Merrick Bank FAQ
Does Merrick Bank have a grace period?
Yes, Merrick Bank offers a five-day grace period on its loan payments. Payments made after this grace period incur a late fee.
Can I have a co-applicant with a Merrick Bank card?
No, Merrick Bank does not allow co-applicants with its unsecured or secured credit cards, but it does allow you to add authorized users.
Does Merrick Bank offer balance transfers?
No, Merrick Bank’s credit cards do not currently include a balance transfer option.
Can you request a credit limit increase with Merrick Bank?
Each year, Merrick Bank reviews its customers’ accounts and provides regular credit limit increases. These are offered to customers who are in good standing and pay a portion or their full balance on time.
Merrick Bank Reviews
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2 featured reviews
How do I know I can trust these reviews about Merrick Bank?
- 4,466,033 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
CathleenLa Pine, OR
Review featured by Merrick Bank
Verified purchase
Customer ServiceReliability
Reviewed May 29, 2024
Thank you. I appreciate the customer service. I have found this card to be most reliable and flexible. Customer Service has always been great. I like I have a low monthly payment, which helps a great deal. Out of all of my cards I would consider them my top and used the most. Thank you Merrick Bank. I look forward to continuing to use your services.
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GraceSturgis, MI
Review featured by Merrick Bank
Reviewed March 20, 2024
I would surely tell everyone about this bank. It is easy on me that I don't have to worry about fraud. They keep me posted about anything that happens to my account and make the understanding of it really easy for me to understand. The more I use this card the earnings help me keep up on my credit score and history.
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Page 1 Reviews 0 - 5
CharityZuni, NM
Verified purchase
Reviewed Nov. 4, 2023
Merrick Bank is the credit card of choice for myself, although I do have other cards Merrick is way easier for me to make payments and check on my outstanding balance. I have also received an increase in my credit, which I find very helpful. I make my payments whenever I want or need to, I don't have to worry about a "Runaround" like I get with my other credit card. I am very pleased and happy with Merrick Bank, both with the credit card and the services I received. Thank you, I appreciate the opportunity to have a credit card that is working to help hard-working, every day people like myself. ❤️
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PamelaFulton, KY
Verified purchase
Punctuality & SpeedStaff
Reviewed Oct. 25, 2023
This bank gave me the opportunity to build my credit, to help out in my daily life, they took a chance on me when no one else would. I am a forever loyal customer, I would recommend them to anyone, they've never let me down. I'll do the same for them, not only do they give you great rates they always stay on top of your account. They are always willing to help in any need and making payments are easy and quick, takes less than a few minutes, this is my go to before anyone else bank.
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DianeGlendale, CA
Verified purchase
Punctuality & SpeedStaff
Reviewed Oct. 4, 2023
I am very pleased with Merrick Bank. They seem to always be there when I need them most. Thank you for being a great Bank and friend. I never feel under pressure when it comes time to pay my bill and it's because I try to stay on top of it so Merrick can see I also value their business. Merrick also keeps me informed on what Kind of customer I am as far as how I am doing. Also giving me a pat on the back to say they appreciate my on time payments. Again Thank you for being a Bank one can be proud of doing business with.
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JeanBeaverton, OR
Verified purchase
Customer Service
Reviewed Aug. 4, 2023
You guys are great. I went to a donut place and was overcharged and my donuts were horrible and after many attempts at trying to get my money refunded from the store and being hung up on by the manager I was frustrated and thought I was gonna take a loss but thanks to your helpful customer service my money was credited back quickly to my account. I will not only continue to keep my card with you but I will recommend you to friends and family.
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ErnestineSunbury, NC
Verified purchase
Customer Service
Reviewed July 26, 2023
In my experience with Merrick Bank during the time that I have been a customer I've gotten nothing but great service. The way I've handled my business has continually been rewarded and I'm very satisfied. I've not had any type of problem that I can think of.. All I can really say is that it's a great card to have in your wallet. My husband also enjoys the benefits of his. I'm not sure what else I can say except thanks for the opportunity you have given us both.
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JoseKaty, TX
Verified purchase
Customer Service
Reviewed June 14, 2024
Been over two month since account has been closed. Said check being mailed out. It will take 30 days then I call to check after 30 days and now they telling me different mail out date and another 30 days to receive a small $200 check. Stayed on hold with customer service over a hour just to be hung up on. This is the worst service I have ever received. Supervisor can’t even recall my past calls that were supposedly recorded as well to recall the facts. I’m at lost for words at this point and I will be filing a complaint with the higher ups and will be leaving other reviews about this establishment you call a bank! Ridiculous.
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TimothyTucson, AZ
Verified purchase
Customer Service
Reviewed June 12, 2024
I placed an order online on June 7 24 for a WEN Brad nailer, Brad nails and wood glue. The glue and nails were delivered the next morning. I called customer service to see why the nail gun did not show up. She told me it was coming from the factory and she called them to see when it would be delivered. The nail gun came 6 days later from the factory. Thank you.
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RichardEdgemoor, SC
Verified purchase
Customer Service
Reviewed June 12, 2024
I'm am extremely please with Merrick. I have other accounts. But by far this one is the best. And I would highly recommend it to anyone looking to open a new account. Customer service is on point. And you don't have to ask for a credit increase if your payments have all been on par.
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CharlesPoint Pleasant, WV
Verified purchase
Online & AppEase of Use
Reviewed June 12, 2024
I have had this card for a while now and have no complaints on this card. I like the application it uses. The App is easy to use and you can pay from the app too. I also like how you can view your credit score from the app. I highly recommend this card to anyone that needs a good credit card.
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TammyRockford, MN
Verified purchase
Punctuality & Speed
Reviewed May 29, 2024
I've asked to have my due date changed. Didn't happen so had late fees. So I mailed the 71.00 that was posted to my account. But I also mailed a 35.00 payment and has not posted. Mailed them same day. Where is the 35.00?? Not happy at all!!!! I should never of had late fees if the due date would of been changed like I asked. I also would like to know where the other 35.00 payment disappeared to????
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