Merrick Bank

To log in to your Merrick Bank credit card account, go to the login page on the Merrick Bank website or mobile app and enter your username and password in the appropriate fields. Then, click the “log in” to access your online account. If you don't already have an account, you will need to start by clicking “Not enrolled? Signup now.” in order to set up a username and password.

How to Log in to a Merrick Bank Credit Card Account

1. Register your Merrick Bank credit card for online account access. Click “Not enrolled? Signup now.” and enter your account number, date of birth, and Social Security number to verify your credit card account.
2. Create your Merrick Bank card username and password. To create a strong password, use at least 12 characters and include a combination of upper and lower case letters, and numbers.
3. Log in with your new Merrick Bank credentials. From the login page on the Merrick Bank website or mobile app, fill out the Username and Password fields using your new credentials, then click “log in” to access your account.

After you have signed up and logged in, you'll be able to manage your Merrick Bank credit card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.

If you forget your login information, click “Forgot username or password?” on the Merrick Bank login page. Then, just follow the prompts to reset or retrieve your username or password.

The easiest way you can pay your Merrick Bank credit card is online, either through the Cardholder Center, or by using the goMobile app. Alternatively you can make a credit card payment by phone at (800) 204-5936, via mail or through a money services.

Here's how you can pay your Merrick Bank credit card:

• Online: You can make a credit card payment online, by logging in to your Cardholder Center account.
• Mobile app: Merrick Bank credit card payments can also be made through the goMobile app for iOS and Android.
• Phone: You can also make a credit card payment over the phone at (800) 204-5936. You will have the option to either speak with an agent or use the automated system.
• Mail: For a regular mail, the address is:
   
  Merrick Bank
  P.O. Box 660702
  Dallas, TX 75266-0702
   
  Overnight mail payment
   
  Merrick Bank
  Attn: Lockbox Operations #660702
  2701 East Grauwyler Road, BLDG 1
  Irving, TX 75061
• Money services: Lastly, you can visit your nearby money services counter at retail locations (such as Walmart, Kroger or others). You may use MoneyGram, Western Union or other forms of electronic payments with cash to send your payment.

Keep in mind that paying your credit card via regular mail takes the longest to process of all the available payment methods. So, make sure to always send your payment at least 5-7 days before your due date.

Ultimately, it is also worth noting that you can even set up recurring or one-time payments in the Cardholder Center, if you choose to.

You can get a Merrick Bank cash advance at any ATM. To do so, just insert your card, then enter your PIN and choose the cash advance option. After that, enter the amount you want to withdraw and acknowledge the fee disclosure to receive the cash advance. 

What you should know about Merrick Bank cash advances:

• Cash advances come with high APRs: Depending on the card and your overall creditworthiness, the cash advance APR can be as low as 24.70% (V) or as high as 26.70% - 35.70% (V). There's no grace period on a cash advance so interest starts accruing right away.
• There is a cash advance fee: The fee for a cash advance is 4% (min $10). This is on top of any fees an ATM owner may charge.
• Cash advances require a PIN: To use a Merrick Bank credit card for cash advances at an ATM, you will need a PIN. If you didn't create a PIN when you applied for the card, you can request one by calling customer service at (800) 204-5936.

Ultimately, keep in mind that cash advances are really expensive. So, it would be best to avoid using your Merrick Bank credit card for cash advances, unless absolutely necessary. 

Yes, Merrick Bank does offer an unsecured credit card, the Merrick Bank Credit Card. This card is sometimes referred to as the “Double Your Line Visa,” because it offers the opportunity to double your credit limit if you pay on time for the first 7 months the account is open.

The Merrick Bank Credit Card is available to people with bad credit, but only people who have been pre-qualified can apply. If you haven't already received a pre-qualified offer from Merrick Bank by mail, you can check if you're pre-qualified online.  

Merrick Bank Credit Card fees and APRs to keep in mind:

The Merrick Bank Credit Card comes with an annual fee of $0 - $72 1st yr, $0 after, depending on your credit standing. The card may also charge a one-time fee, as well as a monthly fee. Plus, this card's APR on purchases can be as low as 21.7% (V) and as high as 30.7% (V), once again, depending on your overall credit standing. You'll be able to see all of the details once you receive a pre-qualified offer. You can read the terms over before deciding to apply.

What to do if you don't get the Merrick Bank unsecured credit card:

If you don't pre-qualify for the Merrick Bank Credit Card, you could get the Merrick Bank Double Your Line® Secured Credit Card. This card is also marketed toward people with bad credit. It's easy to get approved for, though, because it requires a refundable security deposit of at least $200. The amount of your deposit determines the credit limit. The annual fee is: $36 1st yr, $0 after. This card's APR is 19.7% (V).

Ultimately, it's worth noting that there are several unsecured credit cards with lenient approval odds on the market. You could check out our editors' latest picks for the best unsecured credit cards for bad credit to weigh your options.

To get a Merrick Bank credit card PIN, call their customer service department at (800) 204-5936 and follow the prompts to get connected to a customer service representative. Make sure to have your account number ready before you make the call. 

It is worth noting that cash advances are extremely expensive, so it's best to avoid them unless it's an absolute emergency. On top of the cash advance APR, which starts accumulating immediately (with no grace period), you'll also be subject to a cash advance fee.