Chip Lupo, Credit Card Writer
@CLoop
Yes, the Mercury Credit Card is legit. The Mercury Credit Card is legit because it is issued by First Bank & Trust, an FDIC member that has an "A+" rating with the Better Business Bureau. The Mercury Credit Card also reports information to the major credit bureaus each month.
Why The Mercury Credit Card is Legit
- Issued by First Bank & Trust, FDIC member with an "A+" rating from the Better Business Bureau.
- 2.6 / 5 average user rating on WalletHub.
- Reports to all three of the major credit bureaus: Equifax, Experian, and TransUnion.
- $0 fraud liability guarantee.
In addition, the Mercury Credit Card is legit because it’s on the Mastercard credit card network, meaning you can use the card anywhere Mastercard credit cards are accepted.
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xtcsurfing, Member
@xtcsurfing
Maybe legit, but I just caught them in an unethical and most likely highly illegal scam. I dont use the Mercury MC because of the high interest 29.99, so i use other cards. This week i was informed my credit availability jumped several thousand dollar. and along with my new credit amount, I would get a lower interest rate. The email did not come out and give APR, instead talked about prime + margin. So I called and was told my interest rate was now 31.99. I told here even my web portal says 29.99 so how is this lower..She could not answer.. Got supervisor on line and she could not give a reason except something dumb..(it take 2 cycles for things to show up.) Not the point or does that matter. where did the lower (31.99) come from. Still no answer.
Christine, Member
@csefein
They have decent SL for fair credit. I was approved instantly and it’s been smooth sailing. You can pay w/debit card to get immediate access to available credit and the app is fairly simple. I really like this card more than some of my others for borderline fair/good credit. You can’t grow past a $5k limit is what I here. Decent cash back rewards
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