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Michael

22.12.2018

Keller, TX

merrick_bank

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

DAVID

15.12.2018

Phoenix, AZ

merrick_bank

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

Lonnie

14.12.2018

Mesa, AZ

merrick_bank

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

Michael

14.12.2018

Odenville, AL

merrick_bank

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

Kari

13.12.2018

Yucca Valley, CA

merrick_bank

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

Stephen

13.12.2018

Houston, TX

merrick_bank

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

Alfred

8.12.2018

Port Charlotte, FL

merrick_bank

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

R

7.12.2018

Las Vegas, NV

merrick_bank

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

Alfred

30.11.2018

Bay Shore, NY

merrick_bank

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

Mary

30.11.2018

Fort Collins, CO

merrick_bank

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

Christine

30.11.2018

Brooklyn, NY

merrick_bank

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

Bonnie

29.11.2018

Woodbury, MN

merrick_bank

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

Roxanne

29.11.2018

New York, NY

merrick_bank

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

Tonya

29.11.2018

Weatherford, TX

merrick_bank

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

Donna

26.11.2018

Chicopee, MA

merrick_bank

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

Thomas

22.11.2018

Richmond, VA

merrick_bank

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

Daniel

16.11.2018

Ambia, IN

merrick_bank

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

Deborah

15.11.2018

El Paso, TX

merrick_bank

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

Cody

11.11.2018

Hebron, CT

merrick_bank

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

Anthony

31.10.2018

Lake City, AR

merrick_bank

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

Darlene

30.10.2018

Montrose, CO

merrick_bank

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

Aisha

30.10.2018

Bay Shore, NY

merrick_bank

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

Christopher

30.10.2018

Aurora, CO

merrick_bank

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

Jeremy

29.10.2018

Latour, MO

merrick_bank

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

Serenna

29.10.2018

Vancouver, WA

merrick_bank

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

Clifford

29.10.2018

Jacksonville, FL

merrick_bank

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

Paula

29.10.2018

Lawton, OK

merrick_bank

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

Brent

29.10.2018

Birmingham, MI

merrick_bank

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

Cynthia

28.10.2018

Riegelwood, NC

merrick_bank

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

T.

25.10.2018

Huntley, IL

merrick_bank

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

jessica

24.10.2018

El Paso, TX

merrick_bank

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

Thomas

20.10.2018

Salem, OH

merrick_bank

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

Sonya

13.10.2018

Charlotte, NC

merrick_bank

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

Robert

12.10.2018

Mountain Home, AR

merrick_bank

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

Brent

28.09.2018

Tehama, CA

merrick_bank

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

Maura

28.09.2018

Duarte, CA

merrick_bank

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

Raena

28.09.2018

Astoria, OR

merrick_bank

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

David

28.09.2018

Morgantown, WV

merrick_bank

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

Suzanne

28.09.2018

Milpitas, CA

merrick_bank

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

Deborah

27.09.2018

Queens, NY

merrick_bank

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

Christy

27.09.2018

Rittman, OH

merrick_bank

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

Harry

27.09.2018

Williamsville, NY

merrick_bank

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

Donna

27.09.2018

Dos Palos, CA

merrick_bank

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

Gary

27.09.2018

Saylorsburg, PA

merrick_bank

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

Gerald

27.09.2018

Bakersfield, CA

merrick_bank

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

Toyin

27.09.2018

Riverside, CA

merrick_bank

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

Stephen

27.09.2018

Land O Lakes, FL

merrick_bank

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

Alba

27.09.2018

Nogales, AZ

merrick_bank

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

Troy

26.09.2018

Chandler, AZ

merrick_bank

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

Julian

25.09.2018

New York, NY

merrick_bank

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

Randall

21.09.2018

Chino, CA

merrick_bank

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

Jeannem

16.09.2018

Exmore, VA

merrick_bank

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

Windell

12.09.2018

Winslow, AR

merrick_bank

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

Christi

5.09.2018

Beaufort, SC

merrick_bank

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

Edwin O

4.09.2018

Long Island City, NY

merrick_bank

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

Deborah

2.09.2018

Okeana, OH

merrick_bank

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

Leslie

30.08.2018

Santa Maria, CA

merrick_bank

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

Richard

29.08.2018

Hollister, MO

merrick_bank

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

Alma

29.08.2018

Tucson, AZ

merrick_bank

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

Viola

29.08.2018

Baltimore, MD

merrick_bank

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

James

29.08.2018

Gillett, WI

merrick_bank

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

Mark

29.08.2018

Glennville, GA

merrick_bank

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

Philip

28.08.2018

Hawley, PA

merrick_bank

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

Mike

28.08.2018

Hanover, PA

merrick_bank

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

Grant

28.08.2018

Parsons, TN

merrick_bank

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

Ma

28.08.2018

Lone Tree, CO

merrick_bank

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

Chris

28.08.2018

East Rutherford, NJ

merrick_bank

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

Kenneth

27.08.2018

Glen Allen, VA

merrick_bank

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

Kaci

16.08.2018

Hartford, AL

merrick_bank

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

Scott

5.08.2018

East Haven, CT

merrick_bank

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

Christina

1.08.2018

Buffalo, NY

merrick_bank

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

Adrienne

31.07.2018

Klamath Falls, OR

merrick_bank

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

Shelly

31.07.2018

Tuolumne, CA

merrick_bank

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

David

30.07.2018

Alpharetta, GA

merrick_bank

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

Catina

30.07.2018

Paterson, NJ

merrick_bank

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

Tunesia

30.07.2018

Shererville, IN

merrick_bank

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

Michael

30.07.2018

Cordova, NC

merrick_bank

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

Kimberly

30.07.2018

Charleston, SC

merrick_bank

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

Yanara

30.07.2018

Linden, NJ

merrick_bank

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

Michael

30.07.2018

Bluffton, SC

merrick_bank

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

VPCR

17.07.2018

Tulare, CA

merrick_bank

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

Kenton

12.07.2018

Henderson, NV

merrick_bank

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

Billy

11.07.2018

Wichita Falls, TX

merrick_bank

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

Deneen

9.07.2018

Schaghticoke, NY

merrick_bank

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

James

5.07.2018

Philadelphia, PA

merrick_bank

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

John

27.06.2018

Latrobe, PA

merrick_bank

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

Gerald

10.06.2018

Tucson, AZ

merrick_bank

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

Kelley

6.06.2018

Norman, OK

merrick_bank

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

Rick

5.06.2018

Schaumburg, IL

merrick_bank

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

Luis

5.06.2018

Hyannis, MA

merrick_bank

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

Adam

2.06.2018

Pompano Beach, FL

merrick_bank

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

Joshua

1.06.2018

Palm Bay, FL

merrick_bank

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

Lakisha

1.06.2018

Antioch, CA

merrick_bank

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

Victor

31.05.2018

Katy, TX

merrick_bank

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

Sally

31.05.2018

Sunrise, FL

merrick_bank

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

Sandra

31.05.2018

Eastview, KY

merrick_bank

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

Anthony

31.05.2018

Chicago, IL

merrick_bank

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

Robert

31.05.2018

Des Plaines, IL

merrick_bank

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

Jacqueline

31.05.2018

Valdosta, GA

merrick_bank

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

Henry

31.05.2018

Meriden, CT

merrick_bank

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