TrainingDataPro/customers-reviews-on-banks

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Patricia	7.07.2017	Dickinson, TX	merrick_bank	1	I received a pre-screen for a Merrick credit card and did quick online approval and was approved. I received card in the mail and NEVER used card, and was sent 1st bill for $155!! Annual fee and some other fee that was deducted from credit limit. It is as though you are paying for a credit card! I did not pay it and contacted them to cancel card and that I hadn't used it and didn't want it. They did… and reported to credit bureau! Now, I have negative mark on my credit for card I never used. I owe them for accepting (which I won't ever pay) on my credit! Be careful when accepting this high interest!	48
Kevin	6.07.2017	Columbus, OH	merrick_bank	1	This place is a scam. How you gonna charge 100 to activate but then tell me I need to pay 15 just to speak with a representative. Then said rep tells you that the only way to make a payment is through my direct routing like gym memberships because you know there is no way to cancel a direct draw, but wanna be like "it's the bank's policy not ours" right...	39
John	4.07.2017	Mount Laurel, NJ	merrick_bank	5	Made bad decisions with my credit in the past and tried to rebuild with other companies. Merrick Bank accepted my application and has been great. Easy online payment arrangements. Would definitely recommend.	20
Janet	30.06.2017	Williamsburg, VA	merrick_bank	5	I am a new participant with Merrick Bank and I have been very satisfied with their explanations of their programs and expectations. I look forward to a long and satisfactory future with this institution.	14
Cheryle	30.06.2017	Grass Valley, CA	merrick_bank	5	I have had a credit card with Merrick Bank for many years. Every time I have had conversation with their customer service people, they have all been knowledgeable, helpful and extremely polite. Merrick Bank does account review on a regular basis, which is very nice as that means I don't have to call and ask. Overall a great company with whom I am very pleased. Thank you!	23
Antoinette	29.06.2017	Seaford, NY	merrick_bank	3	I guess I must be stupid. Every time I go to pay online I must forget to submit and wind up with a late fee. I write the payment on the bill but it doesn't go through. I WAS VERY CAREFUL THIS LAST TIME AND GOT A CONFIRMATION #.	29
Beth	28.06.2017	Mt Pocono, PA	merrick_bank	4	I feel secure with this card. Fair and kept their promises of credit limit increases. Card always works. Easy access on phone. (I have not tried anything online.) I wish the interest rate was lower. That is the only factor that keeps me from recommending Merrick to friends.	24
Christine	28.06.2017	Bremerton, WA	merrick_bank	5	Merrick Bank is great. With the monthly reminders, it is easy to pay your bill online. They also offer paperless billing. They give me plenty of notice when my bill is due so I avoid any late fees. I haven't had any issues with my account or card. It's awesome.	18
Stephen	28.06.2017	Yukon, OK	merrick_bank	5	I've only been a customer of Merrick for about a year now but have nothing but positive dealings with them! They have kept me quite informed of my account and every transaction has been seamless. Their mobile app works well without a bunch of extra frills and is quite easy to use! Highly recommend this establishment!	15
Diane	28.06.2017	Stone Mountain, GA	merrick_bank	5	Merrick Bank has been simply a great relationship for me as a credit card holder rebuilding my credit. I initially heard about Merrick and just applied on their website with quick easy application. And a rapid response to extend the new Visa card. The credit limit is light, and increases are periodic with no requirements from me. G payment processes, great customer service.	12
Deborah	28.06.2017	Katy, TX	merrick_bank	4	I've never had any issues with the card or the company. I called once and my questions were answered. I only have one minor issue that customers were able to change the pin for the card to something that they could remember, rather than the one that was assigned.	10
Towanna	28.06.2017	Jacksonville, FL	merrick_bank	5	I use it to rent a car to go visit my son in college. I love this card. I love when I get an increase it comes in right on time. This card is what I needed. A major credit card. Thank you so much for giving me this opportunity.	18
Frederick	28.06.2017	Indianapolis, IN	merrick_bank	4	Your service representatives are always friendly and treat me more like a friend than a customer. It's always a pleasure to talk to them. Thank you for making me feel like a valued customer instead of a number.	11
Teena	27.06.2017	Santa Fe, NM	merrick_bank	5	I have been working on reestablishing my credit after years dealing with IRS tax liens and a derogatory credit history. I was offered a Merrick Visa credit card with a higher limit than what I have received from other credit card companies. Of course it has a high-interest rate but is comparable to others considering my existing credit score. I did some reviews online and chose to accept the credit card based on the fact that there were no annual fees, the higher credit limit offered and the opportunity to have my credit limit increased substantially in 6 months. I have not received my card yet but look forward to a positive experience and I will update my review as time passes.	7
Alexis	27.06.2017	Baltimore, MD	merrick_bank	4	I have no complaints about Merrick Bank outside of their rates being a little too high for on time paying customers such as myself. It would be nice if they provided a rate decrease when they provide credit increases.	12
Nathan	27.06.2017	Bradenton, FL	merrick_bank	4	Was a fair card company, if you pay your bill they will even give you promotions. Its a great card for someone rebuilding their credit. Paying over the phone was an easy process if you are like me and not a fan of paying bills online.	7
Julie	27.06.2017	Tacoma, WA	merrick_bank	5	I was provided with credit after unexpected circumstances caused my excellent credit to drop down to fair. I pay my bills on time and have worked in the same profession for 20 years. When unfortunate life experiences occur, they trusted me.	11
Virginia	27.06.2017	La Canada Flintridge, CA	merrick_bank	5	Merrick Bank has been great, with all service and information. They have periodically increased my credit limit without me having to ask and have been most helpful in accurate charges and payments. Excellent customer service, answered any or all my questions without a long wait. I give Merrick bank an excellent rating and have recommended their services. Sincerely, Virginia ** an old lady you have helped.	12
Kathleen	27.06.2017	Albany, NY	merrick_bank	5	I have to say that my entire experience with Merrick Bank to date has been excellent. Website is easy to work with and understand. My few calls to customer service were a pleasure and my questions resolved quickly. Thank you.	11
Krystal	26.06.2017	Everett, WA	merrick_bank	5	Thus far - close to a year - my relationship with Merrick Bank as a Credit Card Customer has been simple, straightforward, and helped me to continue to build my credit. My credit line doubled after so many monthly payments on time as promised - and the rare accounts I have had to interact with CS they have been polite and helpful.	9
Lucky	26.06.2017	Polson, MT	merrick_bank	3	The problem for me in using the card I have is I do not have a means of being able to do online payments when purchases are made so I have held off using it. Do not have a userID or a Password setup online so that I can make payments once the card is used. No customer contact info or phone that I have seen up on the web page. Would indeed be of great help so I could use my credit card with your company.	10
Dean	26.06.2017	Sioux City, IA	merrick_bank	1	I paid my payment 2 days before it was due. Merrick did not process this until 3 days later. Then, they hit me with a late fee. The lady I called did not want to help at all and was rather rude to me. So, I called back and spoke with a Justin and he took care of all of it for me (which should have been done in the first place). I'm rather dissatisfied with Merrick Bank.	27
Shema	17.06.2017	Jacksonville, FL	merrick_bank	2	I send my payments every two weeks to keep a zero or low balance. I use Bill Pay through my bank. It takes Merrick 5-7 business days to get and process my payment. I called and asked if they are set up electronically. The guy assured me yes. So I set up Bill pay on my other two bank accounts and same thing. I need my payments credited the next business day like my Capital One card. I have had the card for 3 months and closing it as their snail of a payment posting process is complete.	21
Susan	13.06.2017	Gun Barrel City, TX	merrick_bank	1	I was fine with Merrick. I paid my card off every month. Then I was in an accident herniated disc x2 and dislocated shoulder and pivots out of the ball of my other shoulder. 8 broken ribs and two broken wrist. I entered a credit protection type of program. They told me they wouldn't charge interest, they always did. I told them I couldn't work. They have no real credit protection program like other cards do. I was told I had to make monthly payments and all I said was I could try but I don’t know if I can.	25
Joshua	13.06.2017	Canton, OH	merrick_bank	1	Dispute process is impossible to win. I've been had by a scam and they got my money in the end. It took months for me to finally just give up and hand over about 5 hours of my work week. I miss Discover Card.	15
Martha	12.06.2017	Provo, UT	merrick_bank	1	I received a letter from Merrick Bank today where they had close credit card account because I hadn't used credit card. I called their customer service department and they place me on hold for long periods of time waiting for a Supervisor to answer the phone. I find it ridiculous that Merrick Bank wants to tell the customer when you should the credit card and if you do not they close the account. The customer service representative said that they do this all the time. They decide and they do this to many people all the time. Sound like this Bank will be out of service in no time due to the lack of professionalism.	21
Michael	11.06.2017	Wethersfield, CT	merrick_bank	5	Merrick did what they said they would. After 6 consecutive payments they doubled my loc. Didn't have to ask for it they just did it. They are helping me rebuild my credit after hitting a rough patch for a while.	13
Becky	9.06.2017	New Braunfes, TX	merrick_bank	1	I was pre-approved according to what I received in the mail. (I didn't wait weeks or months to respond to the "offer".) I double and triple checked the fine print. Go through the process to claim my card and was declined. So thanks for an additional hit to my credit score because of an inquiry. If you're going to approve someone then and only then should you send them a pre-approval. Otherwise, it should just be a "if you're interested in this card, please see apply to see if you qualify" like all the rest of them. It's a really crappy way to do business.	42
Just Me	7.06.2017	Dayton, OH	merrick_bank	3	I did receive my first increase as promised. I've had this card for 14 months and have not received another increase. I was told after the first increase I would receive another one 10 months later if I paid on time. I've never missed a payment, nor have I been late. 11 months later, still no increase. I called and inquired about it and the lady was rude! I've talked to them before and had no problem, but this lady was a peach!	26
Katrina	3.06.2017	Santa Rosa, CA	merrick_bank	5	Out of all credit card companies I've dealt with, Merrick Bank by far has been the easiest to deal with. No hidden fees and I appreciate the credit score feature. Online system is great to use. Happy so far.	13
Charles	1.06.2017	Birmingham, AL	merrick_bank	5	I'm very satisfied with all the things that make Merrick my credit card of choice, such as no annual or hidden fees, a great way to rebuild my credit score and the issue free transactions. I recommend Merrick to all my friends and family! Thanks for the ease of navigating Merrick's website.	7
Quinton	1.06.2017	Saint Petersburg, FL	merrick_bank	1	I have been a customer of Merrick Bank. and I feel that it is my duty to pass on my experience with this bank. I am a senior citizen, living on a fixed income. Both my wife and I are retired. Because of birthdays, we do not receive our money until the third and fourth Wednesday of each month. When the account was set up they set the due date at the 20th of the month. Which always put us as late due to when our money comes in. So I called and asked for a change in the due date to the 4th of the month, so that we would be paying early, instead of late, depending on when our second check arrived.	53
Vasiliki	31.05.2017	Plymouth, MA	merrick_bank	1	Merrick Bank gave my roommate a line of credit under my name. I looked up my credit report and saw a maxed out Merrick Credit Card. I knew I never applied/nor did I have possession of this credit card. I called the company and gave my information in hopes to gain access to purchases on the account in order to find who opened account. They verified my info to the account, except the address and phone number was incorrect. I took a shot and gave my roommate's work address and cell phone and sure enough it was verified. I asked Merrick how this could happen? The agent explained to me that I was sent a pre-approval in the mail and my roommate must have filled it out and was approved. Here's the kicker, my roommate is a guy. I asked how they could miss the fact that a guy was applying under my information whom is a female. They explained they do not process applications over the phone... EVER. It's mail in only!!!!	37
William	30.05.2017	Center, TX	merrick_bank	3	I haven't had any terrible experience with Merrick Bank. They kept their promises and I am thankful for that. I just hope at some point they may offer cash back or a lower interest rate. I am considering dropping their card, keeping my Capital One rewards card. We'll see.	19
Julia	29.05.2017	Brooksville, FL	merrick_bank	5	Excellent services offered by Merrick Bank. Very easy to deal with. Any time that I spoke with anyone in customer service they were very professional and first class. They offer no fee foreign transactions which is great when traveling! Would recommend to my friends!	4
Margaret	26.05.2017	Ithaca, NY	merrick_bank	4	I have been a customer with Merrick Bank for most a year and my experience has been a good one. If I could improve one thing it would be ease of use of their site and finding your debits and credits. The one time I needed customer service they were helpful and professional.	4
Jan-Marie	26.05.2017	Melbourne, FL	merrick_bank	4	Though my interest rate is high, I have no problems with my card. Their app is extremely user-friendly, I am rewarded for my loyalty with increased spending power, & their customer service team is polite & professional.	8
Megal	26.05.2017	San Diego, CA	merrick_bank	5	The server's has truly been outstanding. Dealing with Merrick Bank has been the best experience of my life. The bank is always on time. Even though I speak to a machine when I call it's always productive. Thank you so much and I will recommend you to all my friends.	4
Merlin	25.05.2017	Luverne, MN	merrick_bank	5	I like that I am rewarded for paying on time by getting increase in my credit limit, but I don't like being charged a fee for you to raise my credit so you can make more monies on my using my new amount of credit. Just like another hidden fee.	17
Connie	25.05.2017	Jackson, MS	merrick_bank	5	Pleased with the quick automated service, response time is good. Account info is easy to access. Have not experience any problems. Was not familiar with Merrick originally and I have recommended it to other associates and friends. Liked getting an increase in a short period of time without making a request.	7
Mark	25.05.2017	White Bear Lake, MN	merrick_bank	5	I'm quite happy with the relationship I have with Merrick Bank. The terms are reasonable enough, the payment is easy enough. They have increased my limit on occasion in keeping with needs. I'm sure they were instrumental in the rebuilding of my credit.	9
Alfred	25.05.2017	North Ft Myers, FL	merrick_bank	5	I am very pleased with all aspects of Merrick Bank. The webpage is very easy to navigate. My account limit has been raised in a timely manner. My only suggestion would be to send some checks to transfer funds. Thank you for asking for my feedback.	8
Valerie	25.05.2017	Berlin, NJ	merrick_bank	5	We have had this card now for a few years, it is a pleasure to business with Merrick. As we pay our bill on time we receive increases in our spending ability, which helps in our credit score. We have recommended Merrick to many friends and family.	10
Laura	25.05.2017	Cottonwood, CA	merrick_bank	5	I have had real good luck with this card and Merrick Bank in general. I've been trying to bring my credit up and they are helping me in my quest to improve my credit for any future purchases I might make. They have been increasing my limit frequently it seems but it makes me feel good about how I'm doing. Thank you Merrick Bank.	7
Lucian	25.05.2017	Olean, NY	merrick_bank	2	On the 20th and 21st of May there was 2 unauthorized purchases made on the PSN network. The PSN networked claimed it would take 3 months to refund my money back on my card. I feel that this is inexcusable. It was a unauthorized purchase that had nothing to do with me. The best they could do is give me a PSN credit. Which means I still have to pay the 200 dollars on my card.	21
Mary	25.05.2017	Morgan City, LA	merrick_bank	5	Merrick Bank notified me immediately when someone tried to use my card to purchase $1500 in Walmart gift cards. I had my card in my possession and no idea how someone got my card number. I was very grateful. Excellent customer service!	10
Cody	25.05.2017	Tucson, AZ	merrick_bank	5	Great for re-establishing credit. Merrick Bank has helped me restore my credit score. They have generously extended credit before anyone else has. I have found their customer support staff to be friendly and courteous.	11
Richard	24.05.2017	Lake Villa, IL	merrick_bank	5	Merrick has a program that doesn't punish people who need to rebuild their credit. Their fees are fair and the credit line increase after so many months of responsibly paying your bills goes a long way to repairing your credit score. Compare the terms, I had offers from companies with logos that look like major card companies and their monthly fees were outrageous even if you didn't use the card that month.	6
Mark	24.05.2017	Springfield, MO	merrick_bank	5	I had never heard of Merrick Bank before they sent me an offer to apply for a credit card. But my experience with this bank since has been nothing less than great. The have done exactly what they promised and my credit score has improved because of my relationship with Merrick! I would highly recommend them to others.	9
Angela	24.05.2017	Lakewood, WA	merrick_bank	5	I been with Merrick Bank for awhile now. I have no complaints and always have had a great experience with them. Their services are exceptional and enjoy the credit increases I receive. I would recommend Merrick Bank to everyone, they have been nothing but great for me and I'm sure they would be for anyone that is with them.	3
Renee	24.05.2017	Windsor, VA	merrick_bank	5	I have not had any problems with Merrick's customer service. I have been with them for a couple of years now and they always give me credit limit increases, every four to six months. I don't have problems with them calling me to make a payment if I am late. I don't have any issues with Merrick Bank they have become one of my favorite cards to use.	7
Dan	24.05.2017	Las Vegas, NV	merrick_bank	3	I am satisfied with my experience, Merrick has everything you would expect online. Not overly fancy (which is a good thing) or complex websites. Everything is simple and straightforward and for a busy professional that is exactly what I need. No frills, no fuss, only the info that I need.	8
Sandra	24.05.2017	Bentleyville, PA	merrick_bank	5	Very fair and accurate at explaining conditions of the agreement. Easy access by e-mail, mail and phone. As always when customer behaves responsibly, Merrick response favorably. Would highly recommend them to family or friends.	5
Robert	24.05.2017	Waveland, MS	merrick_bank	5	I would for sure recommend it to a friend, they have been excellent to me. They helped me to rebuild my credit along with giving me options on paying bills and payments. Thanks to them I increased my credit score.	5
Gregory	24.05.2017	Brighton, MI	merrick_bank	1	I think it is ridiculous to charge a $3 fee every month, which forces me to make sure I pay this bill every month even though I do not use my credit card. Either charge an annual fee or allow me pay more than $3, so that I have a credit on my account to cover future months. It's like you do this so that you can trick your customers into missing a payment and then you can charge them a late fee. Terrible. Ready to cancel my account!	36
John	24.05.2017	Eastland, TX	merrick_bank	5	Anytime I have had an issue "and there have been very few, even then they were small" your customer service people were professional, attentive, and handled my issue on the spot. Could not be happier, thanks.	5
Kimberly	24.05.2017	Upper Marlboro, MD	merrick_bank	2	I submitted a dispute to Merrick. I was not given all the information I needed in order for the dispute to move forward when I initially called. I called back a second time to check the dispute status. Only then was I told I needed more information.	18
Jeni	13.05.2017	Clinton, IA	merrick_bank	1	I fell on hard times. Was making payments, but had late fees. That's was killing me. So I called, they said I pay $207 and they would get rid of late fees. So I set the payment up. I got a letter in the mail from my bank saying the payment was returned because the agent I talked to put the money to be taken out of the wrong account. I have two accounts on file. I know I told her what account to take the payment out of and she picked the wrong one. So I called and told them what account to take the payment out of and they did went through no problem.	40
venus	12.05.2017	New York, NY	merrick_bank	1	Take a deep breath before I go in on this wretched ass bank. These rip-off consumer snake ass idiots are so damn disgusting to the point they should not be in business. I have caught these idiots in so many lies until I honestly think they all are regular riders on that short yellow school bus. If you are trying to pay off their high interest visa card, they will find some grimy way to get extra money out of you with their famous "late payment" scheme. I have proven every single time that my payment was not late and that their lazy workers continue on processing the payment late to make it late not that it was received late.	52
Dave	11.05.2017	San Francisco, CA	merrick_bank	1	A few years ago my wife passed from Pancreatic cancer and I have been raising 2 kids by myself ever since. Due to medical bills and the general hardship of the situation my credit dropped significantly. I decided to try and use the Merrick Bank card to help rebuild my credit. In theory you pay on time for 6 months and they raise your limit. I paid on time every month but when it came time for the 6th their archaic website wasn't working for 4 days right as my payment came due. I called for assistance and they said they were also experiencing technical issues and to keep trying. In the end I paid before the late date but they posted one day late. I tried to get them to leave the late mark since it was due to their technical difficulties but they refused.	42
Mhamad	3.05.2017	Falls Church, VA	merrick_bank	1	I was one of the account holders with Merrick Bank Visa card (Platinum) for some time, never missed payment, used their card responsibly. I was out of states for several months, after coming back today I called Merrick bank to get up to date APR info and increased line, and I was surprised to hear that they closed my account. I asked why it was closed. They stated that there was no activity and that is closed. Some of you may not know when this kind of account closing happens that affects your credit big time. So be careful dealing with this bank. THIS BANK WILL MESS YOUR CREDIT. THINK TWICE BEFORE APPLYING CARD WITH THIS BANK. I am not worried their damn card but I am worried about my credit.	46
Mike	2.05.2017	Phoenix, AZ	merrick_bank	2	I've been with Merrick about two years. I recently called to try and get a lower interest rate. They said they never negotiate interest rates and if I wish to close the account that was okay. They did absolutely nothing to try and keep me as a cardholder.	34
Stacy	2.05.2017	Los Angleles, CA	merrick_bank	1	Because I didn't use my credit card for sometime MERRICK sent me a letter saying they were reducing the credit limit and also in the next thirty days the account would be closed. So Merrick Bank Credit Card Services is penalizing me, a person who has worked hard to re-establish credit and has done a good job at it, for not using credit to their standards. I wanted to keep that card to use in case of an emergency but instead, because I had a zero balance and hadn't used, MERRICK reduced the credit amount and then at the same time in the same letter they indicated the closing of the account in 30 days.	null
Mary	1.05.2017	Rocky Mount, NC	merrick_bank	5	Merrick Bank provides professional, friendly, informative, uncomplicated, quality, and helpful service that help me as I pursue my professional and family life. If I need help with finances I can go to their website and find answers to make my life easier. The website is easy to access and navigate through, plus, if I have questions about my account I get fast and quality help. I can also help my son who is a veteran as he pursues school and a career in another state. Thanks to my Merrick Bank card and its easy access. I would refer my friends and family to Merrick Bank. Thanks a lot for the professional and quality care!	10
Carolyn	30.04.2017	Encinitas, CA	merrick_bank	5	I went through a divorce in a long term marriage where we owned a business. I did not get the business, so had to be released from any liability through BKCY. My credit was shot! Merrick was the only bank that would give me a credit card. I started with a $200 limit, but the goal was to prove I was financially responsible. No hidden fees or startup fees. I paid on time every month, paying off the balance. I'm now at a $2000 limit and have been encouraged along the way with every increase, which matches increases in my credit score, which is now, three years later, is in the excellent range. Being a financially responsible woman, it was hard to suddenly be seen as a poor credit risk, but Merrick helped me reestablish credit. Thankful!	25
Gail	28.04.2017	Newport News, VA	merrick_bank	5	I've had nothing but a pleasant experience with Merrick Bank. Paying my bill is very simple using their website period. They've always been very fair about raising my credit limit regularly. I don't really know what else I can say except they're very good company.	15
Stephen	28.04.2017	Kelseyville, CA	merrick_bank	4	Merrick Bank has a good card, reasonable interest rates (although I don't carry a balance). I only have one complaint, their website is very dated feeling, it's like a site one would have used in the late 90's or early 2000's. I would like to point out that the site does have all the features necessary to view statements, transactions, and complete payments, it's just antiquated feeling. I think an upgrade would be beneficial to both the bank and the consumer, also, offering 2 factor authentication would provide another layer of security.	10
Lavonne	28.04.2017	Denver, IA	merrick_bank	5	Merrick has been an outstanding credit card. I have been rewarded for paying on time and they are a secure card. I have been able to travel with security and know that my card is protected using the chip technology.	9
Sheila	28.04.2017	Concord, NH	merrick_bank	3	So far everything is great. But I downloaded the app for my iPhone. And after about a week it stopped working. I called and the man said it was being worked on. And still it do not work on my iPhone. I have to log into the full site to view my account.	14
Robert	28.04.2017	Greenwood, SC	merrick_bank	5	About a year ago, I opened a credit card account with Merrick Bank. The application process was easy, and my experience using my account and accessing it online and via the app has been awesome. After six months or so, I have already received my first credit limit increase. I would highly recommend Merrick Bank to others!	15
Daniel	27.04.2017	Corning, OH	merrick_bank	5	Has been a great asset in rebuilding my credit. Couldn't get approved for other cards so "settled" with Merrick. After less than a year my credit line has increased quite a few times and each time has also raised my credit score. Interest is competitive with other cards at my current score.	14
Roberta	27.04.2017	St Petersburg, FL	merrick_bank	5	My experience with Merrick has been very professional. At an event in Detroit - one of your representative called to let me know about charges on my account that was suspicious. Hotel was contacted the charges were reversed. Thanks for the call	13
Renee	27.04.2017	Philadelphia, PA	merrick_bank	5	My experiences in dealing with Merrick Bank is truly great, no problems. More than enough time to make payments on your credit card. Informative as to any policy changes. Their site is easy to manage and accurate. I have really enjoyed dealing with a great institution. Thank you.	6
Lauren	27.04.2017	Reynoldsburg, OH	merrick_bank	4	Merrick was one of the first institutions to offer me credit as I rebuilt my credit. Their online tools are great for setting up payments and they offer great credit alert features. They also care about your maintaining good credit by offering your credit score for free. As my credit has gotten better Merrick has rewarded me with higher credit limits without a request. Great credit services. Everything you could ask for.	5
Ray	27.04.2017	Watertown, SD	merrick_bank	5	Very pleased with Merrick Bank. Always on time and accurate. Of the few times I have needed to call to the office I have been greeted by a friendly and informative person that is actually able to speak English. I have never had a problem left unresolved nor have I finished any communication with them that I hung up angrily. These guys are just that awesome.	null
Kenneth	27.04.2017	Beltsville, MD	merrick_bank	1	Shortly after receiving my replacement credit card, I activated the card, peeled the phone number off and started using it. A few weeks later I noticed that a lot of charges I had made were now being rejected (charitable contributions). I made about 50 of them. When I tried calling and explaining what was occurring, I was brushed off with a quick, "You failed to activate the card". No, that is not true, I did activate it and made an immediate purchase and it worked. Why now is everyone saying I haven't activated the card.	22
Xwm	27.04.2017	Saint Paul, MN	merrick_bank	3	Merrick Bank has been good to me. I appreciate that they were able to give me a credit card despite the lower credit score. As I paid timely, my credit limit also increased automatically. Now that my credit score has risen significantly, I am considering closing this account. These are the reasons why: 1) the annual fee of $60, 2) the monthly fee of $5, 3) the time it takes to process my payment to the card that is over $500. Another reason which is not a make it or break it reason is that the website is not up to par with other banks. Even a credit union has better graphics and security measures than Merrick Bank over the internet. Nonetheless, Merrick has been there for me when extra fund was needed and they've never charged wrongfully or reported anything incorrectly to the credit bureaus.	16
Jessica	25.04.2017	Centreville, MD	merrick_bank	1	Since I applied for the card in December to help build my credit and buy Christmas gifts according to them I've only paid on time once. This is BS! I always send my payment a week before it's due and pay more than required. I am extremely upset about this. No way it takes more than 7 days for them to get the payment! I'm sick of being robbed and taken advantage of. Now I'm gonna have to take out a loan to pay them off and be done completely. I can't believe all the great reviews I read. Just my luck I guess! Thanks a lot!	24
Melinda	17.04.2017	Port Jervis, NY	merrick_bank	1	If I could give it 0 stars I would. With all the banking laws, I don't know how Merrick skims through with their illegitimate practices. On 3 separate occasions I had to call to ask them to post my payments that I made. Not only did they not post my payments that were made 1-2 weeks in advance, but they charged me a late fee. After this happened twice I decided to pay off the card and stop doing business with this company. I did a balance transfer in the total amount, so that I could close my account and what happened?	25
Jessica	14.04.2017	Fort Myers, FL	merrick_bank	4	I haven't had any "real" issues with Merrick at all. Dealing with Merrick has been pretty smooth. I think perhaps their app may need a bit of revision in regards to the overall UI but it works and functional.	7
April	5.04.2017	Sterling Heights, MI	merrick_bank	3	I am reestablishing my credit, and have gotten my credit score up to the mid 600s. I've never had a late payment and I usually pay more than the minimum payment. I called to negotiate a better interest rate, and I was told that they don't do that. As soon as this account is paid in full, I will be closing this, and finding a card with a better interest rate.	20
Stephanie	1.04.2017	Elkins Park, PA	merrick_bank	4	I have not had any dealings as yet with Customer Service, but so far the card has delivered on its advertised promises. My credit limit was increased automatically, and the minimum monthly payment is more than reasonable. My only issue is the annual fee.	21
Stacey	31.03.2017	Mcrae, AR	merrick_bank	3	Merrick is a good starter card. Interest rate is kinda high, which is why I rated lower. Which being a starter card you can understand, however after some on time payments they should lower it. As you've proved yourself, as well as increasing the credit lines.	13
Jerrynell	31.03.2017	Charlotte, NC	merrick_bank	5	I have been a card holder with Merrick Bank for over a year and a half and they have always given me excellent customer service. They always respond professionally, knowledgeable and honestly to my concerns. It has been my pleasure doing business with Merrick Bank and I look forward to a long business relationship with them.	12
Gary	31.03.2017	Roscoe, PA	merrick_bank	5	My experience with Merrick has been wonderful, I wasn't sure the ad and offer of their invitation to apply would turn out true. The INVITATION to apply said if approved and you made the first 6 payment on time they would double your credit line. For me that was going from 600.00 to 1200.00 dollars. After making 6 payments on time I got a email saying my credit line was increase to 1200.00. They stick to their word. That a great thing today.	28
Corey	31.03.2017	Pearland, TX	merrick_bank	3	What's disturbing is when I call to dispute a charge, I provide all the necessary details as to why I'm disputing a particular charge, then receive a letter in the mail requesting the same information. Discover and State Farm Visa doesn't require this process. If Merrick could not have customers send in correspondence as to the same information I provided to the previous customer service agent, that would be great.	17
Ramona	31.03.2017	Denver, CO	merrick_bank	5	I am appreciative to Merrick Bank for the service they provide. They were the one credit card company that was willing to give me a chance at credit recovery. Their service has been professional and courteous in all areas that I needed them.	12
Andrew	31.03.2017	West Caldwell, NJ	merrick_bank	3	Overall my experience with Merrick Bank is good. Areas that they could improve upon are creating a better mobile app, offering some type of rewards program or cash back incentive, and removing the annual fee. Interest rates seem ok for the type of card that it is, but could be reduced over time.	8
Quentin	30.03.2017	Redding, CA	merrick_bank	5	I don't have a lot to say about this, and in this sort of situation I think that is a good thing. If I was upset or disappointed with the services I was receiving, I would be writing at length, in detail. I appreciate my card and my experience with Merrick Bank thus far. Thank You!	9
Susan	30.03.2017	College Station, TX	merrick_bank	5	I have been happy with the service I have received from Merrick Bank. My only complaint is when I try to log online, the website often tells me that I have too many tries to log in and then I call and get back into the system. Thanks.	8
Nancy	30.03.2017	Rushsylvania, OH	merrick_bank	5	My credit report reflects updated information from my card activity at least every 2-3 months, which has really helped me build my credit report. The app is easy to use for seeing activity and making payments. My payments apply to my account within a day or two, and I get email updates that remind me when my statement is ready so I'm never late making my payments. I love this card!	12
John	30.03.2017	Vero Beach, FL	merrick_bank	5	I like Merrick Bank online account services for the ability to search transactions which give me a specific view of my charging activity. I also like, very much, the simple straightforward payment process as well as being able to look at payment history to confirm payments and for budgeting purposes. One very nice feature is the "Statement Summary." This is a GREAT overview of my account profile, activities, interest charges, etc. Thank you Merrick Bank for being a customer oriented financial service!	7
Debra	30.03.2017	Gordonsville, VA	merrick_bank	5	I've been completely satisfied with all my dealings with Merrick bank credit card services! I'd definitely recommend all these services to anyone that asked me. I've called customer service and have always been satisfied. My problems were handled efficiently.	5
Gary	8.03.2017	Decatur, TX	merrick_bank	2	I have been making over the minimum payments on my Merrick Bank Credit Card out of Salt Lake City Utah. I was told due date was 30th of each month. I never really looked at date on Statement. I always make payment on automated telephone line and my minimum payments is usually 35.00 to $37.00 Dollars. I was late in February 2017 I made payment on the 27th 2017. On March Statement 2017 reads past due amount $37.00 Dollars, Minimum pmt. 114.00 payment Due 3/18/17. I looked at the due date is supposed to be on 20th so did they change it on me and not tell me. I thought I was making early payments. And at that nothing on statement does not say anything about a late fee.	26
Janell	1.03.2017	Henderson, NV	merrick_bank	1	I was having a financial hardship, and Merrick agreed to put me on their Hardship Program. After making my agreed upon payments on time for 2 months, I did not receive my bill. I called Customer Service and stated I had not received my bill, and they informed my account had been Charged Off!! I was furious and I want to let people know not to trust them when they agree to a payment plan with you. They told me that after making my agreed upon payments, for 3 months, that my credit report would show my account as current, although the account was closed for further purchases. Lying to the customers is very unfair!!! I kept my end of the bargain but they failed to keep theirs!!!	25
otha	1.03.2017	Jonesboro, GA	merrick_bank	1	Back on October the 3rd Merrick Bank put a $2.77 paperless fee on my account. I had no knowledge of this fee. They reported late to the credit bureau and it drop my 40 points. I contact them and they refuse to remove it. So now I can't get a mortgage. Bad company and customer service.	24
Karen	1.03.2017	Chesapeake, VA	merrick_bank	5	Each time I encounter Merrick I have had good service. Whether it's the ease of the website or speaking to someone directly, I feel like I am receiving the best service possible. I would recommend Merrick to friends.	11
Joe	28.02.2017	Gilmer, TX	merrick_bank	5	They have done every that they said they would. They have given credit increases without even having to ask. As long as you hold up your end. They are a no hassle bank. If you're a responsible person then building your credit is a snap with Merrick Bank.	15
Chanthalansy	28.02.2017	Warrington, PA	merrick_bank	4	I called in because my card had been compromised. The issue has been resolved, however, I asked the rep when I called if there was a mechanism in place where it detect a purchase on the same day but different state it should of flagged it. I had to call.	5
Crystal	28.02.2017	Metairie, LA	merrick_bank	5	I've spent the past 3+ years cleaning up my credit, no lawyers, no debt consolidation firms... just me. I received a pre-approval letter from Merrick Bank. I usually throw them away, but the opportunity to double my credit limit in only 6 months (with no late payments and paying at least your minimum balance). So I took a chance. I'm not so far along where I have been receiving low interest rates yet, but more people are trusting me with unsecured cards so I'm happy! I've had to call Merrick Bank quite a few times, including a charge dispute. I've always received very good customer service! One associate took the time to walk me through specifics as far as what information I'd need to support my dispute claim. This card is one I plan to keep. Especially since I could be eligible for another increase in a year!	22

Patricia

7.07.2017

Dickinson, TX

merrick_bank

1

I received a pre-screen for a Merrick credit card and did quick online approval and was approved. I received card in the mail and NEVER used card, and was sent 1st bill for $155!! Annual fee and some other fee that was deducted from credit limit. It is as though you are paying for a credit card! I did not pay it and contacted them to cancel card and that I hadn't used it and didn't want it. They did… and reported to credit bureau! Now, I have negative mark on my credit for card I never used. I owe them for accepting (which I won't ever pay) on my credit! Be careful when accepting this high interest!

48

Kevin

6.07.2017

Columbus, OH

merrick_bank

1

This place is a scam. How you gonna charge 100 to activate but then tell me I need to pay 15 just to speak with a representative. Then said rep tells you that the only way to make a payment is through my direct routing like gym memberships because you know there is no way to cancel a direct draw, but wanna be like "it's the bank's policy not ours" right...

39

John

4.07.2017

Mount Laurel, NJ

merrick_bank

5

Made bad decisions with my credit in the past and tried to rebuild with other companies. Merrick Bank accepted my application and has been great. Easy online payment arrangements. Would definitely recommend.

20

Janet

30.06.2017

Williamsburg, VA

merrick_bank

5

I am a new participant with Merrick Bank and I have been very satisfied with their explanations of their programs and expectations. I look forward to a long and satisfactory future with this institution.

14

Cheryle

30.06.2017

Grass Valley, CA

merrick_bank

5

I have had a credit card with Merrick Bank for many years. Every time I have had conversation with their customer service people, they have all been knowledgeable, helpful and extremely polite. Merrick Bank does account review on a regular basis, which is very nice as that means I don't have to call and ask. Overall a great company with whom I am very pleased. Thank you!

23

Antoinette

29.06.2017

Seaford, NY

merrick_bank

3

I guess I must be stupid. Every time I go to pay online I must forget to submit and wind up with a late fee. I write the payment on the bill but it doesn't go through. I WAS VERY CAREFUL THIS LAST TIME AND GOT A CONFIRMATION #.

29

Beth

28.06.2017

Mt Pocono, PA

merrick_bank

4

I feel secure with this card. Fair and kept their promises of credit limit increases. Card always works. Easy access on phone. (I have not tried anything online.) I wish the interest rate was lower. That is the only factor that keeps me from recommending Merrick to friends.

24

Christine

28.06.2017

Bremerton, WA

merrick_bank

5

Merrick Bank is great. With the monthly reminders, it is easy to pay your bill online. They also offer paperless billing. They give me plenty of notice when my bill is due so I avoid any late fees. I haven't had any issues with my account or card. It's awesome.

18

Stephen

28.06.2017

Yukon, OK

merrick_bank

5

I've only been a customer of Merrick for about a year now but have nothing but positive dealings with them! They have kept me quite informed of my account and every transaction has been seamless. Their mobile app works well without a bunch of extra frills and is quite easy to use! Highly recommend this establishment!

15

Diane

28.06.2017

Stone Mountain, GA

merrick_bank

5

Merrick Bank has been simply a great relationship for me as a credit card holder rebuilding my credit. I initially heard about Merrick and just applied on their website with quick easy application. And a rapid response to extend the new Visa card. The credit limit is light, and increases are periodic with no requirements from me. G payment processes, great customer service.

12

Deborah

28.06.2017

Katy, TX

merrick_bank

4

I've never had any issues with the card or the company. I called once and my questions were answered. I only have one minor issue that customers were able to change the pin for the card to something that they could remember, rather than the one that was assigned.

10

Towanna

28.06.2017

Jacksonville, FL

merrick_bank

5

I use it to rent a car to go visit my son in college. I love this card. I love when I get an increase it comes in right on time. This card is what I needed. A major credit card. Thank you so much for giving me this opportunity.

18

Frederick

28.06.2017

Indianapolis, IN

merrick_bank

4

Your service representatives are always friendly and treat me more like a friend than a customer. It's always a pleasure to talk to them. Thank you for making me feel like a valued customer instead of a number.

11

Teena

27.06.2017

Santa Fe, NM

merrick_bank

5

I have been working on reestablishing my credit after years dealing with IRS tax liens and a derogatory credit history. I was offered a Merrick Visa credit card with a higher limit than what I have received from other credit card companies. Of course it has a high-interest rate but is comparable to others considering my existing credit score. I did some reviews online and chose to accept the credit card based on the fact that there were no annual fees, the higher credit limit offered and the opportunity to have my credit limit increased substantially in 6 months. I have not received my card yet but look forward to a positive experience and I will update my review as time passes.

7

Alexis

27.06.2017

Baltimore, MD

merrick_bank

4

I have no complaints about Merrick Bank outside of their rates being a little too high for on time paying customers such as myself. It would be nice if they provided a rate decrease when they provide credit increases.

12

Nathan

27.06.2017

Bradenton, FL

merrick_bank

4

Was a fair card company, if you pay your bill they will even give you promotions. Its a great card for someone rebuilding their credit. Paying over the phone was an easy process if you are like me and not a fan of paying bills online.

7

Julie

27.06.2017

Tacoma, WA

merrick_bank

5

I was provided with credit after unexpected circumstances caused my excellent credit to drop down to fair. I pay my bills on time and have worked in the same profession for 20 years. When unfortunate life experiences occur, they trusted me.

11

Virginia

27.06.2017

La Canada Flintridge, CA

merrick_bank

5

Merrick Bank has been great, with all service and information. They have periodically increased my credit limit without me having to ask and have been most helpful in accurate charges and payments. Excellent customer service, answered any or all my questions without a long wait. I give Merrick bank an excellent rating and have recommended their services. Sincerely, Virginia ** an old lady you have helped.

12

Kathleen

27.06.2017

Albany, NY

merrick_bank

5

I have to say that my entire experience with Merrick Bank to date has been excellent. Website is easy to work with and understand. My few calls to customer service were a pleasure and my questions resolved quickly. Thank you.

11

Krystal

26.06.2017

Everett, WA

merrick_bank

5

Thus far - close to a year - my relationship with Merrick Bank as a Credit Card Customer has been simple, straightforward, and helped me to continue to build my credit. My credit line doubled after so many monthly payments on time as promised - and the rare accounts I have had to interact with CS they have been polite and helpful.

9

Lucky

26.06.2017

Polson, MT

merrick_bank

3

The problem for me in using the card I have is I do not have a means of being able to do online payments when purchases are made so I have held off using it. Do not have a userID or a Password setup online so that I can make payments once the card is used. No customer contact info or phone that I have seen up on the web page. Would indeed be of great help so I could use my credit card with your company.

10

Dean

26.06.2017

Sioux City, IA

merrick_bank

1

I paid my payment 2 days before it was due. Merrick did not process this until 3 days later. Then, they hit me with a late fee. The lady I called did not want to help at all and was rather rude to me. So, I called back and spoke with a Justin and he took care of all of it for me (which should have been done in the first place). I'm rather dissatisfied with Merrick Bank.

27

Shema

17.06.2017

Jacksonville, FL

merrick_bank

2

I send my payments every two weeks to keep a zero or low balance. I use Bill Pay through my bank. It takes Merrick 5-7 business days to get and process my payment. I called and asked if they are set up electronically. The guy assured me yes. So I set up Bill pay on my other two bank accounts and same thing. I need my payments credited the next business day like my Capital One card. I have had the card for 3 months and closing it as their snail of a payment posting process is complete.

21

Susan

13.06.2017

Gun Barrel City, TX

merrick_bank

1

I was fine with Merrick. I paid my card off every month. Then I was in an accident herniated disc x2 and dislocated shoulder and pivots out of the ball of my other shoulder. 8 broken ribs and two broken wrist. I entered a credit protection type of program. They told me they wouldn't charge interest, they always did. I told them I couldn't work. They have no real credit protection program like other cards do. I was told I had to make monthly payments and all I said was I could try but I don’t know if I can.

25

Joshua

13.06.2017

Canton, OH

merrick_bank

1

Dispute process is impossible to win. I've been had by a scam and they got my money in the end. It took months for me to finally just give up and hand over about 5 hours of my work week. I miss Discover Card.

15

Martha

12.06.2017

Provo, UT

merrick_bank

1

I received a letter from Merrick Bank today where they had close credit card account because I hadn't used credit card. I called their customer service department and they place me on hold for long periods of time waiting for a Supervisor to answer the phone. I find it ridiculous that Merrick Bank wants to tell the customer when you should the credit card and if you do not they close the account. The customer service representative said that they do this all the time. They decide and they do this to many people all the time. Sound like this Bank will be out of service in no time due to the lack of professionalism.

21

Michael

11.06.2017

Wethersfield, CT

merrick_bank

5

Merrick did what they said they would. After 6 consecutive payments they doubled my loc. Didn't have to ask for it they just did it. They are helping me rebuild my credit after hitting a rough patch for a while.

13

Becky

9.06.2017

New Braunfes, TX

merrick_bank

1

I was pre-approved according to what I received in the mail. (I didn't wait weeks or months to respond to the "offer".) I double and triple checked the fine print. Go through the process to claim my card and was declined. So thanks for an additional hit to my credit score because of an inquiry. If you're going to approve someone then and only then should you send them a pre-approval. Otherwise, it should just be a "if you're interested in this card, please see apply to see if you qualify" like all the rest of them. It's a really crappy way to do business.

42

Just Me

7.06.2017

Dayton, OH

merrick_bank

3

I did receive my first increase as promised. I've had this card for 14 months and have not received another increase. I was told after the first increase I would receive another one 10 months later if I paid on time. I've never missed a payment, nor have I been late. 11 months later, still no increase. I called and inquired about it and the lady was rude! I've talked to them before and had no problem, but this lady was a peach!

26

Katrina

3.06.2017

Santa Rosa, CA

merrick_bank

5

Out of all credit card companies I've dealt with, Merrick Bank by far has been the easiest to deal with. No hidden fees and I appreciate the credit score feature. Online system is great to use. Happy so far.

13

Charles

1.06.2017

Birmingham, AL

merrick_bank

5

I'm very satisfied with all the things that make Merrick my credit card of choice, such as no annual or hidden fees, a great way to rebuild my credit score and the issue free transactions. I recommend Merrick to all my friends and family! Thanks for the ease of navigating Merrick's website.

7

Quinton

1.06.2017

Saint Petersburg, FL

merrick_bank

1

I have been a customer of Merrick Bank. and I feel that it is my duty to pass on my experience with this bank. I am a senior citizen, living on a fixed income. Both my wife and I are retired. Because of birthdays, we do not receive our money until the third and fourth Wednesday of each month. When the account was set up they set the due date at the 20th of the month. Which always put us as late due to when our money comes in. So I called and asked for a change in the due date to the 4th of the month, so that we would be paying early, instead of late, depending on when our second check arrived.

53

Vasiliki

31.05.2017

Plymouth, MA

merrick_bank

1

Merrick Bank gave my roommate a line of credit under my name. I looked up my credit report and saw a maxed out Merrick Credit Card. I knew I never applied/nor did I have possession of this credit card. I called the company and gave my information in hopes to gain access to purchases on the account in order to find who opened account. They verified my info to the account, except the address and phone number was incorrect. I took a shot and gave my roommate's work address and cell phone and sure enough it was verified. I asked Merrick how this could happen? The agent explained to me that I was sent a pre-approval in the mail and my roommate must have filled it out and was approved. Here's the kicker, my roommate is a guy. I asked how they could miss the fact that a guy was applying under my information whom is a female. They explained they do not process applications over the phone... EVER. It's mail in only!!!!

37

William

30.05.2017

Center, TX

merrick_bank

3

I haven't had any terrible experience with Merrick Bank. They kept their promises and I am thankful for that. I just hope at some point they may offer cash back or a lower interest rate. I am considering dropping their card, keeping my Capital One rewards card. We'll see.

19

Julia

29.05.2017

Brooksville, FL

merrick_bank

5

Excellent services offered by Merrick Bank. Very easy to deal with. Any time that I spoke with anyone in customer service they were very professional and first class. They offer no fee foreign transactions which is great when traveling! Would recommend to my friends!

4

Margaret

26.05.2017

Ithaca, NY

merrick_bank

4

I have been a customer with Merrick Bank for most a year and my experience has been a good one. If I could improve one thing it would be ease of use of their site and finding your debits and credits. The one time I needed customer service they were helpful and professional.

4

Jan-Marie

26.05.2017

Melbourne, FL

merrick_bank

4

Though my interest rate is high, I have no problems with my card. Their app is extremely user-friendly, I am rewarded for my loyalty with increased spending power, & their customer service team is polite & professional.

8

Megal

26.05.2017

San Diego, CA

merrick_bank

5

The server's has truly been outstanding. Dealing with Merrick Bank has been the best experience of my life. The bank is always on time. Even though I speak to a machine when I call it's always productive. Thank you so much and I will recommend you to all my friends.

4

Merlin

25.05.2017

Luverne, MN

merrick_bank

5

I like that I am rewarded for paying on time by getting increase in my credit limit, but I don't like being charged a fee for you to raise my credit so you can make more monies on my using my new amount of credit. Just like another hidden fee.

17

Connie

25.05.2017

Jackson, MS

merrick_bank

5

Pleased with the quick automated service, response time is good. Account info is easy to access. Have not experience any problems. Was not familiar with Merrick originally and I have recommended it to other associates and friends. Liked getting an increase in a short period of time without making a request.

7

Mark

25.05.2017

White Bear Lake, MN

merrick_bank

5

I'm quite happy with the relationship I have with Merrick Bank. The terms are reasonable enough, the payment is easy enough. They have increased my limit on occasion in keeping with needs. I'm sure they were instrumental in the rebuilding of my credit.

9

Alfred

25.05.2017

North Ft Myers, FL

merrick_bank

5

I am very pleased with all aspects of Merrick Bank. The webpage is very easy to navigate. My account limit has been raised in a timely manner. My only suggestion would be to send some checks to transfer funds. Thank you for asking for my feedback.

8

Valerie

25.05.2017

Berlin, NJ

merrick_bank

5

We have had this card now for a few years, it is a pleasure to business with Merrick. As we pay our bill on time we receive increases in our spending ability, which helps in our credit score. We have recommended Merrick to many friends and family.

10

Laura

25.05.2017

Cottonwood, CA

merrick_bank

5

I have had real good luck with this card and Merrick Bank in general. I've been trying to bring my credit up and they are helping me in my quest to improve my credit for any future purchases I might make. They have been increasing my limit frequently it seems but it makes me feel good about how I'm doing. Thank you Merrick Bank.

7

Lucian

25.05.2017

Olean, NY

merrick_bank

2

On the 20th and 21st of May there was 2 unauthorized purchases made on the PSN network. The PSN networked claimed it would take 3 months to refund my money back on my card. I feel that this is inexcusable. It was a unauthorized purchase that had nothing to do with me. The best they could do is give me a PSN credit. Which means I still have to pay the 200 dollars on my card.

21

Mary

25.05.2017

Morgan City, LA

merrick_bank

5

Merrick Bank notified me immediately when someone tried to use my card to purchase $1500 in Walmart gift cards. I had my card in my possession and no idea how someone got my card number. I was very grateful. Excellent customer service!

10

Cody

25.05.2017

Tucson, AZ

merrick_bank

5

Great for re-establishing credit. Merrick Bank has helped me restore my credit score. They have generously extended credit before anyone else has. I have found their customer support staff to be friendly and courteous.

11

Richard

24.05.2017

Lake Villa, IL

merrick_bank

5

Merrick has a program that doesn't punish people who need to rebuild their credit. Their fees are fair and the credit line increase after so many months of responsibly paying your bills goes a long way to repairing your credit score. Compare the terms, I had offers from companies with logos that look like major card companies and their monthly fees were outrageous even if you didn't use the card that month.

6

Mark

24.05.2017

Springfield, MO

merrick_bank

5

I had never heard of Merrick Bank before they sent me an offer to apply for a credit card. But my experience with this bank since has been nothing less than great. The have done exactly what they promised and my credit score has improved because of my relationship with Merrick! I would highly recommend them to others.

9

Angela

24.05.2017

Lakewood, WA

merrick_bank

5

I been with Merrick Bank for awhile now. I have no complaints and always have had a great experience with them. Their services are exceptional and enjoy the credit increases I receive. I would recommend Merrick Bank to everyone, they have been nothing but great for me and I'm sure they would be for anyone that is with them.

3

Renee

24.05.2017

Windsor, VA

merrick_bank

5

I have not had any problems with Merrick's customer service. I have been with them for a couple of years now and they always give me credit limit increases, every four to six months. I don't have problems with them calling me to make a payment if I am late. I don't have any issues with Merrick Bank they have become one of my favorite cards to use.

7

Dan

24.05.2017

Las Vegas, NV

merrick_bank

3

I am satisfied with my experience, Merrick has everything you would expect online. Not overly fancy (which is a good thing) or complex websites. Everything is simple and straightforward and for a busy professional that is exactly what I need. No frills, no fuss, only the info that I need.

8

Sandra

24.05.2017

Bentleyville, PA

merrick_bank

5

Very fair and accurate at explaining conditions of the agreement. Easy access by e-mail, mail and phone. As always when customer behaves responsibly, Merrick response favorably. Would highly recommend them to family or friends.

5

Robert

24.05.2017

Waveland, MS

merrick_bank

5

I would for sure recommend it to a friend, they have been excellent to me. They helped me to rebuild my credit along with giving me options on paying bills and payments. Thanks to them I increased my credit score.

5

Gregory

24.05.2017

Brighton, MI

merrick_bank

1

I think it is ridiculous to charge a $3 fee every month, which forces me to make sure I pay this bill every month even though I do not use my credit card. Either charge an annual fee or allow me pay more than $3, so that I have a credit on my account to cover future months. It's like you do this so that you can trick your customers into missing a payment and then you can charge them a late fee. Terrible. Ready to cancel my account!

36

John

24.05.2017

Eastland, TX

merrick_bank

5

Anytime I have had an issue "and there have been very few, even then they were small" your customer service people were professional, attentive, and handled my issue on the spot. Could not be happier, thanks.

5

Kimberly

24.05.2017

Upper Marlboro, MD

merrick_bank

2

I submitted a dispute to Merrick. I was not given all the information I needed in order for the dispute to move forward when I initially called. I called back a second time to check the dispute status. Only then was I told I needed more information.

18

Jeni

13.05.2017

Clinton, IA

merrick_bank

1

I fell on hard times. Was making payments, but had late fees. That's was killing me. So I called, they said I pay $207 and they would get rid of late fees. So I set the payment up. I got a letter in the mail from my bank saying the payment was returned because the agent I talked to put the money to be taken out of the wrong account. I have two accounts on file. I know I told her what account to take the payment out of and she picked the wrong one. So I called and told them what account to take the payment out of and they did went through no problem.

40

venus

12.05.2017

New York, NY

merrick_bank

1

Take a deep breath before I go in on this wretched ass bank. These rip-off consumer snake ass idiots are so damn disgusting to the point they should not be in business. I have caught these idiots in so many lies until I honestly think they all are regular riders on that short yellow school bus. If you are trying to pay off their high interest visa card, they will find some grimy way to get extra money out of you with their famous "late payment" scheme. I have proven every single time that my payment was not late and that their lazy workers continue on processing the payment late to make it late not that it was received late.

52

Dave

11.05.2017

San Francisco, CA

merrick_bank

1

A few years ago my wife passed from Pancreatic cancer and I have been raising 2 kids by myself ever since. Due to medical bills and the general hardship of the situation my credit dropped significantly. I decided to try and use the Merrick Bank card to help rebuild my credit. In theory you pay on time for 6 months and they raise your limit. I paid on time every month but when it came time for the 6th their archaic website wasn't working for 4 days right as my payment came due. I called for assistance and they said they were also experiencing technical issues and to keep trying. In the end I paid before the late date but they posted one day late. I tried to get them to leave the late mark since it was due to their technical difficulties but they refused.

42

Mhamad

3.05.2017

Falls Church, VA

merrick_bank

1

I was one of the account holders with Merrick Bank Visa card (Platinum) for some time, never missed payment, used their card responsibly. I was out of states for several months, after coming back today I called Merrick bank to get up to date APR info and increased line, and I was surprised to hear that they closed my account. I asked why it was closed. They stated that there was no activity and that is closed. Some of you may not know when this kind of account closing happens that affects your credit big time. So be careful dealing with this bank. THIS BANK WILL MESS YOUR CREDIT. THINK TWICE BEFORE APPLYING CARD WITH THIS BANK. I am not worried their damn card but I am worried about my credit.

46

Mike

2.05.2017

Phoenix, AZ

merrick_bank

2

I've been with Merrick about two years. I recently called to try and get a lower interest rate. They said they never negotiate interest rates and if I wish to close the account that was okay. They did absolutely nothing to try and keep me as a cardholder.

34

Stacy

2.05.2017

Los Angleles, CA

merrick_bank

1

Because I didn't use my credit card for sometime MERRICK sent me a letter saying they were reducing the credit limit and also in the next thirty days the account would be closed. So Merrick Bank Credit Card Services is penalizing me, a person who has worked hard to re-establish credit and has done a good job at it, for not using credit to their standards. I wanted to keep that card to use in case of an emergency but instead, because I had a zero balance and hadn't used, MERRICK reduced the credit amount and then at the same time in the same letter they indicated the closing of the account in 30 days.

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Mary

1.05.2017

Rocky Mount, NC

merrick_bank

5

Merrick Bank provides professional, friendly, informative, uncomplicated, quality, and helpful service that help me as I pursue my professional and family life. If I need help with finances I can go to their website and find answers to make my life easier. The website is easy to access and navigate through, plus, if I have questions about my account I get fast and quality help. I can also help my son who is a veteran as he pursues school and a career in another state. Thanks to my Merrick Bank card and its easy access. I would refer my friends and family to Merrick Bank. Thanks a lot for the professional and quality care!

10

Carolyn

30.04.2017

Encinitas, CA

merrick_bank

5

I went through a divorce in a long term marriage where we owned a business. I did not get the business, so had to be released from any liability through BKCY. My credit was shot! Merrick was the only bank that would give me a credit card. I started with a $200 limit, but the goal was to prove I was financially responsible. No hidden fees or startup fees. I paid on time every month, paying off the balance. I'm now at a $2000 limit and have been encouraged along the way with every increase, which matches increases in my credit score, which is now, three years later, is in the excellent range. Being a financially responsible woman, it was hard to suddenly be seen as a poor credit risk, but Merrick helped me reestablish credit. Thankful!

25

Gail

28.04.2017

Newport News, VA

merrick_bank

5

I've had nothing but a pleasant experience with Merrick Bank. Paying my bill is very simple using their website period. They've always been very fair about raising my credit limit regularly. I don't really know what else I can say except they're very good company.

15

Stephen

28.04.2017

Kelseyville, CA

merrick_bank

4

Merrick Bank has a good card, reasonable interest rates (although I don't carry a balance). I only have one complaint, their website is very dated feeling, it's like a site one would have used in the late 90's or early 2000's. I would like to point out that the site does have all the features necessary to view statements, transactions, and complete payments, it's just antiquated feeling. I think an upgrade would be beneficial to both the bank and the consumer, also, offering 2 factor authentication would provide another layer of security.

10

Lavonne

28.04.2017

Denver, IA

merrick_bank

5

Merrick has been an outstanding credit card. I have been rewarded for paying on time and they are a secure card. I have been able to travel with security and know that my card is protected using the chip technology.

9

Sheila

28.04.2017

Concord, NH

merrick_bank

3

So far everything is great. But I downloaded the app for my iPhone. And after about a week it stopped working. I called and the man said it was being worked on. And still it do not work on my iPhone. I have to log into the full site to view my account.

14

Robert

28.04.2017

Greenwood, SC

merrick_bank

5

About a year ago, I opened a credit card account with Merrick Bank. The application process was easy, and my experience using my account and accessing it online and via the app has been awesome. After six months or so, I have already received my first credit limit increase. I would highly recommend Merrick Bank to others!

15

Daniel

27.04.2017

Corning, OH

merrick_bank

5

Has been a great asset in rebuilding my credit. Couldn't get approved for other cards so "settled" with Merrick. After less than a year my credit line has increased quite a few times and each time has also raised my credit score. Interest is competitive with other cards at my current score.

14

Roberta

27.04.2017

St Petersburg, FL

merrick_bank

5

My experience with Merrick has been very professional. At an event in Detroit - one of your representative called to let me know about charges on my account that was suspicious. Hotel was contacted the charges were reversed. Thanks for the call

13

Renee

27.04.2017

Philadelphia, PA

merrick_bank

5

My experiences in dealing with Merrick Bank is truly great, no problems. More than enough time to make payments on your credit card. Informative as to any policy changes. Their site is easy to manage and accurate. I have really enjoyed dealing with a great institution. Thank you.

6

Lauren

27.04.2017

Reynoldsburg, OH

merrick_bank

4

Merrick was one of the first institutions to offer me credit as I rebuilt my credit. Their online tools are great for setting up payments and they offer great credit alert features. They also care about your maintaining good credit by offering your credit score for free. As my credit has gotten better Merrick has rewarded me with higher credit limits without a request. Great credit services. Everything you could ask for.

5

Ray

27.04.2017

Watertown, SD

merrick_bank

5

Very pleased with Merrick Bank. Always on time and accurate. Of the few times I have needed to call to the office I have been greeted by a friendly and informative person that is actually able to speak English. I have never had a problem left unresolved nor have I finished any communication with them that I hung up angrily. These guys are just that awesome.

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Kenneth

27.04.2017

Beltsville, MD

merrick_bank

1

Shortly after receiving my replacement credit card, I activated the card, peeled the phone number off and started using it. A few weeks later I noticed that a lot of charges I had made were now being rejected (charitable contributions). I made about 50 of them. When I tried calling and explaining what was occurring, I was brushed off with a quick, "You failed to activate the card". No, that is not true, I did activate it and made an immediate purchase and it worked. Why now is everyone saying I haven't activated the card.

22

Xwm

27.04.2017

Saint Paul, MN

merrick_bank

3

Merrick Bank has been good to me. I appreciate that they were able to give me a credit card despite the lower credit score. As I paid timely, my credit limit also increased automatically. Now that my credit score has risen significantly, I am considering closing this account. These are the reasons why: 1) the annual fee of $60, 2) the monthly fee of $5, 3) the time it takes to process my payment to the card that is over $500. Another reason which is not a make it or break it reason is that the website is not up to par with other banks. Even a credit union has better graphics and security measures than Merrick Bank over the internet. Nonetheless, Merrick has been there for me when extra fund was needed and they've never charged wrongfully or reported anything incorrectly to the credit bureaus.

16

Jessica

25.04.2017

Centreville, MD

merrick_bank

1

Since I applied for the card in December to help build my credit and buy Christmas gifts according to them I've only paid on time once. This is BS! I always send my payment a week before it's due and pay more than required. I am extremely upset about this. No way it takes more than 7 days for them to get the payment! I'm sick of being robbed and taken advantage of. Now I'm gonna have to take out a loan to pay them off and be done completely. I can't believe all the great reviews I read. Just my luck I guess! Thanks a lot!

24

Melinda

17.04.2017

Port Jervis, NY

merrick_bank

1

If I could give it 0 stars I would. With all the banking laws, I don't know how Merrick skims through with their illegitimate practices. On 3 separate occasions I had to call to ask them to post my payments that I made. Not only did they not post my payments that were made 1-2 weeks in advance, but they charged me a late fee. After this happened twice I decided to pay off the card and stop doing business with this company. I did a balance transfer in the total amount, so that I could close my account and what happened?

25

Jessica

14.04.2017

Fort Myers, FL

merrick_bank

4

I haven't had any "real" issues with Merrick at all. Dealing with Merrick has been pretty smooth. I think perhaps their app may need a bit of revision in regards to the overall UI but it works and functional.

7

April

5.04.2017

Sterling Heights, MI

merrick_bank

3

I am reestablishing my credit, and have gotten my credit score up to the mid 600s. I've never had a late payment and I usually pay more than the minimum payment. I called to negotiate a better interest rate, and I was told that they don't do that. As soon as this account is paid in full, I will be closing this, and finding a card with a better interest rate.

20

Stephanie

1.04.2017

Elkins Park, PA

merrick_bank

4

I have not had any dealings as yet with Customer Service, but so far the card has delivered on its advertised promises. My credit limit was increased automatically, and the minimum monthly payment is more than reasonable. My only issue is the annual fee.

21

Stacey

31.03.2017

Mcrae, AR

merrick_bank

3

Merrick is a good starter card. Interest rate is kinda high, which is why I rated lower. Which being a starter card you can understand, however after some on time payments they should lower it. As you've proved yourself, as well as increasing the credit lines.

13

Jerrynell

31.03.2017

Charlotte, NC

merrick_bank

5

I have been a card holder with Merrick Bank for over a year and a half and they have always given me excellent customer service. They always respond professionally, knowledgeable and honestly to my concerns. It has been my pleasure doing business with Merrick Bank and I look forward to a long business relationship with them.

12

Gary

31.03.2017

Roscoe, PA

merrick_bank

5

My experience with Merrick has been wonderful, I wasn't sure the ad and offer of their invitation to apply would turn out true. The INVITATION to apply said if approved and you made the first 6 payment on time they would double your credit line. For me that was going from 600.00 to 1200.00 dollars. After making 6 payments on time I got a email saying my credit line was increase to 1200.00. They stick to their word. That a great thing today.

28

Corey

31.03.2017

Pearland, TX

merrick_bank

3

What's disturbing is when I call to dispute a charge, I provide all the necessary details as to why I'm disputing a particular charge, then receive a letter in the mail requesting the same information. Discover and State Farm Visa doesn't require this process. If Merrick could not have customers send in correspondence as to the same information I provided to the previous customer service agent, that would be great.

17

Ramona

31.03.2017

Denver, CO

merrick_bank

5

I am appreciative to Merrick Bank for the service they provide. They were the one credit card company that was willing to give me a chance at credit recovery. Their service has been professional and courteous in all areas that I needed them.

12

Andrew

31.03.2017

West Caldwell, NJ

merrick_bank

3

Overall my experience with Merrick Bank is good. Areas that they could improve upon are creating a better mobile app, offering some type of rewards program or cash back incentive, and removing the annual fee. Interest rates seem ok for the type of card that it is, but could be reduced over time.

8

Quentin

30.03.2017

Redding, CA

merrick_bank

5

I don't have a lot to say about this, and in this sort of situation I think that is a good thing. If I was upset or disappointed with the services I was receiving, I would be writing at length, in detail. I appreciate my card and my experience with Merrick Bank thus far. Thank You!

9

Susan

30.03.2017

College Station, TX

merrick_bank

5

I have been happy with the service I have received from Merrick Bank. My only complaint is when I try to log online, the website often tells me that I have too many tries to log in and then I call and get back into the system. Thanks.

8

Nancy

30.03.2017

Rushsylvania, OH

merrick_bank

5

My credit report reflects updated information from my card activity at least every 2-3 months, which has really helped me build my credit report. The app is easy to use for seeing activity and making payments. My payments apply to my account within a day or two, and I get email updates that remind me when my statement is ready so I'm never late making my payments. I love this card!

12

John

30.03.2017

Vero Beach, FL

merrick_bank

5

I like Merrick Bank online account services for the ability to search transactions which give me a specific view of my charging activity. I also like, very much, the simple straightforward payment process as well as being able to look at payment history to confirm payments and for budgeting purposes. One very nice feature is the "Statement Summary." This is a GREAT overview of my account profile, activities, interest charges, etc. Thank you Merrick Bank for being a customer oriented financial service!

7

Debra

30.03.2017

Gordonsville, VA

merrick_bank

5

I've been completely satisfied with all my dealings with Merrick bank credit card services! I'd definitely recommend all these services to anyone that asked me. I've called customer service and have always been satisfied. My problems were handled efficiently.

5

Gary

8.03.2017

Decatur, TX

merrick_bank

2

I have been making over the minimum payments on my Merrick Bank Credit Card out of Salt Lake City Utah. I was told due date was 30th of each month. I never really looked at date on Statement. I always make payment on automated telephone line and my minimum payments is usually 35.00 to $37.00 Dollars. I was late in February 2017 I made payment on the 27th 2017. On March Statement 2017 reads past due amount $37.00 Dollars, Minimum pmt. 114.00 payment Due 3/18/17. I looked at the due date is supposed to be on 20th so did they change it on me and not tell me. I thought I was making early payments. And at that nothing on statement does not say anything about a late fee.

26

Janell

1.03.2017

Henderson, NV

merrick_bank

1

I was having a financial hardship, and Merrick agreed to put me on their Hardship Program. After making my agreed upon payments on time for 2 months, I did not receive my bill. I called Customer Service and stated I had not received my bill, and they informed my account had been Charged Off!! I was furious and I want to let people know not to trust them when they agree to a payment plan with you. They told me that after making my agreed upon payments, for 3 months, that my credit report would show my account as current, although the account was closed for further purchases. Lying to the customers is very unfair!!! I kept my end of the bargain but they failed to keep theirs!!!

25

otha

1.03.2017

Jonesboro, GA

merrick_bank

1

Back on October the 3rd Merrick Bank put a $2.77 paperless fee on my account. I had no knowledge of this fee. They reported late to the credit bureau and it drop my 40 points. I contact them and they refuse to remove it. So now I can't get a mortgage. Bad company and customer service.

24

Karen

1.03.2017

Chesapeake, VA

merrick_bank

5

Each time I encounter Merrick I have had good service. Whether it's the ease of the website or speaking to someone directly, I feel like I am receiving the best service possible. I would recommend Merrick to friends.

11

Joe

28.02.2017

Gilmer, TX

merrick_bank

5

They have done every that they said they would. They have given credit increases without even having to ask. As long as you hold up your end. They are a no hassle bank. If you're a responsible person then building your credit is a snap with Merrick Bank.

15

Chanthalansy

28.02.2017

Warrington, PA

merrick_bank

4

I called in because my card had been compromised. The issue has been resolved, however, I asked the rep when I called if there was a mechanism in place where it detect a purchase on the same day but different state it should of flagged it. I had to call.

5

Crystal

28.02.2017

Metairie, LA

merrick_bank

5

I've spent the past 3+ years cleaning up my credit, no lawyers, no debt consolidation firms... just me. I received a pre-approval letter from Merrick Bank. I usually throw them away, but the opportunity to double my credit limit in only 6 months (with no late payments and paying at least your minimum balance). So I took a chance. I'm not so far along where I have been receiving low interest rates yet, but more people are trusting me with unsecured cards so I'm happy! I've had to call Merrick Bank quite a few times, including a charge dispute. I've always received very good customer service! One associate took the time to walk me through specifics as far as what information I'd need to support my dispute claim. This card is one I plan to keep. Especially since I could be eligible for another increase in a year!

22