Merrick Bank
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5 Star Rating
Verified CustomerThey don't give credit card increase, very good customer service department. Always there for me
Product: Merrick Bank Credit Cards
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Merrick Bank
At Merrick Bank, they thrive off the diversity of their employees, clients and communities to help them build a stronger and safe environment for all. Their mission is to make a positive difference in the lives of their customers, their employees, and their community.
Founded in 1997, Merrick Bank is FDIC insured and recognized... show more
Merrick Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/05/2026.
3.6
2,416 reviews from WalletHub and across the web
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Merrick Bank
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1 Star Rating
I have been a very loyal very on time never late always paid over the minimum due since 2021 "until" Oct. 2025. All of a sudden my card jumped up over 300.00 without me using it for months. I went into the app and noted there were several fraudulent charges on my card from Oct 10th 2025 til Oct 15th 2025 all in the same amount with three of those days during that period having the same charge 7 times in one day. I reported fraud. They issued a new card but never removed the charges. Started charging me late fees while accepting payments from me then would call me and say they didnt receive a payment and I was late. I received threatening emails, threatening letters in the mail. I reported them several times to transunion, Experian, the CFPB, the FDIC..Not one person did anything to them..while the disputes were ongoing they were able to put negative stuff in my credit file. Now the disputes are over I offered them a settlement for a certain amount (what was on my card). They said you dont owe that much it is 300.00 less "after" they turned me over to collections when my payment wasn't due yet. So now I am settling the account and planning on seeing them if the derogatory stuff isnt removed from the bureaus.
Product: Merrick Bank Credit Card
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Merrick Bank
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5 Star Rating
Verified CustomerSuper great card always reliable when needing to use
Product: Merrick Bank Credit Cards
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Merrick Bank
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1 Star Rating
I enrolled in auto pay and after months of deducting its monthly fee, Merrick Bank just stopped processing the auto pay. I don't know why whether it was a glitch in the system or deliberate, but this bank reported me as being late instead of processing my auto pay. When I called to complain the call center supervisor said the bank would correct the mistake with the credit bureaus. However, it has not done so and now instead of having good credit, I now have fair credit because my score dropped significantly after Merrick Bank reported me late for $8.00. I don't even have a balance on this account other than the monthly fee this bank charges. What is the point of enrolling in auto pay if the bank does not automatically process your payment? I got this card to improve my credit that went south after a job loss. Then after my credit improved to good or very good depending on the credit bureau, Merrick Bank decides to ruin my credit for a grand total of $8.00 which is nothing but its monthly fees and Merrick Bank refuses to retrack the late payment report even though Merrick promised it would.
Product: Merrick Bank Credit Card
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Merrick Bank
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1 Star Rating
Verified CustomerWould not recommend. I selected this card because of the "Double Your Line" promise. After a year of on-time payments, I had to request a limit increase and was denied. The increase was supposed to be automatic after seven on-time payments, which I made. My denial letter stated reasons that had nothing to do with their promise. Example: Lack of real estate, too many revolving accounts, and balances on bank cards too high. These "excuses" had nothing to do with their initial promise. I hope a class action is filed soon.
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Merrick Bank
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2 Star Rating
Garbage credit card. Apply online, then they want you to call, deal with the line, and then deny you anyway, affecting your credit report.
Sleazy group, worse than Chase and Wells Fargo Bank.
Sleazy group, worse than Chase and Wells Fargo Bank.
Product: Merrick Bank Credit Card
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This card sucks!!!!!! They are ruing my credit with their high interest rates I closed my account and I'm still getting charged interest!!!! Do yourself a favor find a better card, Do research on other cards!!!!
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Merrick Bank
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2 Star Rating
Good amount of credit offered, but they started charging a monthly service fee after I already had an account with them. I thought it was in bad taste, so I paid off the balance and closed the account. The interest rate wasn't very good either.
Product: Merrick Bank Credit Card
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Merrick Bank
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5 Star Rating
Verified CustomerGood service
Product: Merrick Bank Credit Cards
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Merrick Bank
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5 Star Rating
Verified CustomerThanks for giving me a chance after my bankruptcy. They understand that folks have bad luck sometimes in their lifetimes. So far, so good.
Product: Merrick Bank Credit Cards
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Merrick Bank
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1 Star Rating
Verified CustomerInaccurate charges, please remove from my credit report.
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Merrick Bank
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1 Star Rating
Verified CustomerBogus reporting to credit bureau. Medical write-off per state and federal law. Merrick is breaking usury laws.
Product: Merrick Bank Credit Cards
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Merrick Bank
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1 Star Rating
They failed to send me a replacement credit card before the expiration date, and when informed, they refused to expedite one without charge. This is a third-rate bank. Avoid at all costs.
Product: Merrick Bank Credit Cards
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Merrick Bank
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1 Star Rating
Verified CustomerI never even activated my card! I opened my credit card account in August. I did not intend to use the account unless it was an emergency, so the card was literally still in the envelope unopened. Come November, I received an alert on my credit that Merrick reported a missed payment. However, I was not aware I had even made a purchase. I then called Merrick to find out what had happened. They said I was charged an annual fee of $75 in September, one month later. Since I didn't see the email, nor did I pay anything, they automatically closed my account and reported me to the credit bureau. 'Nothing more can be done,' they said. I do not recommend using this company.
Product: Merrick Bank Credit Cards
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Merrick Bank
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1 Star Rating
BEWARE IF YOU LIVE ON THE WEST COAST. Merrick Bank CC uses East Coast time, so if you live on the West Coast and make a payment after 9:00 pm local time, you will be late because it is the next day on the East Coast. They DO NOT take into account local time when payment is made. It happened to me today. I paid on time according to Pacific Time (9:15 pm my time) but it will show as being paid one day later because it was after 12:00 am East Coast time. If I get a late fee, I will not pay it. And, perhaps it is set up this way so they can assess as many late fees as possible. DO NOT GET THIS CARD. I am sending mine back. I refuse to deal with a bank that does not recognize all time zones. In my experience, It is the ONLY bank/credit card that does this.
Product: Merrick Bank Credit Card
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Merrick Bank
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1 Star Rating
Bad credit charge approval. Balance good. $961 of $1000 used. Refused a $4 grocery charge for dinner.
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Merrick Bank Q&A(166 questions)
Get answers to your questions about Merrick Bank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
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11
UpvotesHow can I log in to my Merrick Bank account online?
Reply
Chip Lupo
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
- Register your Merrick Bank credit card for online account access. Click “Not enrolled? Signup now.” and enter your account number, date of birth, and the last 4 digits of your Social Security number to verify your credit card account.
- 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.
- Log in with your new Merrick Bank credentials. From the login page on the Merrick Bank website or 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, you can reset or retrieve your username or password by clicking “Forgot username or password?” on the Merrick Bank login page and follow the prompts.
6
UpvotesHow can I talk to Merrick Bank customer service?
Reply
Chip Lupo
To talk to Merrick Bank customer service, call 1-800-253-2322 and then enter your 16-digit account number. This process will get you in contact with a live Merrick Bank representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Merrick Bank Customer Service by Phone
- Call the Merrick Bank customer service department at 1-800-253-2322.
- Enter your 16-digit account number.
- Speak to the...
0
UpvotesHow do I make a Merrick Bank Credit Card payment?
Reply
Chip Lupo
You can make a Merrick Bank Credit Card payment online, by logging in to your account and clicking on the payment button by your card. Then, follow the instructions to enter the required information about your payment and submit it.
How to Make a Merrick Bank Credit Card Payment Online
- Log in to your Merrick Bank account with your username and password.
- Click the payment button located by your credit card.
- Choose how much to pay, when to...
11
UpvotesDoes Merrick Bank have pre-approval?
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Chip Lupo
Merrick Bank sends pre-approved card offers to potential applicants via mail or e-mail, and existing customers may receive pre-approval for a new card through their online account. To respond to a Merrick Bank pre-approved offer, visit the website listed in your offer and enter the enclosed invitation code. This allows Merrick Bank to flag the application as pre-approved.
Merrick Bank pre-approval doesn't guarantee that you'll be approved for a card, but it does indicate...
12
UpvotesHow long does it take to get a Merrick Bank credit card in the mail?
Reply
WalletHub
It usually takes up to 2 weeks to get your Merrick credit card in the mail after you get approved. However, some cardholders have reported a delivery time of almost a month. You should also keep in mind that the application process might also take up to 2 weeks. In case your card hasn't been delivered in more than 2 weeks of approval, the best thing would be to call customer service at (800) 204-5936.
If you're...
11
UpvotesHow can I get a Merrick Bank credit card cash advance?
Reply
Alex Wise
To get a Merrick Bank cash advance, use a Merrick Bank credit card and a corresponding PIN at a participating ATM and withdraw the cash, up to the card's available cash advance limit. If you do not have a PIN, contact Merrick Bank customer service at 1-800-204-5936 to request one.
How to Get a Merrick Bank Cash Advance at an ATM
- Call Merrick Bank customer service at 1-800-204-5936 and request a PIN, if you...
6
UpvotesWhat is the best Merrick Bank unsecured credit card?
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Sydney Garth
The best Merrick Bank unsecured credit card is the Merrick Bank Credit Card 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 even accepts people with bad credit.
Just note that only people who pre-qualify can apply. If you haven't already received a pre-qualified offer from Merrick Bank in the mail, you can check if you're pre-qualified online.
Merrick Bank Credit Card Fees &...
0
UpvotesCan I pay my Merrick Bank credit card bill by phone?
Reply
Adam McCann
Yes, you can pay your Merrick Bank credit card bill by phone. To make your Merrick Bank credit card payment over the phone, call 1-800-204-5936 and follow the instructions from the automated menu, then enter your payment information. The process should only take a few minutes.
How to Pay Your Merrick Bank Credit Card Bill by Phone
- Call Merrick Bank at 1-800-204-5936.
- Follow the automated menu options to initiate a payment.
- ...
1
UpvoteDoes Merrick Bank give a temporary credit card number?
Reply
Christie Matherne
No, Merrick Bank does not offer temporary credit card numbers, so you'll need to wait until your physical card arrives to activate it and begin making purchases. Your card should arrive within 2 weeks after you're approved. You can call Merrick Bank customer service at 1-800-204-5936 to request more information about the status of your card.
Using Click to Pay After Your Card Arrives
Once you get your card in the mail, you can...
1
UpvoteHow do I activate my PNC Bank credit card?
Reply
Chip Lupo
To activate a PNC Bank credit card, call 1 (800) 558-8472 or go to the PNC Bank activation website and follow the instructions. One other way to activate a PNC Bank credit card is by using their mobile app.
Your new PNC Bank credit card will be ready to make purchases in just a few minutes, regardless of which activation method you use. PNC Bank does not have a certain time limit within which you need to activate your card, but...
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