Customer Reviews & Complaints

“I have had a Merrick CREDIT CARD account for nearly 18 months. I have found using it as well as making online payments at the web site, reconciling the account, etc., to be a seamless process. I am thankful that Merrick has periodically increased my credit line as I demonstrate responsibility.”

“Last year, in 2018, I received an e-mail notification and a telephone call from the fraud department at Merrick Bank. There were three unauthorized credit card purchases made to my credit card account. The fraud department immediately shut down my account to prevent additional damage. I was fully protected from any liability and my account was fully restored within a short period. Thank you Merrick Bank.”

“Highly recommend this credit card for someone who is starting to build credit or trying to repair a bad situation. I’ve never had any issues, unlike other cards out there (credit one I’m looking at you). They are good about increasing your credit automatically for consist of on-time payments. And I know having a Merrick account helped me get 2 other cards later one. There are no rewards and the annual fee sucks, but so did my credit so it’s worth it in the long run. They do free FICO score check, online/app friendly, and have great customer service reps if you ever have to give them a buzz. Overall, I’m very happy with Merrick Bank and I look forward to being a happy customer for many years.”

“Merrick Bank gave me a legitimate credit card when I was rebuilding my credit and as I proved myself and increased my credit score they increased my credit limit on a regular basis. Their app made tracking my account and making payments easy. Now I qualify for top tier CC’s!”

“I would recommend the periodic credit line increases to be more like my other credit cards accounts in good standing and payment history should be considered for 1,000 increases to build a stronger portfolio.”

“To the glory of God in my Lord and SAVIOUR CHRIST Jesus Merrick Bank has been truly a Godsend. It is all around a game changer for anyone who is committed to rebuilding their credit. God bless in Jesus glorious and wonderful name. Amen.”

“I think Merrick Bank is a great company in which to do business with. My husband and I both have accounts with their credit cards, and are very pleased with their service. I would certainly recommend anyone wanting to get a credit card to give them a try first before other places. We are very pleased with their service!!”

“I am happy to be a Merrick Bank customer and have been for over a year. When I was in college I had more than one credit card and didn’t use them wisely. Now in my 30s I wanted to start rebuilding my credit. Merrick Bank constantly reviews my account, and has increased my credit limit on multiple occasions. This means that a card that started out as a small builder card is now a card I could use in nearly any emergency and know that I’m covered! It’s amazing to have a company willing to build on the customer/bank relationship in such a way! Customer service is also generally polite and incredibly helpful. I would recommend Merrick Bank to anyone.”

“I was at first skeptical about joining Merrick Bank because of the reviews, but I went for it and I love this card. So far, it’s been great and it does what it says, brings up my credit score. I would recommend this card to anyone.”

“I enjoy using my card, but get tired of paying the 3.00 fee per month when I don’t have a balance. Have even considered closing my account because of this. Too many good cards out there to put up with this fee.”

“Customer service dept is great as is the credit card in general, never have a problem with these people. The couple of times I had to call customer service, they were super friendly and helpful. Didn’t charge me anything to replace my cards when I broke them. And when I was off work and missed a payment they didn’t call my phone excessively like the others. Thank you, Merrick, for taking care of your customers!”

“I tell everyone Merrick is great of all the credit cards. I always will stay with Merrick credit card as soon as I am praying to pay off my other credit cards and then am closing them sticking with only my Merrick credit card. Thank You.”

“I have had a Merrick CREDIT CARD account for nearly 18 months. I have found using it as well as making online payments at the web site, reconciling the account, etc., to be a seamless process. I am thankful that Merrick has periodically increased my credit line as I demonstrate responsibility.”

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