL

merrick_bank

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

Gary

2.07.2019

Ormond Beach, FL

merrick_bank

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

J

30.06.2019

Chicago, IL

merrick_bank

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

Bobby

26.06.2019

Orangeburg, SC

merrick_bank

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

Jami

26.06.2019

Bay City, TX

merrick_bank

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

Michael

26.06.2019

Acworth, GA

merrick_bank

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

Bill

19.06.2019

Bradbury, CA

merrick_bank

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

Jill

16.06.2019

Larkspur, CA

merrick_bank

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