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1.7 Based on 47 reviews
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    • Ending account 1
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    • Customer service attutudes 5
    • I am dissapointed and highly suspicious 4
    • Not willing to lower high interest rate 3
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I applied before reading all the small print. Extremely high interest rate and I paid off my balance months ago but kept card open. Now they bill $4 month fee and say its annual fee of 48 but broken into 12 payments. I asked to pay the 48 upfront and they won't let you. They're hoping you forget so they can hit you with outrageous late fees. I don't want to remember $4 month bill I have good cards from other merchants so I cancelled this... Read more

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For 3weeks I had a fraudulent charge on my card and customer service stated with an attitude that it takes 30 to 90 days to credit me, so they have to do an investigation.

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Prior to getting the Merrick Credit Card I was not told about the fee's that were imposed upon me way before I actually received the card. I have always been told about fee's from various banks except for merrick bank this is a disappointment because I thought they were one of the top 20 banks in this country. It also gives me less trust in them because they will probably try to impose more fee's as time goes on. I had a conversation with a... Read more

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My wife applied for the card and was granted a line of credit for $600. She has 4 other credit cards that have all been paid on time for over a year and so never activated this one saving the line a credit for an emergency. She received an email earlier this week telling her she was late on her payment. As she had never activated the card we were confused. We called customer service and were told that despite the fact the card was never... Read more

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I received an offer but after reading the reviews there's no way in *** I'd accept their offer. They say no account set-up fee, no penalty rates, no over limit fee, plus a free monthly fico score and they'd give me $600 right off the bat with double that of $1200 after I made 7 on time payments automatically. But the reviews are so bad on this card that it makes me question what kind of company they are. Why would I want a company that lies... Read more

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I had account with Merrick for several years. And they have increased my credit several times. but when asked if they were willing to lower my interest and reduce or removed the annual fee. The only answer I was given was you signed a contract. The customer service is a hit and miss. It just depends on who you get. It would be nice after you have created a history with the company they would offer you a better deal to keep your business... Read more

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After having the card over a year hidden fees popping up making it impossible to ever pay the card off unless you pay in full. They charge an annual monthly fee of $6.00, plus interest on purchases and interest on cash advances and no matter how much I pay, the fees always total up to my available balance. How convenient! Legal advice is my next step with this scam operation

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This is the worst bank I've ever dealt with. I made a payment to clear up a line of credit. Because it was over $60 they were going to wait nearly 10 days to apply it towards my line of credit! They told me the only way it would be freed up sooner is if I would fax proof from my bank that the payment cleared. I go to my bank and we try, it gives an error. My bank has merrick bank contact so they call them. Merrick gives them another fax... Read more

Was this review helpful? 1 1

When i first open my account with Merrick Bank I received their invoice before the card. I want to know why they were charging me a late fee when i had not even received the card. They sent out another one which i received almost two weeks later. I have never seen a company delay getting mail to posted accounts. When they mail you something it goes around the world twice before you receive it then when you mail in your payment it takes twice... Read more

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like it a lot, thought this was a manageable credit card. but rates are just horrible, they play the late payment fees... if using regular mail to pay bill 27 day non-sense also. they quickly report to credit bureaus if there mail office is on vacation. I send all the bills at the same time but they seem to have poor postal mail service..everyone else i pay gets there mail on time. My guess is they want to keep your credit down so they can... Read more

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