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Mike

31.05.2018

Arlington, TX

merrick_bank

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

Ronald

31.05.2018

University Park, IL

merrick_bank

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

Mary

30.05.2018

Woodburn, OR

merrick_bank

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

Danielle

30.05.2018

Stephenville, TX

merrick_bank

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

Sara

30.05.2018

Bartow Fl, FL

merrick_bank

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

Saeed

26.05.2018

Jackson Heights, NY

merrick_bank

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

Casssandra

12.05.2018

Trenton, ME

merrick_bank

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

Christopher

10.05.2018

Hacienda Heights, CA

merrick_bank

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

ALFRED

10.05.2018

Caldwell, ID

merrick_bank

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

Rose

4.05.2018

Ankeny, IA

merrick_bank

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

Alicia

1.05.2018

Orlando, FL

merrick_bank

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

Jean Williams

1.05.2018

Milledgeville, GA

merrick_bank

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

Jeffrey

1.05.2018

Saint Joseph, MO

merrick_bank

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

Joshua

1.05.2018

Aurora, CO

merrick_bank

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

Rosalinda

1.05.2018

Seminole, FL

merrick_bank

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

Betty

1.05.2018

Killeen, TX

merrick_bank

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

John

30.04.2018

Bowie, MD

merrick_bank

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

Terry

30.04.2018

McClure, PA

merrick_bank

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

Miriam

30.04.2018

Tallahassee, FL

merrick_bank

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

Wayne

30.04.2018

Rancho Cucamonga, CA

merrick_bank

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

Astolfo

30.04.2018

Phoenix, AZ

merrick_bank

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

Sharon

30.04.2018

Greensboro, NC

merrick_bank

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

Rebecca

30.04.2018

Fayetteville, AR

merrick_bank

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

Carlos

30.04.2018

Trenton, NJ

merrick_bank

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

Steven

27.04.2018

Leawood, KS

merrick_bank

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

Ronnie

27.04.2018

Kansas City, MO

merrick_bank

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

Ricci

26.04.2018

El Mirage, AZ

merrick_bank

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

Carrie

21.04.2018

Charleston, SC

merrick_bank

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

George

20.04.2018

Atlanta, GA

merrick_bank

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

Rita

13.04.2018

Rowlett, TX

merrick_bank

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

Ron

12.04.2018

Mechanic Station, NJ

merrick_bank

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

Tracy

11.04.2018

Reading, PA

merrick_bank

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

Stephanie

9.04.2018

Cape May Court House, NJ

merrick_bank

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

Deborah

9.04.2018

Fairfax Station, VA

merrick_bank

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

Michelle

27.03.2018

Los Angeles , CA

merrick_bank

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

Erwin

27.03.2018

Lawrenceville, VA

merrick_bank

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

Stephen

25.03.2018

Humble, TX

merrick_bank

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

Tracey

24.03.2018

North Ft Myers, FL

merrick_bank

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

Donna

22.03.2018

Billerica, MA

merrick_bank

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

Tiffany

21.03.2018

Gas City, IN

merrick_bank

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

Jaime

21.03.2018

El Paso, TX

merrick_bank

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

Leslie

21.03.2018

Chicago, IL

merrick_bank

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

Debra

21.03.2018

Bethlehem, PA

merrick_bank

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

Joyce

21.03.2018

Alliance, OH

merrick_bank

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

Caroline

21.03.2018

Springfield, VA

merrick_bank

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

Heather

21.03.2018

Butler, PA

merrick_bank

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

Carol

21.03.2018

Smiths Station, AL

merrick_bank

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

Gary

21.03.2018

Arcadia, FL

merrick_bank

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

Raya

21.03.2018

Rockford, MN

merrick_bank

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

Denise

20.03.2018

Cairo, GA

merrick_bank

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

Suzanne

20.03.2018

Macungie, PA

merrick_bank

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

Thurmond

20.03.2018

Roseville, CA

merrick_bank

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

Carol

20.03.2018

Houston, TX

merrick_bank

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

Kisha

20.03.2018

Dallas, TX

merrick_bank

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

Elder

19.03.2018

Upper Marlboro, MD

merrick_bank

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

Carlton

17.03.2018

Port Saint Lucie, FL

merrick_bank

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

Shanta

11.03.2018

Daphne, AL

merrick_bank

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

Mark

9.03.2018

Fort Lauderdale, FL

merrick_bank

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

Gary

8.03.2018

Scwenksville, PA

merrick_bank

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

Shiekh

7.03.2018

Littlerock, CA

merrick_bank

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

Louanne

2.03.2018

Kettering, OH

merrick_bank

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

Janet

21.02.2018

Kansas City, MO

merrick_bank

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

Francine

20.02.2018

East Pembroke, MA

merrick_bank

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

John

17.02.2018

Summerville, SC

merrick_bank

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

Wendy

17.02.2018

Rootsown, OH

merrick_bank

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

Tanya

15.02.2018

Bullhead City, AZ

merrick_bank

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

Ray

13.02.2018

Colorado Springs, CO

merrick_bank

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

Jasper

13.02.2018

St. Louis, MO

merrick_bank

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

Gayle

5.02.2018

Clearwater, FL

merrick_bank

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

Talithia

4.02.2018

Riverdale, GA

merrick_bank

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

Gina

3.02.2018

Scranton, PA

merrick_bank

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

Brian

1.02.2018

Sacramento, CA

merrick_bank

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

Sean

1.02.2018

Raleigh, NC

merrick_bank

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

Herbert

1.02.2018

The Woodlands, TX

merrick_bank

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

Jim

1.02.2018

Quakertown, PA

merrick_bank

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

Lorren

1.02.2018

Beltsville, MD

merrick_bank

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

Teresa

14.01.2018

Searcy, AR

merrick_bank

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

Katrinna

10.01.2018

Yeadon, PA

merrick_bank

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

John

10.01.2018

Toccoa, GA

merrick_bank

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

Doris

5.01.2018

Crete, IL

merrick_bank

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

Lawrence

3.01.2018

Highland Park, NJ

merrick_bank

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

Brenda

1.01.2018

Anaheim, CA

merrick_bank

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

Mark

31.12.2017

Panama, IL

merrick_bank

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

Roger

31.12.2017

Pomona, CA

merrick_bank

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

Jon

30.12.2017

Hyannis, MA

merrick_bank

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

Florence

30.12.2017

Merrillville, IN

merrick_bank

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

John

30.12.2017

Hanover, PA

merrick_bank

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

Yvette

29.12.2017

New York, NY

merrick_bank

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

Erica

29.12.2017

Loveland, CO

merrick_bank

I have been very impressed with the Merrick Bank credit card. Their customer service is always stellar and the way that they calculate fees, etc is fair and keeps their customers in mind. I would highly recommend this company to my friends.

Herb

29.12.2017

Chester, VA

merrick_bank

I have been with Merrick for about 8 months and one of the reasons I signed up is because of the double your credit line. Well after 7 statements and on time payments as promise. My credit line was double. In addition they process payments fast.

Frank

29.12.2017

Albany, OR

merrick_bank

The first time I used this card to make a purchase and the credit card company fails to notify me of my payment date or send a bill. However, the company was very good about sending me a late payment reminder. Very poor performance! I will be paying off my balance and closing this account.

William

29.12.2017

Jefferson City, MO

merrick_bank

I’ve had my account for about 8 months. I have no complaints!! Merrick said, "Pay on time, establish a reliable, consistent payment record, and we’ll reward you." I did, and they did. Be an adult, be responsible, and you’ll be treated accordingly. I have no problems with how Merrick has dealt with me, and you shouldn’t either.

James

28.12.2017

London, KY

merrick_bank

I have nothing bad to say about Merrick bank. They have treated me better than I ever been treated by this type of industry. I would recommend them to everyone that is looking for a great experience. I almost have an unnatural affection for them.

Steven

28.12.2017

New York, NY

merrick_bank

My account was opened two-three years ago with a $400 credit limit. After aggressive use and payments, in only a few months, Merrick increased the credit limit to $700 and then $1,400 after only a few more months had elapsed. Since then, I've been granted three more $200 increases on regular intervals and the limit is $2,000 today. Great. On the other hand, this account is the single and only revolving account I maintain - considering more than 15 relationships where my payment in full within the new cycle failed to qualify me for interest-free standing.

Amanda

28.12.2017

The Dalles, OR

merrick_bank

The best feature of my Merrick credit card was the credit limit doubled after I made a certain number of payments on time. I liked that very much. And I like being able to pay my bill with my phone. It's just very easy and valuable features I like to have in credit cards.

Alan

28.12.2017

Bismarck, ND

merrick_bank

It is easy to get to my account and view the statements. I wish it was easier to see transactions as I don't have Office on my laptop. I really appreciate the fact that my payments post very quickly and that my available credit is increased right away. I am going to quit using a Capital 1 card because it takes over a week for my payments to post.

Sandra

19.12.2017

Cape Coral, FL

merrick_bank

Merrick was the card I was able to rebuilt my credit with. They reviewed my account 2 times ahead and gave me $500 credit line increases each time. I have built my credit line with them as high as any of my major credit cards now. They do exactly as they promise and review your account every 6 months without you even having to ask for an increase. I wish they had more credit cards.

Daniel

17.12.2017

Valrico, FL

merrick_bank

I agree like so many others I send my payments in 2 weeks before they're due and Merrick Bank has taken over 20 day past the due date to cash my checks. Then they charge the fee's and they say you're late and we didn't get your check on time. I have went to the post office and took a date and time stamp photo of myself mailing their payment. Well 15 day's over the due date they again cash the check and charged the fees. I told them that I have copies of the date on my checks and they match the date I mailed them and the photos. They just keep saying you were late getting the payment to us. IT'S TIME FOR EVERYONE TO STAND UP AGAINST THIS PRACTICE AND SEEK LEGAL HELP! If someone know an attorney who would like to represent us in a class action suit. Post it so we can all sign up.

Crystal

12.12.2017

Horse Shoe, NC

merrick_bank

From the very beginning Merrick Bank continued to ask me for information I'd already sent. When I finally got the loan, they wouldn't let me pay over the phone without a routing number and bank number. Sure, a company reserves the right not to take Visa Debit or Credit, but it is not in the best interests of their customers AT ALL. It jeopardizes the security of people info and leaves us vulnerable to identity theft. In addition, they charge people $10 for every phone payment they make and STILL refuse Visa Debit. So I decided to mail my payment. Which was never received and I was harassed by their people calling consistently to get a payment then told that their processing dept was behind. Not my problem but evidently they felt it appropriate to make it mine.

Sonia

11.12.2017

Houston, TX

merrick_bank

I must say - I am impressed and very pleased. My score was about 620 (give or take a few) when I received an invitation in the mail from Merrick Bank. I went online and was approved for $700, as the letter stated. I used it sparingly, and paid each balance down before the due date. In 7 months, the Credit Limit doubled on its own - no action required on my point. I knew about the increase when I received a credit alert from Credit Karma in my email.