Mercury Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and customer service info for The Mercury Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHub
Info about Mercury Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
The Mercury Credit Card is an unsecured credit card for people with fair credit that could end up being decent or pretty bad, depending on the exact offer you get. The annual fee could be $0, and some people might get 1 point per $1 spent, but the standard... show more
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The easiest way you can pay your Mercury Credit Card is either by signing in to your account, where you can also set up autopay to avoid late fees, or over the phone at (866) 686-2158. Alternatively, you can pay as a guest or use the Mercury Credit Card app for iOS and Android. Lastly, you can also send a payment via mail.
Here's how you can pay your Mercury Credit Card:
Online: To make a Mercury Credit Card payment online, log in to your account using your credentials.
Phone: To make a payment over the phone, call customer service at (866) 686-2158 and follow the prompts.
As a guest: You can also make online payments as a guest. You just need to give your date of birth and either your credit card number or your Social Security Number.
Mobile app:Mercury Credit Card payments are also possible through the mobile app for iOS and Android.
Mail: To pay your credit card via mail, send a check or money order (but not cash) to the following address: Card Services PO Box 70168 Philadelphia, PA 19176-0168 Overnight payment address: Lockbox Services Box #70168 400 White Clay Center Dr Newark, DE 19711
If you choose to make a Mercury Credit Card payment via mail, make sure to send it at least 7-10 days prior to your due date, allowing it time to arrive.
The Mercury Credit Card customer service number is (866) 686-2158. When you call, you will first need to enter your card or account number. If you don't have the information at hand, press 0. The automated system will then give you several menu options to choose from.
The Mercury Credit Card can use any of the major credit bureaus (TransUnion, Experian, or Equifax) for approval. Regardless of the bureau they choose to pull from, it will always appear as a hard pull on your credit.
And when it comes to your financial activity, the Mercury Credit Card...
You can buy a gift card with your Mercury Credit Card through any store that accepts credit card payment for gift cards. Some big chains (like Walmart and Target) will allow you to do it, but you can also buy from online stores (like Amazon.com).
Yes, you can use your Mercury Credit Card anywhere Mastercard is accepted. Since Mastercard is the most widely accepted credit card network, it means you can use it in more than 210 countries and territories. Just bear in mind that this card has a 3% foreign transaction fee.
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.
You can check for Mercury Credit Card pre-approval in your inbox or in the mail. If the issuer considers you eligible, it will send you a pre-approved email or letter with a reservation code. To assess your eligibility, they will only perform a soft pull on your credit.
Share your insights and review the Mercury Credit Card
5
42%
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7%
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6%
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39%
3.0
109 reviews
109 reviews
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Kaletha @kalethan
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4 Star Rating
I just got a pre approval offer in the mail for zero annual fee and deposit, up to 2000 limit, and we'll basically no fees at all, plus 1% cashback (whoopty doo I know). The APR sucks, but it's a nice increase to add to my two Capital One cards (Platinum 500 limit/Walmart rewards 300 limit). So kudos to them for giving me a chance after filing bankruptcy last year and with 633 TransUnion, 604 Equifax, 603 Experian. Hopefully it stays a good experience!
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Elizabeth Gray @elizabethg_85
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4 Star Rating
Neither the best or worst card. Higher interest then some and really poor customer service managers. However, the quickest credit increase I've had without requesting one and a good credit limit.
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Ruth Hennie @rellen49
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1 Star Rating
This is the worst credit card I have ever had! It started out good, they increased my credit limit and then BAM! I got this card to establish credit and I have always paid a lot more than the minimal payment. The interest rate was supposed be 26.99%, but that was a lie. I stopped using this card in Nov. 2022. I always paid $100-$150/mo to bring the balance down. What a joke. May 2022 it jumped to 27.74% and kept on increasing with every statement. As of my April 8th 2023 statement the interest rate was 31.74%. On paying $100 per month, the interest charges showing up on the next statement were $66.13.This meant only $33.87 went towards paying the balance. They were getting at least $600 a year from me on interest. I now have a new credit card at 0% interest for 18 months on a balance transfer. How about that!
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Eaharris2019 @Eaharris2019
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1 Star Rating
I was scammed , filed a dispute in September 2022. To this date it has not been resolved. I have made at least one phone call a month for the last 8 months, begging them to help me. They all promise to call me with updates within 3-5 business days. No progress. No help. No credit to my account. Horrible customer service and laughable dispute department. Best advice, go with a credit company that has your back in these scam situations. This one doesn’t care.
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Ruth Hennie @rellen49
You won't get any help from them. They don't care.
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Jenniferakrips @Jenniferakrips
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5 Star Rating
Great for rebuilding credit!
I try to keep my balance low, always pay on time, and pay more than the minimum. Mercury has rewarded me by substantially increasing my credit limit, which has really helped my credit score.
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Tiffany A @SophiaRose
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4 Star Rating
Absolutely worth it, if you truly intend to restore your credit. I have a *few* cards now, that have much, much lower rates, great perks etc. - but this card gave me a higher limit and has honored their end of the contract I agreed to (including the high APR) when my credit wasn’t at all so great. As long as they continue to increase my limit (which they’ve done), and stay on par, I’ll keep Mercury and use their card, and even leave a small balance at times to pay some interest… because they gave me the benefit of the doubt. And a revolving open account relationship for years on end is also a good thing for your credit with a card. It’s nice to now have cards from airline companies and business cards that I need; and I’ll continue to keep this card because it did what it said it would - help me rebuild my credit, and yes, we’ve had a relationship for several years, that too looks good on my credit. I guess I’m just loyal and don’t mind paying a little interest to a company that helped me get to where I am today. Be a responsible person and they’ll treat you right.
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dawnchristian11959 @dawnchristian11959
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5 Star Rating
Thank you for being a great company to deal with! I appreciate all the help you have given to me. I have raised my credit score by numerous points. I have never been late on my payment
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leandra_anders42 @leandra_anders42
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5 Star Rating
This isn’t a good credit card if you already have great credit, but if you are new to credit and are trying to build it’s wonderful. I started building my credit a few years ago and after COVID went through financial hardship. Mercury was the only creditor that worked with me to keep my payments current and affordable. They lowered my bill to 11 dollars a month and when I could I paid towards the balance. After hardship it’s the only card I have with no late payments and is active.
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Arthur S @artmilligan
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5 Star Rating
Mercury always does what they say they are doing to do. The few times I have had to contact them they are very straightforward about what they need to do.
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DeAnna @deannalynn016
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5 Star Rating
This company has been great to me! Never a problem, always listens to what I have to say and makes me feel like I really matter. If you want a good credit card, Mercury is the place to go!
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