To check your Merrick Bank credit card balance, log in to your Merrick Bank account online or call credit card customer service at 1 (800) 204-5936. It’s also possible to check your Merrick Bank credit card balance through the Merrick Bank app.
How to Check Your Merrick Bank Credit Card Balance
Online: Log in to your Merrick Bank account to see your card’s balance.
Phone: Call 1 (800) 204-5936 and follow the prompts to have the automated system read your current balance.
App: Log in to the Merrick Bank app. Your credit card balance will be shown on the home page.
It’s a good idea to keep an eye on your credit card balance. If your balance seems higher than it should be, take a moment to look over your recent transactions for anything out of the ordinary.
The Merrick bank cash advance fee is 4% (min $10) per transaction, whichever is higher. A cash advance fee is a fee charged when using a Merrick Bank credit card for cash withdrawals at an ATM, via direct deposit, with a cash advance check, or in person at participating locations.
Bear in mind that when you do a cash advance, you will incur other costs in addition to the Merrick Bank cash advance fee. There’s a separate cash advance APR that applies immediately after you complete the transaction. The ATM owner may also impose additional charges.… read full answer
Your Merrick Bank cash advance limit will be a portion on your entire credit limit. Credit limits are individualized, so you can check it on your statement or by calling customer service at 800-204-5936. It's important to mention that cash advances are really expensive, so they should be avoided.
The Merrick Bank Secured Card grace period is at least 25 days, lasting from the close of the billing cycle to the payment due date. If cardholders pay their statement balance in full every month, Merrick Bank Secured Card will not charge any interest.
Keep in mind that you are not required to pay the entire balance by the due date. But if you decide to pay less than the full amount due, you will lose the grace period. The remaining balance and any new purchases on your Merrick Bank Secured Card will then start to accrue interest that compounds daily. To get a credit card grace period back, you will need to pay the statement balance in full for two consecutive months.… read full answer
It’s also important to note that grace periods do not apply to cash advances or balance transfers.
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