Merrick Bank Credit Cards
Please find below 1 credit cards offered by Merrick Bank. Use the filters to refine or expand your credit card search.
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- Secured Credit Card Min Deposit of $200
- Annual Fee $36 1st yr, None after
- Monthly Fee None 1st yr, $3 after
- One-time Fees None
- Regular Rate 19.7% (V)
MERRICK BANK CREDIT CARD REVIEWS
My Merrick unsecured credit card has no annual fee, no maintenance fee, no set up fee, 0% interest for first 6 months, on any amount charged.
After the first 6 months the interest rate starts at 26%, about what the average store closed loop card charges in interest. Credit limit started at $700.00 and will double to $1,400.00 after the first 7 months of proper payment, and use.
I was promised a increase after making 6 payments on time and promise wasn’t kept now they saying my account go up for review in 2 more months when right now I needed it the most in 1 more week my maternity leave will be up which means I will be back at work so it wouldn’t be no need for a credit increase..just need folks to be more honest
I highly recommend Merrick Bank, Very professional and they have great customer service, as an Allstate Insurance Catastrophe Sr. Claims Analysis Catastrophe Adjuster for Home’s Auto Boats and Aircraft Licensed for all US States, with a 36 year credit history I know customer service, Merrick Bank is for me.
DONT GET THIS CARD!! Locked me out the first day i used it when i changed my PIN!! I travel all over the globe and tehy want a current US address and i dont have one. so card is useless!! DO NOT GET THIS CARD!! If i could rate this card negative 5 stars i would do it! Waste of time. I just use it as a current account while the card collects dust! PIECE OF CRAP! THANKS MERRICK FOR SELLING PRODUCT THATS USELESS!… read more
This is ridiculous. I spoke with a VERY ANGRY, VERY RUDE, unwilling to listen representative. I was unable to log into my account and I simply needed a password reset. It took me more that 15 minutes to get a password reset after being transferred.
I NEVER thought it would be soo difficult to simply make a payment.
Merrick Bank Card Services IS THE ABSOLUTE WORST....
It's a great card for rebuilding credit with no hassles or hidden fees. I've had this card for about three years and have no complaints. Their website could use some updates but it still gets the job done.
Very poor customer service. Have been with them for a couple of years. Noticed on my statement that I was charged a late fee for being one day late on my payment. I had never been late before with a perfect payment history. When I called and talked to customer service they told me I was 2 days late and I had to correct them as I was looking at my online statement. Was not pleased customer service lied to me and not pleased that they would not give a good customer a 1 day break. I have closed this account.… read more
I love my credit line increase
Merrick bank unsecured is one of the first cards that i got when building up my credit. I have never missed a payment so they have upped my limit several times. High interest card but if you pay it off monthly, not an issue. Here is where i was floored: for the first time since opening the card, I needed a replacement card, due to me damaging the card. They charged me $15 to replace it. I have several other cards. I have never been charged to replace it. You would think with a $15 charge they would at least over night it. Nope. That costs $49. A good customer service rep would have waived the $15 for a customer in good standing, like myself. But alas, no. 2 stars... do better merrick bank.… read more
HORRIBLE!! Been with them for years and every time I make any large payment I have to wait for a week to use the credit line. I have never had an nsf check to them. And the attitude of the people is crap. All they say is
" that's just the policy".
QUESTIONS & ANSWERS
Ask a question about Merrick Bank Credit Cards
You can get a Merrick Bank PIN by calling their customer service. The number you're looking for is 800-204-5936.
Just remember that cash advances are extremely expensive, so avoid one unless it's an absolute emergency. The cash advance APR is variable at 22%. The transaction fee is 4 percent.
You will need to pay the security deposit after submitting your application. The application will not be complete until funds from the security deposit have been collected by Merrick Bank. Hope this helps.
Many credit card issuers will upgrade a customer's account from a secured credit card to an unsecured credit card after they have used the former responsibly for at least a year. Responsible use means never missing a payment and maintaining reasonable credit utilization (i.e. not maxing out your credit card). Most issuers won't make the upgrade proactively, though, which means you might need to request it. You can read more about switching from a secured card to an unsecured card in our Secured Card Guide https://wallethub.com/edu/secured-cards/19575/#secured-to-unsecured.
Yeah, after 6 months. If you've got 6 months of clean payment history, you can request a credit limit increase. If they approve you, you'll be able to add more money to the security deposit.
Your Merrick Bank Secured card deposit will be refunded into your bank account when you close the account, less any outstanding balance.
Unfortunately there is no way to graduate to an unsecured card and get the deposit refunded that way.
Upon getting approved, you will receive detailed instructions on how to pay your Merrick Bank Secured initial deposit.
You will need to do it online and the amount will be debited from your bank account. Your initial credit line will be equal to your $200 - $3,000 deposit.
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 is a Visa, so you can use it at any ATM that accepts them. That's pretty much all ATM's really, as Visa is everywhere.
That being said, if you're thinking of withdrawing cash, be mindful of the cash advance fee and interest rate.