
Merrick Bank
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 06/30/2022.
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Merrick Bank Q&A(104 questions)
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How do I cancel my Merrick Bank credit card?
You can cancel your Merrick Bank credit card by calling (800) 204-5936 or by sending a written request to the following address:
Merrick BankP.O. Box 9201Old Bethpage, NY 11804- 9001
Just make sure to pay down any outstanding balance you might have on the card before canceling it. This way, you won't be charged further interest. And if you own the Merrick Bank Classic Secured Credit Card, closing the account with a $0 balance is also essential in order to receive your security deposit back in full.
How can I talk to Merrick Bank customer service?
To talk to Merrick Bank customer service, call 1-800-204-5936 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 phone number at 1-800-204-5936.
- Enter your 16-digit account number.
- Speak to the live representative.
If you can't or don't want to talk to Merrick Bank customer service over the phone, you can also contact them online or at a local branch.
How do I check my Merrick Bank Secured credit card application status?
To check your Merrick Bank Secured Card application status, call (800) 204-5936.
If you don't like what you hear, you can inquire about the reason they denied your application by sending a mail to the following address:
Merrick BankCredit DepartmentP.O. Box 1442Draper, UT 84020-1442
Instead of applying again, you should try becoming an authorized user on someone else's account. This can improve your credit score if used responsibly. In time, you might be able to qualify for a credit card of your own.
Does Merrick Bank charge late fees?
Yes, Merrick Bank does charge late fees when cardholders don't make the minimum payment by the due date. The late fee for Merrick Bank credit cards can be up to $40, though the late fee can never exceed the minimum payment amount thanks to the CARD Act of 2009.
If you accidentally pay less than the minimum required payment or you miss your Merrick Bank credit card due date entirely, you can always ask customer service to waive the late fee by calling 1 (800) 204-5936. This is much more likely to work if you have a great payment history with Merrick Bank, but even if not, there's no harm in asking.
To avoid getting hit with late fees in the future, make sure to pay at least your minimum required payment each month. The best way to ensure that you never miss a payment is by setting up autopay.
What is the Merrick Bank credit card interest rate?
The Merrick Bank credit card interest rate is 18.2% (V) to 30.45% (V), depending on an applicant's creditworthiness and the card they're applying for. The average interest rate among new credit card offers is 18.32%, according to WalletHub research.
Merrick Bank Credit Card Interest Rates By Card
- Merrick Bank Classic Secured Credit Card: 18.20% (V)
- Merrick Bank Credit Card: 20.2% to 30.45% (V)
- Merrick Bank Double Your Line® Secured Credit Card: 18.2% (V)
The regular purchase APRs on Merrick Bank credit cards are variable, meaning they can change based on certain economic conditions. In addition to the regular rate, Merrick Bank credit cards also come with a separate interest rate for cash advances. The interest rates will be listed on the card's monthly statement and online account summary.