Only use this bank of you are serious about decreasing your credit score. They immediately report an increase in credit used, even if the statement is not yet due to go out. But if you pay off the card, they will refuse to report the decreased usage. I.e. let's say you charge something for $1000. Next day it will he reported to the credit bureaus. Before the statement goes out , you pay off what you charged, so your statement zero owing, the credit bureaus will show you owe $1000. Utter scam!
Rachel Jonte
The app is NEVER accurate. Don't rely on it to tell you what's due and when! I got a text msg to call about an important matter. Was told I'm late with a pmt. I went on my app again bc I thought I was losing my mind. The app was NOT telling me I was late nor that my card wasn't usable. I offered to take a screen shot and send it to the rep. I just made the minimum payment 2-3 weeks prior. Got late fee. Was told ppl have been complaining about this. Great and didn't get late fee waived!
Heather Ruckel
The worst credit card I have ever seen! Charges annual fees, monthly fees, high apr, and intrest on charges for any balance you have. Charges me a late fee of $45 for being 2 days late! Most places give you a few days, but not this company. I would never recommend this card to anyone and definitely would never get one for myself again. I have had mine for years but after reviewing all the fees they have charged me, I closed the account. Do not get this card, you will regret it!!
Ray Chase
Its a card, interest rate is too high though! If you lowered interest rate to make it easier to pay off and boost credit score. We would use it more often. It would be more competitive and more popular. I received an email as a response to this review. Requested me to call their "Care" dept. So they could look into it. I did. They didn't look into anything. Should change the name to DON'T CARE dept. No changes except mine to the review for wasting my time. Stay away from this card if you can!
Mecca A
I'm having an issue with my card and no one is answering the "24 hours" customer care line. I tried 2 different phone numbers and after getting past the automated menu it rings exactly once, goes silent, then hangs up.... I need to "pay as soon as possible" according to the email I got. But first I need to figure out why my last payment didn't go through! Is it so hard to at least provide an email for customer inquiries if you don't answer the damn phone!?
Trisha Millem
I downloaded this app for easy access to my balance and ease of making an online payment versus calling in and going through the automated prompts. EVERY SINGLE TIME I try to login to this app, it says my username or password is incorrect. I have to reset my password every time I want to use the app. I know I'm typing it in correctly, I write it down, I double check spelling, I type it perfectly and I still get the incorrect password message. EVERY TIME. This is super frustrating. Please fix it.
Lysandra L
App says my request is invalid (the info is correct). This was after attempting to delete and reinstall 2 times because it wouldn't even let me try to login. It's very difficult to reach any customer service people (1st call tried to help but didn't quite get there, 2nd call transfered me to an hour long hold that hung up, 3rd call hung up on me while talking. 4th call was very helpful tho, give them a raise) The CARE line also didn't pick up. Maybe an email address should be made 🤔
margaret randlett
This doesn't work. Every time I try to login it tells me invalid login information but the same login works on the Internet site just fine. I've changed my password thru the app and afterwards it tells me it's invalid... but that same password works on the website. I've uninstalled twice, reset the cache and it still doesn't work. it's unfortunate because I'm traveling so having access to my available balance on the app would make things so much quicker than having to use the Internet.
CynDee Smiles
The guy who said that the complaints here are most likely due to user error has no idea what we've all been going through. Everything was great for me too when I first activated and began using. Worked for quite a while, actually. But lately, the app goes blank and the website times out each time I try to log in. Very frustrating. And Merrick won't acknowledge there's a problem.
Donna Baker
Always cautious making online purchases; still, my credit cards have been hacked. I asked my other credit company how to prevent this. They recommended using the lock card feature in between transactions. I noticed the quick freeze on my Merrick card and have been using it but noticed tonight I no longer have that option. I tried deleting/reinstalling the app but still no access. No other problem with the card or app. Support is another story. Had to call 3x before they sent a new card.
