# embeddings_queue

created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 705aeec260c0465e8a577bff8c5e1cec
encoding: FLOAT32
metadata:
{"chroma:document": "I am not a fan, Merrick. You got my information because my student loan was handed over to you and you have the audacity to mail me a terrible, scammy credit card with all sorts of self important wording on the envelope. I am already tens of thousands of dollars in debt to you, and you still want to extract more money from me. And on top of that, you don't even have the decency to set up a customer service email address. I do not have a phone because I am tens of thousands of dollars in debt to you, so instead I need to post on this website to complain. Not a fan Merrick, not a fan."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: aeb5f21d19454a0f8008bbba2e2cda09
encoding: FLOAT32
metadata:
{"chroma:document": "These idiots don\u2019t even know who they are loaning money to. Everyone should borrow money from them and not pay it back because they will bill somebody else. I know, they have turned me over to a collection agency and I never heard of them before."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7575e883181f4f2bb22b9f8cff23f917
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick has been extremely positive. Their online payment system makes it super easy to pay my credit card and most important they are not intrusive like many other card services can be. Their customer service is helpful and they don\u2019t outsource their care."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 332ad6dd27f74b7b9e7e577b240b8d91
encoding: FLOAT32
metadata:
{"chroma:document": "Not a bad card at all. Just make sure you make your payments on time and everything is ok. They always give you a credit increase after few months long as payments are on time... Definitely helped me raise my credit and gave me a chance at a credit card when no other card would approve me."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0eb86555a4e949298843bb19abdc3b50
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a Merrick Bank credit card for over two years now. It started with a $700 credit limit when I first got it and I have had regular increases in my limits to now be up to $1900. The card is great. I can check my balances and make payments online and set up regular recurring payments so that I never get charged a late fee. I originally got the card when I had not so great credit. Since then not only have I had the regular credit increases, I\u2019ve qualified to buy a house, and continued to use my card wisely. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0d94464355b14ff88c8b41af30363b86
encoding: FLOAT32
metadata:
{"chroma:document": "I think it's a good card so far except for the activation fees are ridiculous but I think it would be hopefully a good card. It's been good to me so far and I think giving people 500 credit men taking part of that but these you should give him a little more credit."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6aa009f2c9174106ad64916961b14922
encoding: FLOAT32
metadata:
{"chroma:document": "I love my Merrick credit card. I have no complaints. I pay everything on time. And I have had zero issues with my card. Merrick raises my credit every few months because I always pay on time and I Love that! Thank you Merrick."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 13b0b29d41bb454ab80e81ffd32cec38
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a satisfied Merrick card holder since 2014. I have had nothing but positive experiences with the service I have received. Whenever I have a problem Customer service is always very courteous and helpful. They listen to my issue and are very helpful and committed to getting it resolved. I get fraud alerts whenever they suspect suspicious activity which gives me peace of mind. They also give periodic credit line increases which is also great. I would definitely recommend Merrick to anyone looking to open a credit card account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0e8b4fb47b5040579c49009db460bf03
encoding: FLOAT32
metadata:
{"chroma:document": "For years I used cash only and had no credit. I was fortunate to find Merrick Bank almost a decade ago. They have consistently served my needs while building my credit. I would highly recommend them to anyone."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 65af2e0fa0344a159a967bfa23dc2841
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank extended credit to me during a time of need, I have been faithful in making payments toward my account, as a result I have been extended credit beyond the original allowance two additional times, this showed me that they have confidence in helping me to receive earned benefits. I am thankful for the way in which they are doing business."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 91e5c692a9634c4dbb156e88526f4f5b
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank was extremely instrumental in helping me to rebuild my credit following a divorce. With timely payments, often in excess of the minimum due, my credit line was consistently increased. They did NOT charge outrageous annual fees which I found was a condition of many other credit cards I received. I have always found their representatives to be friendly and helpful. My credit score steadily increased and I found it very convenient to be able to monitor my Transunion score right on the website. Overall my experience has been very positive. Rebuilding credit is a process that requires responsible account management and patience."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7a9ce6c726554a46801077f2620ac697
encoding: FLOAT32
metadata:
{"chroma:document": "So I had this card, got divorced and couldn't pay my credit card bills. Instead of filing bankruptcy I did credit counseling and paid them off thru them. Well that was over 8 years ago and recently I applied for a loan and got turned down because one of my accounts (Merrick is only 1 left on there) reported my account in debt consolidation. I have asked Experian to remove this account for the second time now and if it doesn't get removed next step will be Better Business Bureau. This is ridiculous. I paid my debt to them and they're going to flag my credit forever. Don't trust them. They charge to much interest anyway. I have excellent credit now however this is not the end until this gets resolved."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 563d5d70b34047258a7d27257aa70e47
encoding: FLOAT32
metadata:
{"chroma:document": "I've had a Merrick credit card for only 1 year. I had only used it in the beginning and paid it off right away. They did double my credit line in 5 months. So that was great. I have several other credit and try to keep my balances low. I use them only when I need them. I just received a very short letter stating that they are closing my card due to inactivity. I thought I was only able to close the account unless it was in default, which is not the case. I am very confused."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6d828903ee8643f4a6b88130c287f1b6
encoding: FLOAT32
metadata:
{"chroma:document": "I refinanced my home to pay off my credit cards, which Merrick was one. All the other cards posted within 7 days. When I called Merrick I was told it takes 7 to 10 days to post. On day 10 I was told it takes 10 to 14 days. They charge interest daily and really milk you out for every penny they can."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c12f481244cb404bab829387fdbfea19
encoding: FLOAT32
metadata:
{"chroma:document": "This is not a good company. I received a application in the mail from Merrick Bank saying I was pre-approved for a credit card. They had already seen my credit and made decision to send me an application. I was not approved online. I thought this was STUPID because who sends a pre-approved application and not approve the person with the certificate pre-approved information. Does not make any sense to me. I called customer service and she didn't know anything. She gave me the address Merrick bank credit card or call back on Monday. She sounded like she was a new customer service rep."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a80466fd1a304793999de9071fd5f83a
encoding: FLOAT32
metadata:
{"chroma:document": "I was a Merrick Bank customer for several years. NEVER late on a payment, NEVER missed a payment, NEVER failed to pay at least the minimum amount due, and 99% of the time paid more than the minimum, usually rounding it up to the next hundred. Never had any issues. I paid my account off in full last September 2017, and due to having received a Discover IT card, hadn't been using the Merrick Card. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5d86b3d9da604f028841145172f43c2c
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank was one of my first cards I applied for after my divorce. At the time, I had little to no credit. I was approved and worked diligently towards building my credit. They were the first creditor to increase my limits. They are easy to work with and have friendly and helpful staff. I look forward to remaining a loyal customer for years to come."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 33490e94cb7842b08d3f72167ff119ff
encoding: FLOAT32
metadata:
{"chroma:document": "What I like about this company was the representative that answered the call. Very polite and helpful. I don\u2019t wait for long to get someone to talk to me. Few questions from the computer and I am talking to real person. We don\u2019t have Merrick Bank in my area. I wish we do."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 19cbff93960e4f26ab8ba593e0b67603
encoding: FLOAT32
metadata:
{"chroma:document": "I have many credit cards and honestly think this one is my favorite. The interest rate is a little higher, but the way they have it set up makes paying and viewing your bill simple. I can pay my bill the day after a charge and do not have to wait for 30 days or until processing. I prefer to keep my card low, but show activity so paying it within a few days of use is what I like. Many other cards do not allow you to pay days after a charge or you are unable to make multiple payments per month. Merrick Bank is easy to work with and fair. I\u2019ve received multiple credit line increases and am notified by a simple email and have electronic bills. Perfect card for beginners, too."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 92178feb41414302a5a1ae7452035789
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a Merrick Credit card for about 2 years and there's no way to request a credit line increase. No late payments and have always paid hundreds more than minimum due. I have $90,000 in a line of credit account and can only spend it with checks or my credit cards. I love my Merrick card but they are missing out on large profits as I am forced to use my other cards. I will provide a copy of my bank statement if it will get me a credit line increase. I am forced to apply for other cards to meet my credit needs as I am remodeling my home."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 709be9cc56bf4f7bb488f3e1c1ae5f32
encoding: FLOAT32
metadata:
{"chroma:document": "We needed a card to re-establish credit with, and Merrick was perfect. They provided credit score info, were easy to work with in terms of online payments, and increased our credit over time. Have recommended to others."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 08d1a920c69d4464893a7259926747e0
encoding: FLOAT32
metadata:
{"chroma:document": "I would recommend Merrick Bank. I love that you are able to make payments online in many different ways, not just with a checking account. Your limits will increase when you pay on time with no charge."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 96aa7a9c7363439b80839dcc04bb92b5
encoding: FLOAT32
metadata:
{"chroma:document": "After our bankruptcy, we were so concerned about obtaining credit again. Merrick took a chance on us and we have been perfect with our payment history. They even increased our limit three times! Thank you Merrick for giving us the chance to prove ourselves worthy."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3896aa4be6e74fc989482651cfb5f193
encoding: FLOAT32
metadata:
{"chroma:document": "So far I am extremely pleased with all dealings with Merrick Bank! While I do have cards with other banks, this has become my favorite to use, as customer service is excellent, and they have been appreciative of my business!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 299b10509b7f4d169a1daeae96264ef8
encoding: FLOAT32
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{"chroma:document": "I have had only good results with you. Only one problem, I have recently had changes in my insurance... now $650 a month deductible. I had surgery in May with follow up visits. Prior to this, ALL medical was covered. Because I receive $20 more a month on SSDI, I now have $650 mo deductible. This has caused many problems... Aug 14th I lost sight in my left eye... and have now gone to 4 eye doctors in an attempt to find the problem. Now I understand that is not your problem.  But just wanted to explain, I am short on cash. I had set up auto payment, but had to cancel because I didnt have the funds. I called to see if I could set up auto pmt for 10-4-18 for $100 to avoid a late payment penalty, but was told they dont do that. So... my payment is late and I HATE that. I have not missed a payment so that might be something to consider..."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: dbe992eb4a8e4f0ca9cd7580845e19ae
encoding: FLOAT32
metadata:
{"chroma:document": "While the interest rates can be cringe-worthy after the 1st year, Merrick is not a bad way to rebuild from a devastating financial disaster. I would recommend once you have rebuilt yourself to find better and cheaper alternatives."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9da593ab3e854aedba4bc06e4ea4f271
encoding: FLOAT32
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{"chroma:document": "I have had my problems with paying the bill online at times because I've had trouble getting in the bank site, so I can pay my bill. Since I'm pretty bad on a computer anyway, I get really disgusted with myself for not knowing how or what to do. I give up and that cost me money cause it makes me late on my payment. I think the bank thinks I don't pay my bill on time because I don't want to. 99.9% is what I wrote above that. 1% happens but it isn't normal, but anyway lately I seem to be getting in a little easier. Now that I said next time I go to pay it, it will probably be a pain in the neck again. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9e388c8c523a46058203ca03a7b3c4d2
encoding: FLOAT32
metadata:
{"chroma:document": "I made a payment twice on my account. The payment shows in your record as pending from the same account I have used in the past. Yes was I able to charge on my card. I asked that the hold be removed, but your rep refused. I was unable to use my card for a transaction of $20 even though I had a balance of over $500 on my account. I asked for a supervisor but the rep told me none was available."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3e3f5545f3284dcc850c2b6a0e8c300b
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{"chroma:document": "I was offered a Merrick Bank Visa shortly after we had completed a chapter 13 bankruptcy. A relatively small credit line with promise to double it in 7 months if I was responsible. It had been 4+ years since we had credit, and they offered a card with no annual fee and a grace period. That made me feel like I was worthy again for credit! I accepted, and in the 3 yrs we have had the card, our credit rating has increased as has our credit limit. I have only paid interest twice, as I pay the balance off each month. Always early or on time. Thanks Merrick Bank for the \"2nd chance\". We have learned from our financial struggles from 2007 to 2014 how to use credit responsibly!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3e39f6dab7554e2fbdeb1d0c4693da3d
encoding: FLOAT32
metadata:
{"chroma:document": "Satisfied, except for monthly fees. I have been a customer for years and I think Merrick bank should consider removing these charges based on experience with customers. I always pay on time and never go over the limit."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 38218fa39bb9470899914507c3358219
encoding: FLOAT32
metadata:
{"chroma:document": "I had two fraud charges post to my account. When I noticed the charges on my August 2018 statement, I called to report the fraud. I was told the charges would be investigated, no payment would be required on the disputed charges, the charges would \"suspended\" pending the investigation, and a new card would be issued. Several weeks later I received my new card. My September 2018 statement cycled and the charges were still showing in the balance with a minimum payments requirement. I called back to Merrick Bank today to inquire why. The rep told me I was still responsible for the charges until such time as the investigation was completed. What a joke. The \"rude service reps\" are an even further stain on this company."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1295cce136c04d4a9bd76bfa2c84d408
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{"chroma:document": "I just got off the phone with a Merrick Bank credit card services representative and a supervisor and I am livid. Over the last 2 days, Citibank, Chase and Capital One all have taken my request to lower my APR and raise my credit line. Merrick Bank will do neither as they do not allow customers to ask for an increase and they will never lower an existing APR according to the supervisor. I have had my card for three years with 100% on time payments. Since I am not appreciated at MERRICK BANK, I will no longer use my card and pay down 95% of its balance by year's end. I am extremely disappointed and will not recommend anyone doing business with MERRICK BANK and it 27% - 32% rates. Definitely sharing to my network and asking them to share as well."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d0c4554d6a4b4367b628c0d1131e5d6d
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{"chroma:document": "I had a zero balance and hadn't used the card in over a year because I kept it for emergencies only. Well, they dropped my limit from $2200 to $300 without notice and then promptly sent me a letter stating that my account would be closed in 30 days for non-use and even if I used the card now nothing would change this. Very unprofessional company. If you have other options, you'd be wise to go elsewhere."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 219fb77f34a448c8850dc51773918dbb
encoding: FLOAT32
metadata:
{"chroma:document": "I'm very happy in my dealings with Merrick Bank. I am in the process of rebuilding my credit & they took a chance on me. What they said they would do, they have & I've had no problems with them at all! Was scared to deal with any credit card people but am glad I decided on Merrick!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 600098e7a3894bc29c0c9a56bc642a1e
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{"chroma:document": "You are the greatest I've heard of in many years. Two hours after midnight at 2:00 AM the day after my seven monthly payments, the balance increased just as you said it would. Thanks to all of your staff. God bless all of you!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 90fb77fd483d4727a4b723bc6d07cf85
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{"chroma:document": "My Merrick Experience, as I call it, has be awing. When learning of a credit card that can help rebuild credit and increase the credit limit with on-time payments. It's like being rewarded for being responsible. It has been great having this card. I have recommended to several in similar situations. Thanks Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 272d446acc234965be8853b2e9892f54
encoding: FLOAT32
metadata:
{"chroma:document": "I am satisfied, with Merrick Bank. They keep their promise. And that is what I was looking for. Good, very good and I keep looking for people like that. I will give a 10. to Merrick Bank. If someone ask for recomendation I will stand."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ad058e41205d454daf9b3d1e230aa4d8
encoding: FLOAT32
metadata:
{"chroma:document": "I am very happy with my Merrick Bank credit card account. No complaints. I had to contact customer service once because for some reason I couldn't get my password to work and they helped right away. I would recommend this card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2dd6818958e1493f8e2843868b8e7bc0
encoding: FLOAT32
metadata:
{"chroma:document": "When I received the pre-qualification offer, what stuck out to me was line of credit $900. But after building a 7 month I believe relationship in good standing the line of credit would double! This card works for me as a revolving credit card, meaning monthly bills, cell phones, credit sesame, Microsoft Office subscription etc. Every month auto pays! And as promised line of credit just doubled! I highly recommend Merrick Bank, and they report to all 3 credit agencies! Thank you Merrick for finding me, and look forward to many years as a customer!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d19e50b4eafa4e37baee1a95773c9e16
encoding: FLOAT32
metadata:
{"chroma:document": "I have found Merrick Bank to be a blessing in helping me to rebuild my credit. They have been more than generous with their credit limit. And then the increase seven months later. I love them. Thank you Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8e3837ae62fa430b844e6c291fc34f6a
encoding: FLOAT32
metadata:
{"chroma:document": "It is a privilege and an honor to have a Merrick Bank credit card. The monthly payments are very reasonable and easy. It is accepted anywhere. I got an unexpected credit increase which was a very wonderful and useful surprise. THANK YOU Merrick Bank for the outstanding service!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: db00681872c64d1db114c2e1fa3aaebc
encoding: FLOAT32
metadata:
{"chroma:document": "What attractive me about this particular bank was the fact that they were willing to give me a second try although my credit wasn't the best. They took a chance and because of that their chance on me, I was able to provide for my family in the time of crisis and emergency."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f25e80ea94f448e7b095c61232b2401b
encoding: FLOAT32
metadata:
{"chroma:document": "I am happy to have this card as it is pulling my credit score up a little every month. Interest is higher than I like, but it will get better. Would like to see a credit increase also, as a reward for on-time payments."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a8fcfb021d8a4df5bff59be24520c1ab
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{"chroma:document": "Merrick Bank credit card is one of the best cards I have ever had. They started me out with a good credit limit and in 6 months if I paid on time they would double the limit which they did. So I cut up a few of my other cards and have this one now. Great job Merrick. Keep up the good work and your word."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 28d7c009696c48c097cbd7f78400d541
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{"chroma:document": "I only use credit cards for emergency such as a auto breakdown or travel. I mailed my bill on the 9th of last month. The bill was due on the 14th. I was charged a late fee. The woman on the phone was very pleasant and waived the fee. I am grateful for that. But it concerns me about your processing of mailed paid bills and your eagerness to charge late fees in a inappropriate manner. I will be hesitant to use your card before others in my possession."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2c2a55b5507b433f9c70d6f203e0dcf3
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{"chroma:document": "Just want to say that Merrick's bank card gave me a chance and I will not let them down. I use that card and they doubled my amount and I really appreciate that. So to all the people that work there thank you and you are the best."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2f8fb57de7704248bad9c57aae80fa60
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{"chroma:document": "It's a credit card... I mean the rates arent the best, but they are pretty good with credit line increases. My issue with them is the late charge... If you forget (we are all human) and rush around to do a bank transfer and the bank transfer comes in the day after the due date even though you initiated it on the due date I dont think they should charge you the 35.00 late fee."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: bd8fbdbafb984dd0a3142fc413cb7aea
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{"chroma:document": "I have been a cardholder for eight months now and I have had a very good experience with the card and the customer associates who have helped me when I needed a clarification. They are quick and knowledgeable too."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f977a3a9b50441c79bb995f167aa1e99
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{"chroma:document": "When I wanted to build credit I went to Merrick Bank and got their card. As long as I did payments on time within 5 or 6 payments they doubled my credit limit. And I continue to make payments on time with the highest credit limit that I have and the rates are reasonable."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fb713943ab134112b52aad7b48e760c5
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{"chroma:document": "Merrick Bank reported a $1 past due to the credit bureau. Had the credit card for 10 years. Never used the card. The $1 was charged on a late membership fee that was sent in 10 days late. I had never had a late charge on this account because I have never used it. I was not aware of the late charge until I went to buy a car and that $1 past due changed my score from 731 to a 629. I could not get anyone to resolve this issue, representative made sure I understood it was my fault and would not transfer me to a manager. Very poor service and poor representative. I would not recommend this card to anyone. In 10 years all I have paid is membership fees."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9549ecbbf8ab4afbb9c0cdc219530884
encoding: FLOAT32
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{"chroma:document": "ABSOLUTELY DO NOT DEAL WITH THIS COMPANY. I HAVE ALREADY NOTIFIED THEM MANY TIMES OF A FRAUDULENT CARD IN MY NAME AND THEY are doing nothing about it. They will let people keep fraudulent cards open and Merrick Bank does not care about the person this is hurting. Their representatives are extremely rude!!!! It's time to start filing a lot of consumer complaints about this company and I am starting today!!! Don't trust Merrick Bank. It will be your worst mistake. Merrick Bank is the worst company ever! Anyone who wants to file a complaint against Merrick... Go to www.Consumerfinance.Gov/complaint. And make sure you report them to the BBB."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a7f32952b07a49edb4d6980c1a8da63c
encoding: FLOAT32
metadata:
{"chroma:document": "Is decent card that does what it says. As with everything make sure you read the small print. Credit increases are given for keeping your account current. They have an easy-to-navigate website and multiple options on there."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ee2ff571db284e86b6d9fc6bed8e709a
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick gave me a chance to be a credit holder which allowed for so many more opportunities for me! Also they said my line would increase after paying on time for 6 months and they weren\u2019t lying. Not only did my line increase but it doubled at the 6 month mark exactly! Thanks merrick!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8c6a474099734fb3b920e9621ddaa6a2
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metadata:
{"chroma:document": "The new website sucks. What was wrong with the old one? It's spread out all over the screen - harder to read. Info spread from one page to another. What was wrong with nice compact, easy to read? Home Depot went to a format like this and I complained to them too. A lot of good THAT did! Wasted space and going \"here and there\" to get all info in one place. Your web producers are DEFINITELY NOT users."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 98c83093e2634223ae02e09e67645cc5
encoding: FLOAT32
metadata:
{"chroma:document": "This bank took a chance on me... Single mother recently divorced needing to build her own credit up. Easy application. Intuitive App for Phone. Came through on the double CLI after 6 mos good payment history. I have never had to call customer service. Completely happy."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b1203359e35c43cd8b06e6792097822b
encoding: FLOAT32
metadata:
{"chroma:document": "Thanks Merrick for the fairness you have shown as I have managed my account responsibly you have increased my line of credit. I look forward to taking advantage of other services Merrick offers for years to come."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 98f5f2703b714d6ba29bec85b5cc739d
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick Bank is wonderful... With my credit history being in not so good standards due to me losing my job then becoming disable Merrick Bank gave me a chance of obtaining a credit card with a credit limit that is within my budget to help me rebuild my credit. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9d19ea55693a4d62aecea0e21cd513cb
encoding: FLOAT32
metadata:
{"chroma:document": "I love Merrick Bank. They are very fair, easy to maintain, love my account. They are helping me reestablish good credit. They increased my limit as promised and it was greatly appreciated. They also have great customer service."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f736b2f9030c4e8799f822d10d3152a9
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metadata:
{"chroma:document": "They are the best bank I have felt with in a long time. They gave me a visa when others had turned me away. They took a chance on me so I am proud to say for my credit card needs Merrick is my choice of banks."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f2d2b16a08f144e08092407111e0d42d
encoding: FLOAT32
metadata:
{"chroma:document": "I really find the app useful and helpful. It\u2019s easy to look at statements and to pay the bill. And the card works every time. I use it for online transactions most of the time. I find the card is a good card for me. I like that it saves me time and is always updated."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 18e7ab2c72ac438496cca3027edadcc2
encoding: FLOAT32
metadata:
{"chroma:document": "This was one of the first credit cards I applied to rebuild my credit and up to now it has been fantastic, it did help a lot to build my credit rating and they doubled the credit line after 6 months. Great card???"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d8d9a62d4f614a769749cd5bc3747efe
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank helped me quickly regain some financial stability. Through on time payments I was also quickly able to raise my credit limit which boosted my credit score. Great online website. Easy to make online payments. Recommend them for anyone looking to open a new credit card account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ac215a3991d0403d80e68e04411061a3
encoding: FLOAT32
metadata:
{"chroma:document": "I've had this card for over a year now after receiving an offer in the mail for a $700 CL. Was approved immediately and have not once had a bad experience since having it. The CSR's are always so helpful and friendly. I use this card sparingly with keep my debt ratio 30% or less and have received two increases since then. I'm currently at $2100. I must say for those of you complaining and posting bad remarks on MB, I was at a 624 Credit Score and they offered me this card. Can't complain and have no regrets whatsoever. They gave me a chance to where your other top dog exclusive Credit Card Companies do not. I'm very pleased and Thank you Merrick Bank!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b9307656e9024be4a06d5e8502fc9504
encoding: FLOAT32
metadata:
{"chroma:document": "I have had the Merrick Visa card for over one and a half years now and never saw a credit line increase to $1400 like they promised because I was three days late on a payment and they have no grace period. There are many other companies out there that give much higher limits such as Capital One and Credit One that offer better terms. DON'T SETTLE FOR THESE LITTLE BANKS THAT MAKE BIG PROMISES!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8dc399d061fe47d2b1d58dbb6fb44fde
encoding: FLOAT32
metadata:
{"chroma:document": "I received a pre-APPROVED card offer in the mail. I responded online with the approval code only seconds later to be Declined. And immediately following I received a email from Experian letting me know that my score was impacted by a HARD INQUIRY from MERRICK BANK. There has been no change in my score since the date I was effectively PRE APPROVED. WHY NOT JUST SEND A PRE QUALIFIED NOTICE? I am checking into this further. It\u2019s certainly not over."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c6c49538e89c47668971d49a524a49ed
encoding: FLOAT32
metadata:
{"chroma:document": "I have always paid this card on time even making large purchases being responsible paying them off within a reasonable amount of time. Never a late fee etc... This is my emergency card with a \u201czero\u201d balance and also thinking I\u2019m being responsible for not using it for every little thing and I get the letter today. It\u2019s closed due to not being used in over a year and cannot be reopened. It had nothing to do with my credit report. I called and said the above and was told a repeat of the letter. I stated I was being responsible and wanted my card reinstated that it was my emergency card. What would I have to do reapply? I was informed online you can only apply for secured cards that unsecured was by invitation only. The July\u2019s invitations haven\u2019t been sent out yet. He verified my address etc... not a happy camper! No warning! Nothing and it will impact my credit score!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1e3d3363d3814037a75d0f84f5069e66
encoding: FLOAT32
metadata:
{"chroma:document": "I opened this account, more than a year ago. Used the card one or two times. Paid off the total owed. Went to use the card again online. My card was put on hold for inactivity of more than a year. Seriously? The card has an expiration date on it. If it is inactive up to the date on the card, then that would be reasonable to deactivate. My card's expiration is in 2021, three more years. I will NEVER be a customer of Merrick Bank, ever again."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8172dadad71146408026708fca19868f
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a card from Merrick Bank for 3 years now. Never late on payment and have received several increases. So far so good. Lately they have restricted my account for access for various reasons. The first time was that they felt that the merchant I was dealing with was a fraud. Note he is a good friend and never took advantage of anybody and has a good reputation. The last time was because I paid off my balance in full from my checking account. Yes that's right. I even put them on speaker phone so a friend could hear them and know I wasn't making this up. Merrick Bank accused me of using someone else's money. They even made me go to my checking account bank and have that bank send them a fax to assure them that I had the authority to pay my bills. Really? I have to prove I can pay my bills? My wife just died and I have some money from insurance payments. Really? Froze my account because I have to prove I can pay. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8dbbd4408dc94b448b694fc94487da56
encoding: FLOAT32
metadata:
{"chroma:document": "I received an offer and accepted it. I got my card and started to use it. Sometime in 2014 Merrick decided to close my account and also my internet ability. The last payment I made was in June 2016 and I never received another statement from them. I think the balance due at that time was less than $100.00. I recently received a letter from a collection agency that said I still owed Merrick a little over $400.00. Having received no new statements from Merrick I have made no additional payments since my June 2016 payment. Because they have not sent me any statements and because I have not made any additional payments they have probably be accumulating late fees and interest charges on the late fees. I am going to try and call customer service and write a letter to the collection agency with a copy to Merrick and see what happens."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2123d290e7ed4f679d7ab0c4ecd49386
encoding: FLOAT32
metadata:
{"chroma:document": "For years I had perfect credit. Loss of job caused me to ruin my credit. Merrick approved a low limit credit card with 6 months of good repayment and raised my limit. I am very thankful for giving me the chance to restore my credit. Thanks Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a80ba142f7864c36b36cc0865de96cbf
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had the Merrick Bank Visa card for 3 weeks. Terrible experience after I made my third payment. My payment was held for no legitimate reason. Keep in mind, my previous payments cleared. I received an explanation saying that the reason behind the held payments revolved around the computer matrix, and the only way I could have my funds were to have my bank fax over a payment confirmation. Keep in mind, I never had a derogatory action against my account. The customer service representatives were ill equipped to answer my questions. So, I made my final payment and closed the account. Stay away from this bank and card. It\u2019s terrible."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5e98e8a3272f472e9b91b35bed266609
encoding: FLOAT32
metadata:
{"chroma:document": "I recently applied for a card with Merrick Bank after receiving a mail offer saying I was pre approved. I was approved and waited for my card. After almost 2 1/2 months I noticed I never received it. I called. Explained the scenario and had another one shipped to me. After another almost 2 months still hadn\u2019t received the SECOND card either. I called and cancelled the account. Then when checking my credit report I was hit with a hard inquiry on the application and then my credit went down because I opened then closed the account all within the first year. Ridiculous! My credit shouldn\u2019t be affected by their inability to get their product to me when given TWO chance with a five month window. Especially when there are so many better companies out there, they should be striving to be better and at the very least efficient at their job."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 44a91c4bd64542f1b1da57a377372447
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metadata:
{"chroma:document": "Thank you Merrick Bank for providing me with a tool, and instructions, for rebuilding my credit after my divorce. An easy to use card with a great online tool to manage it helped me go from deep in debt to over 700 on my credit score. Starting off slow was smart, using the card and paying it off every month. Then, a few months in, after reliable performance from me, you raised my credit limit and that bumped my score. Thank you for what you do."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ac4b5bd91aa34dcbaaa3a6114520435d
encoding: FLOAT32
metadata:
{"chroma:document": "Very user friendly. I can get to all of my information easily. The card has helped me to increase my credit score and I would recommend this card to my friends. Merrick Bank has done well by me and I am very satisfied."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 96cb12688ce1460c9712d28bf2d007c6
encoding: FLOAT32
metadata:
{"chroma:document": "I feel that the card should have more of an option to better serve all type of consumers. Once the consumer who was once working in fixing credit or establishing credit has done so they should be able to have a product that suits their credit as it grows without having to close the card and go to another company to get that."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 08939ab2b092459ca2ae83877a15dbbf
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{"chroma:document": "I purchased a tablet at Walmart.com but the box arrived empty, I even have the proof (the box) and a note from the mailman saying that the box is empty to contact their office which I did but they told me to contact Walmart.com and then follow with a claim from my credit card. Until now they have not credit back the amount of $169.99 plus taxes. Very bad customer service."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b73ee2b67032478cba9cc4f9c1898536
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{"chroma:document": "Firstly a charge of $4.00 a month really! Secondly I noticed on my statement that I am being charged finance charges from the day the charge was made. What the heck is that! Finance charges should not be incurred after the statement date hits and if there is a balance then finance charges are assessed. I have paid both cards off and I am cancelling them and writing to every media online company I can that Merrick Bank are thieves."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c1e501ff8df44734b28482d4188b9d5c
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metadata:
{"chroma:document": "I want everyone to know that I am so pleased with Merrick Bank. They are an efficient company. The one aspect I want to bring out is that they are a extremely fair company. I worked to keep my account current as well as paying more than required. They recognized my efforts and increased my balance allowance. Thank you Merrick Bank!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8db0ad34173d4f24b93d97370e3d371e
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metadata:
{"chroma:document": "I notice on this statement it was two charges of $119. Back in October 2017 there were a charge of $146 Miracle Healing formula. The merchant credit my account in November or December of $119 and Merrick Bank credited my account $27 and some changes under my last account. So I received another card ending in #** so I was that Merrick Bank credited my account three times when they didn\u2019t have to. The only credit from Merrick Bank was $27 so now five months later Merrick Bank wants to tell me that they just now taking the three credits back. $238 was taken out of my balance. Please look into this. I\u2019m very disappointed."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 38a4a59e4b434296b5dc63e631a43d1e
encoding: FLOAT32
metadata:
{"chroma:document": "After filing for bankruptcy the only cards I was able to get had a annual fee which I understood but then I got an offer from Merrick Bank without an annual fee and was able to prove I am still trustworthy and deserve a second chance."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: bbeb75523ce741ba89c315039330b4ac
encoding: FLOAT32
metadata:
{"chroma:document": "I am an ordinary consumer that has had this card now almost a year now and have had great success with this card. I've gotten an increase and as long as you pay your bill on time you will see great success with it. My credit score has improved tremendously. I believe that it is a great card to have that will help you improve your credit, to get you back on the road if used correctly."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 01bc451d932d4146b3f48fa773dbd35f
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank app is excellent. Very easy to understand and use to make online payments. Also whenever I needed to call customer service, the representative was very helpful and knowledgeable. I am very pleased with the interaction I have had with the mobile app and customer service representatives."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0284a4b76d3646f5988f896b22d8c7db
encoding: FLOAT32
metadata:
{"chroma:document": "I am very satisfied with Merrick Bank and the service they provide me. They value their customers and reciprocate my responsible handling of the account they have availed to me. Thank you very much for the financial flexibility you have given me."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b8635488451a4f19925e4ddb7f16434f
encoding: FLOAT32
metadata:
{"chroma:document": "I have nothing but good things to say. They done everything they said they would concerning my account. They increase my credit right when they said they would provided I made my payments on time. Would definitely recommend this card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e5f70a5cff7443f89f53fe9a439adb03
encoding: FLOAT32
metadata:
{"chroma:document": "I have had an amazing, awesome, outstanding experience with Merrick Bank. I would highly recommend them to all of my friends and family. They are always there when you need them. Thank you Merrick Bank, for accepting me as one of your customers. Please don't leave me. Again Thank You Merrick Bank!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 09ee2576fab645129294e9e695103cde
encoding: FLOAT32
metadata:
{"chroma:document": "If you do your part and make your payments on time, this company seems to be fair and other than having a high APR, this has been a pretty decent card to carry. I had the double your credit line offer and my line was doubled as the offer indicated because I followed the guidelines. I was hesitant after seeing some people complain that they did not get their line doubled as offered, but I can only imagine it is because there was something they missed in the requirements because I have had no issue. The only negative really is the high-interest rate."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0b48a2094a644a248f03f390d7e4d201
encoding: FLOAT32
metadata:
{"chroma:document": "I love that I decided to get a Merrick credit card, they offered me a second chance at rebuilding my credit and so far I am deeply satisfied. Their rates are reasonable and it helps promote wise spending. Definitely would recommend."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I\u2019m trying to build my credit. I\u2019m happy I\u2019m approved for only $600 CL. The first time I used it I got declined. And I was in a cab with no cash. So I ended up my friend paying for the cab. SMH!! So I called the bank and they just need to verify my transactions because apparently it caused fraudulent activity. So I got that resolved, the agent told me, \"You are good to go\u201d. But before I hailed a cab I tried the card first at a parking meter to check if it was really good. Card declined. SMH. And it was raining. Then called the agent, while slowly walking home in the rain, then she again said it was good. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Back in November I was notified that my credit score had dropped significantly, I am in the process of building a home to be finalized soon, I contacted Merrick and they said it was their mistake and sent me a letter. Today I received the same call from my bank (1 week away from closing) Merrick reported that I was late in March paying a $4 service charge and it dropped my score 50 points. I called to ask and they told me too bad. Really? Now because of $4 I may not be able to provide my kids with a home. I have auto payment set up so how can I be late?"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I received a very curt letter from Merrick Bank today stating that they were closing my account just because I hadn't used my credit card in a year. My limit was immediately lowered to $300 and it would be closed in thirty days, regardless of whether or not I used the card, and the account would not be reopened. I've had the card for a few years, I used it previously when necessary, and paid off my balance with no late payments or penalties. The letter even stated that it was based ONLY on the fact that I hadn't used it. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I had a Merrick Bank Master Card for 2 years. I rarely used the card and decided to close the account because of the annual service charges. I closed the account in January 2018 and had no balance or payments due. 3 months later they put on my credit report that I was delinquent in my payments and took a 60 point hit on my credit score. Now I have to go through a bunch of hassles to get it corrected. Their customer service was useless and had no explanation for the delinquent reports. I will never do business with Merrick again. Capital One is a much better company with no annual fees and great customer service."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I have never had anything but positive experiences with Merrick credit card services. I have had my had for almost a year and they have been a dream to work with. I am sure I will rebuild great credit after my bankruptcy in no time. Thanks to Merrick Bank!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6346daec62d44127be9e393d823eb34b
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{"chroma:document": "I was disappointed in seeing that my credit line looked to be increased on the website. I went to make a purchase & it was declined. I spoke to an agent that was completely professional, friendly and helpful. The online information was incorrect & the embarrassment it caused me was significant but the agent smoothed things out."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d6b500d9c3654c149a1d6791e65e2e01
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{"chroma:document": "I have truly enjoyed the relationship I have with Merrick Bank. The policies were clearly explained and access to additional information is readily available. There's no \"hidden\" language which makes this an even better choice for financial services."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 358e2fc2b0a64a25a67eceaf261d9d3d
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{"chroma:document": "I have nothing but high marks for Merrick Bank. For me, they have been a good company to work with. However, I do think it's mostly on my part... I make my payments on time, and usually pay more than the minimum. In response, Merrick Bank has indicated their trust in me by raising my limit, which has helped my credit rating. I've had no customer service issues with Merrick Bank. Overall, I rate them highly."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 80a05f7216144e5289cf17444284f91a
encoding: FLOAT32
metadata:
{"chroma:document": "Huge late fee for five days past due. Never been late prior. Was a complete mistake on getting days mixed up. Every other card I have has a 7-10 day grace period. So I paid off the whole $650 balance and have no intention of using the card again. I understand it\u2019s my fault by not complying with your particular policy. Also, my choice to no longer engage my finances with your absurd policies though."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 50be99acd58b4bbaa887109c72493c63
encoding: FLOAT32
metadata:
{"chroma:document": "If Merrick Bank was a person instead of a company, I can say that I would like to be their neighbor. They seem to be concern with their consumers and so prompt in fulfilling their promises. Prompt in responding to consumer concerns."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e4a2b8ec4d4e471bb07411aeaea7be82
encoding: FLOAT32
metadata:
{"chroma:document": "I have had no problems. I appreciate the opportunity Merrick Bank has given me to improve my credit score. I would recommend this bank to anyone. The people having problems having learned the importance of paying back what they spend. This is a good bank. Customer service is very polite."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9f5886c3926543a2ac8df4c68b730483
encoding: FLOAT32
metadata:
{"chroma:document": "The people are very professional, good manners, very helpful and knowledgeable with all the offers your company give. The employees understand your needs and they try their best to make sure you understand."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: dddb4fd73d7f4adca3089d45e80d7835
encoding: FLOAT32
metadata:
{"chroma:document": "It's a credit card account! No complaints! I'm not being hit with massive interest charges after ALWAYS making payments far & beyond the minimum required so no complaints. Now if Capital One worked this way I wouldn't be back in debt so deeply!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ea70b64860e8416bb2cfb4657f6cf214
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has very easy to use online account. I love that they send me alerts and they stay in touch with customers through their online site. This is a card I definitely want to keep! Thank you Merrick for being there!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 01577f6474c6425a9f6c80ec2d6ca3a9
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metadata:
{"chroma:document": "My experience with Merrick Bank has been top notch from the first interaction, to their customer service, to standing fast to their promises, to the credit line increase that literally made my day! Thank you Merrick Bank. I am quite impressed, quite pleased and would recommend this product (Credit Card) and Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9dd8f48282264b07b7d1197d2aa0b025
encoding: FLOAT32
metadata:
{"chroma:document": "I tried Merrick Bank in an effort to better my credit as it had been damaged when I lost a home to foreclosure back in 2010 during the recession period. It was difficult to get any type of credit and Merrick Bank offered me a small line of credit to help me rebuild my credit score. Part of their plan was to increase my line of credit after six months of on-time payments. I made sure my payments were made on time and right about the sixth month they increased my line of credit without me having to ask for a review. A couple of competitors also offered the same but failed to review my performance. When I called to ask, they said they didn't do that and I could request a line increase with a fee. I was very disappointed by this and really praise Merrick Bank for their commitment to honesty, transparency, and for doing exactly what they said they'd do. Keep up the great work!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 09f1071a9de549a2b65760983a066abd
encoding: FLOAT32
metadata:
{"chroma:document": "April 12, 2018 called customer service and found out I had a block on my account. I went through several different questions and they said based on my answers I needed to give them 3 things by fax. I complied and according to them after 3 attempts to find out if my information that was requested was received and the runaround from it takes 24-48 hours to it takes a while. My account is still blocked. I'm just going to pay out my account and no longer deal with the credit card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 79f7e535613349b48a57278ba8e5de72
encoding: FLOAT32
metadata:
{"chroma:document": "Since they changed their new look I had to go change my password because I couldn't remember it and I followed their guide in doing it and it was very simple. This time I wrote everything down so in case they change again I will be prepared. Thank you for making it so easy."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2647aac5f71c412f929b1f8674aae4c7
encoding: FLOAT32
metadata:
{"chroma:document": "A bit of confusion when first opened, but has been a pleasant experience since. Great customer service agents, willing to aid in any way possible, and easy to navigate website. Overall, very happy as a customer and have recommended."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c2d5c04f4f21433787a4141f589a7a6e
encoding: FLOAT32
metadata:
{"chroma:document": "I opened this card almost 2 years ago. They started my account with a paltry $600.00 CL. After almost 2 years, I have never missed a payment and I normally adhere to the 0-30% card utilization max rule across all of my accounts. They increased my CL to $1200.00 after a year approx. Since then, nothing. Since I use my credit wisely, do the math. I can safely use $360.00 on this card. I opened an American Express Blue Cash card a year ago and got an $11,300.00 CL which has already been increased to $17,300.00. This card and this bank is a joke. I'll keep it open for account age only, and maybe a fill up at the gas station every once in a while, but otherwise, it only takes up space in my wallet with no real use. Thanks Merrick."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9bd031bab2d54c6c89103e82ace94a2b
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metadata:
{"chroma:document": "I have been on the phone 3 times with them to allow a charge from a hotel chain in another country to run my card. I've also authorized it via email for the charge to be allowed. The card has been \"reset\" twice... whatever that means, and I'm told it should go through. Each time (all 4, now), the card still gets declined. Then they have the audacity to tell me to not use strong language while on the call - here's an idea, DO YOUR ** JOB AND I WON'T HAVE TO... They complete morons and can't think past the end of their own noses to realize how frustrating it is for a CUSTOMER not to be able to use their card not to mention the countless hours spent on the phone with them and the hotel chain trying to figure out why it isn't working - and you wonder why I'm cussing???? **, SINCERELY. The good news is I have $83.00 to pay off my current balance and I will canceling this card and never using them again."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 56b8808955424a598082f7ae1d56fa59
encoding: FLOAT32
metadata:
{"chroma:document": "My Merrick Bank Card is my favorite credit card and the only one I really use for large purchases. I haven't had any inconveniences with it and my online account has been easy to navigate and make payments on. The only issue I've run into has been not being able to figure out how to add a family member onto my account or if that is even possible. Everything else had been great."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ca9e761adeeb44ee970cb2ae47686c49
encoding: FLOAT32
metadata:
{"chroma:document": "I pay my bills by mailing checks 9 to 10 days before they're due, and 99% of them arrive and clear my Bank within 5 to 6 days. These crooks at Merrick Bank seem to sit on their incoming mail for a few days before they even post your payment, and how convenient for them that in more than one occasion they have posted my payment the day after the due date, after which they hit me with a $27.00 late fee. And when you call them, they refuse to refund the late and tell you to next time mail your payment 12 days before the due date. Gee I'm sorry but it doesn't take 10 days for a letter to travel from SC to wherever the hell they are, and since I have zero tolerance when it comes to dealing with thieves, scammers, and crooks, this is one account that I will soon be closing. This is the one and only credit card company that I have this problem with."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2a032c4bd7194e829df34dd31aa05ed1
encoding: FLOAT32
metadata:
{"chroma:document": "I have held a Merrick credit card for over 15 years. Always in good standing. However, I seldom use the card. The reason being is a simple issue I once addressed with their customer service department turned into a nightmare and went unresolved. I login to the account monthly to ensure no fraud on the account. Today I found it was not able to be accessed and it advised to immediately call their CSD. I spoke with several different ladies (I was hung up on multiple times. I suppose the issue was too complicated for these reps), and finally spoke with Shamira (SIC?), what a joy, as she sang da-da-da-, placed me on hold, then fiddled about and finally said she couldn't help (though this was the number I was advised to immediately call, and that a department that could help refused to take the call but I could try back in 48 hours and they might take the call then.) "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 479e3b43662746b4a72853d2e2b74b94
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metadata:
{"chroma:document": "I received a mail offer from Merrick Bank for a credit card. Said that I was pre-approved!! I got it in the mail yesterday!! There is NO way that my credit rating changed from the time that they sent it to me. Seemed like a good offer and would give me a chance to replace a card that I wanted to pay off and get rid of. So I got online and applied. Now I know that it says that I could be denied BUT here is my problem with that. There is now a hard credit inquiry on my credit report!!! They should not send out these offers if they are not going to honor them!!! It's not fair to the consumer!! If I made a mistake and entered something incorrectly or didn't check all the boxes then I should be able to go back and fix those mistakes. So they don't need to send me any more offers!! Don't waste my time!!! Just remember when you accept one of these offers it affects your credit score!! Thanks Merrick for nothing!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ae22ee9907b6424aac839ccdca57e08e
encoding: FLOAT32
metadata:
{"chroma:document": "After many years of a good experience with Merrick Bank I paid off my card. Never late, good customer and without warning sends me a letter that my account closed for non usage in a year with no balance. In the past year I had an accident and did not work and helped a family member in hospice. I cannot believe this bank's attitude that they will not reopen it. After all the bank made from me from being a good customer without any issues ever. I contacted customer service and spoke with a supervisor Tom. He told me they do not reopen nor advise in advance that there would be action for non usage. I have other bank's cards and if you forget for whatever reason they will advise their customer rather than dump them. This will no doubt affect my credit score and I will say to you to stay away from this bank. Seek other options. THEY DO NOT CARE ABOUT YOU OR THE BUSINESS YOU GIVEN THEM!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5419540958304684acca03151797f903
encoding: FLOAT32
metadata:
{"chroma:document": "Got a letter in the mail, \"Please apply. We will help fix your credit\" which really isn\u2019t that bad. Denied in one second. Thanks so much for lowering my credit by applying for your card. Stop sending me things in the mail. You really don\u2019t help people. It will take me months to fix the damage done to my credit score by trusting your false advertising."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 02a4b5371a4941f0847975fd26e99e9e
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this credit card for a few years, and I reserve it for emergency use. I haven't needed to use it in a while. I received notification from Credit Karma that my account was closed, so I called customer service to ask why I didn't receive notice that this action would be taken. I was told that notice was sent and returned as undeliverable. I have lived at the same address the entire time I had this card. They will not reopen my account because \"we don't do that.\" Even when I told them that I needed to use the card for a medical procedure, they wouldn't do anything, and told me I should have updated my address if I wanted to receive notifications from them. I want to know what address they had (the customer service rep wouldn't tell me)."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 54b8a83a3624482a9f8015b9c21f974c
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metadata:
{"chroma:document": "Got credit card things worked fine. Limit was doubled as promised in amount of time promised. All payments made on time, no over limit. Then after a year by December 2017 credit card account not reported to credit bureaus. Called and got no help at all. This affected my very good credit score. When I do have to do and dispute about charges to credit card. They are ignored 100%. Told not responsible for charges but I pay them off because Merrick Bank does one things only cancel my credit card and send a new one. It takes time and during that time I can\u2019t use my credit card. Useless to call and try to fix any issues with Merrick Bank. Charged annual fee that is way too much and can\u2019t stand. They wait until last day of statement to charge it. Never shows up as charge to pay off. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 90b38444a00e4fd5bb2f5fbbb4747906
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{"chroma:document": "Merrick Bank received a Power of Attorney from National Debt Relief. As a result they blocked my card use. I have paid the card down considerably and did not authorize NDR to contact Merrick Bank. I have placed seven phone calls trying to resolve this issue. The Card Services Department that handles this type of issue is only open for 2 hours, between 3:00 p.m. - 5:00 p.m. (ET). I have called this department three times and have been on hold for the duration of 2 hours, only to hear an automated message stating, \"We are closed. Please call back during normal business hours between 3:00 p.m. - 5:00 p.m. - Monday - Friday.\" Here is the direct number, 877-487-5598. I also sent a letter asking to reinstate my charging privileges."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d4d24769341f4097a771e92ba7891697
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{"chroma:document": "I did electronic bill pay to add more money to my account because I was renting a car and I didn't want any problems getting the rental. I currently have a credit on my account for $78 that I was told couldn't be credited to my card until the $200 hold that Hertz placed on my card was released... The supervisor told me to call back once the hold was released. One day after the hold was released I call back to Merrick Bank and speak with a supervisor to get MY $78 placed on MY account so I wouldn't have to mail a payment out. The supervisor tells me they would have to mail me a check that I SHOULD receive in 7-10 business days. I explained to her that, \"The check you're mailing me will only be sent back to you as payment, why can't you just keep it and deposit it into my account...\" She said they can't. :-( What an unbelievable experience. DON'T WASTE CUSTOMER'S TIME... JUST STOP IT!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ecee2e46475d47aa8b23d75a767c9757
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has been very fair to me and has helped me to rebuild my credit. Of all the Credit Cards for those of us with less-than-perfect credit, Merrick by far has the best rates and fairest fees. Also, no hidden fees and a very user-friendly app. I would definitely recommend Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 80a0fddde3724c0bb6545311bf020124
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick was a great starter 1st credit card. I now have 5 cards all of whom promised to increase credit lines after 6 months of on time payments, to date Merrick is the only one who kept to that promise."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fb833d54dba94d7a8cf9171d7ef50c51
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metadata:
{"chroma:document": "I got a Merrick card and all was going well. I had a bunch of returned payments based on some timing and helping a relative in need. Please note these returned payments were re-deposited and paid. That is the critical point. Any fees associated I paid and they were not returned unpaid. My account was never late and I was not over my limit. I went online to make a payment and saw the account had been closed. When I called, I was told that I was sent to Collections because of the returned payments. I reiterated the re-deposited paid payments and that the account was not late ever. I requested an investigation. I did not receive any reply and called back and was told that the status remained the same. This was reported to the Credit Bureaus as Written Off - Bad Debt. That is completely not true. I called back and asked for an escalation and filed disputes with the credit agencies."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 562906359bd94070906b03b2882a455f
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank had been a great credit card company for me and my husband to help us rebuild our credit. I would recommend them to anyone who needs a starter credit card. We currently have been using ours for 2 years now."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7e5f4979c79f48ddab5835248d2e7a26
encoding: FLOAT32
metadata:
{"chroma:document": "The experience with Merrick Bank has been a pleasant one. Online service is excellent. They kept their promise on my credit balance increase. The statement is easy to read and understand. I will recommend Merrick to my friends and family."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: cae4e6ef80c44293a81c19f5688a7023
encoding: FLOAT32
metadata:
{"chroma:document": "On more than one occasion, it has taken too long to process my payments (made by telephone) after I have a received a confirmation number verifying that the payment was made. The last time it happened I paid the statement invoice amount due about 10 days EARLY(before the due date) and the payment still was not processed by the time my due date came around. I had to physically go to the bank, put the money in a different checking account at a different bank and make the payment again."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 97f71317e4f5449d991e4003c0ba4404
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has to be the most wonderful credit experience I think I've ever had! They have been very good to me better than the people I've had accts w/ for yrs! I intend to be just as good a customer to them! I consider myself lucky to have a card through Merrick Bank. I know I can always count on them! Thank you for taking a chance on me Merrick Bank!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3c4966918e984ca7818912eb540bd214
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{"chroma:document": "I have enjoyed the Merrick Bank credit card. The bank added the credit increase when they said they would and their Rep is always nice and courteous. I would highly recommend this credit card to my family and friends."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f137349b4ec047feae38fd105b14977c
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{"chroma:document": "My experience with the credit card services of Merrick Bank have been great. Having never missed a payment I have been able to get generous limit increase with no difficulty. The app is easy to use to pay my bill. No complaints."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I\u2019ve had a good experience with Merrick thus far. The Android app works well, and I can check my account from anywhere. The notifications are helpful, and I would recommend Merrick to anyone looking for a convenient, hassle-free experience."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Nothing bad to report. I'm able to access my account online with no problem, never had a problem using my card, and after paying on time for several months they increased the credit limit automatically just as they had said they would. Very fair and I would recommend them to others."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Becoming disabled without warning my income temporarily dropped and medical bills rose. Merrick offered me the help I needed to hold on until my income returned. I was able to keep my house and not have to sell anything. Other banks even local turned me away. Merrick Bank trusted in me and gave me the line of credit I needed to hold on. Not out of the woods yet but the end is in sight and by this summer my wife and I will be back on our feet. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I have never had any issues. I have never had to call and talk to anyone. I have always paid on time and try not to go over my limit. I enjoy having this card and am very happy. I would be more than happy to post that anywhere."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "My experience with Merrick Bank has been wonderful. I have never been a customer where the employee really give it all he/she has to make sure that you are satisfied with their services. Love Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fc2baf2bb1af425e9f9e731b134c9a78
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{"chroma:document": "They were there for me at a time when I needed them most. They gave me credit and as promised they doubled my limit when they said they would. Their website is easy to use and I've never had any issues making payments to them. I would recommend them to anyone who has gone thru a hardship and is trying to turn things back around again."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "Merrick trusted me after I worked my way thru Lung Cancer and my Credit took a beating because of my huge Doctor Bills. I will always be Loyal to them for giving me a chance again. I've never been late on a payment and never will be!! Thanks to them my credit score is on the upswing!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d5e076b95c8b45e7b75348cfda146755
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metadata:
{"chroma:document": "This creditor showed me compassion and consideration during a trying time. That touched my heart. None of my other creditors did what they did. I am forever grateful. I will be sure to always keep them at the top of my list. Thank you, Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 361239a734704516a82b8e6bab3ecc5c
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metadata:
{"chroma:document": "I love the fact that Merrick motivates you to keep your payment on time by offering a increase after the 7th month, great incentive. Although my husband didn't get his increase, due to a glitch Merrick Bank had. But We accepted it and are still loyal customers. When it comes to customer service it's lacking training of great customer service because you could have a lot more business if it went a little smoother. We talked to about 10 reps before we could get any answers. We don't even call anymore. We feel like it's just hopeless to get anything done on the phone. We just pay our bill so that we can maintain our credit."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9924b70da7d14fe2b879d4146749d6b5
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{"chroma:document": "My experience with Merrick Bank credit card has been outstanding. Having a card that can cover car rental expense or a simple three night hotel stay (average room rate about $175.00 per night) is so wonderful. I pay the bill on time and in a few months they will double my credit limit... I love this concept, it drives you to make that extra effort to get your payments in on time... WAY TO GO MERRICK BANK!!! Now teach the other credit card companies how to do it."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3973ac1bdb82469f914cddd4b49cfd12
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{"chroma:document": "I have been a customer with Merrick Bank for one year now. I sent them 2 payments in February 2018 for a total of $255.00 dollars. (1 money order for $50.00) and (1 for $205.00). To date my account has only been credited for $50.00! This is insane! I believe they have someone on the inside stealing from customers. Or, they intentionally do not credit your account because of the high interest they charge! On March 10, 2018, l sent them another payment this time for $90.00 dollars. Today, it is March 17, 2018 and still no credit to my account. I am asking that ConsumerAffairs look into the financial dealings (audit) Merrick Bank for scrupulous financial and misleading accounting practices. There is something seriously wrong at Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f08d2d2be74b4d648fd9893fba928d60
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metadata:
{"chroma:document": "I've had a credit card with Merrick since 2012 with a credit limit of $1000. For the first two years, I always paid on time and over the amount of the payment due. I NEVER got a credit limit increase. Between the end of 2014 and 15, I was late a few times because of personal situations. Well I got back on track the end of 15 till now. I've never missed a payment nor been late in over 3 years, still have not received an increase!!!! I spoke with a rep today that looked in my file and said I qualified for an increase back in 2012 but not sure why it wasn't applied and she couldn't see why I haven't received any in the past couple years."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d9ded4835842442682133270b8fad67b
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{"chroma:document": "I got charged for 2 items in 3/17 for 179.48 and disputed the item and then when I got a bill I had a minimum due on the bill. When I spoke to someone there which I found out later WAS NOT Merrick Bank but a 3rd party they told me I did not have to worry about the minimum because it was under dispute. Then I got 2 more charge 4/28/17 for 188.38 and the same thing happened. It was under dispute and then something happened. I was told I did not have to worry about minimum charges because it was under dispute. Then I got a credit for all the charge one in April of 17 and the other in June of 17. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 593523e6a96b441b88696adf63d966cb
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metadata:
{"chroma:document": "I\u2019ve used Merrick for a long time. Got a letter saying, \u201cYou haven\u2019t used your account in a year. This account is closed and will not be reopened.\u201d I called and the lady says this account is closed and will not be reopened. I will never give them my business again. I have credit cards unused in 8 or 9 years without being closed, shame on you Merrick. See ya!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d7e44682d8ca434193f47b79f25fbeed
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metadata:
{"chroma:document": "With my low FICO score I\u2019ve been denied cc from everywhere. Found through Google search. Applied within a minute approved for $500. Now my credit limit is $2000 within a year and CS is 689. Thank you Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c915b4190764421a9b113f23031b4bab
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metadata:
{"chroma:document": "Absolutely no flexibility on the high interest rate. Have had this card 4 years and made on time and higher than requested payments. Now that I want to pay it off and requested a lower interest rate, the customer service rep rudely told me there was absolutely no chance of a lower rate. I think I heard the sarcasm through the phone as she explained the rate was set when the account was opened. And at 26% interest, it's almost criminal. Have since closed the account and transferred balance to a card with much lower interest and better customer service."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ee4df7d8e5884ab39c64faad9c043042
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{"chroma:document": "I got a Merrick Bank VISA offer in the mail. I went online to their site and applied for the credit card. As soon as I input the acceptance certified number I kept getting an error message saying the certificate number did not match. I input the number many times before giving up. I come to the conclusion that this might be a scam to get consumers information. I believe it is a scam because the very number they sent to me did not match. This is not right and I want others to know about this experience."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fd55e9d965fb46ab91ba094c31b44276
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{"chroma:document": "I have been a customer of Merrick Bank since 2012 . Never late with payments. In November, 2017 one of my other credit cards was hack into First Saving. The hackers got into my checking accounts and changed my address to Miami, FLA. Our money was not available. This was a mess. My husband and I live on his social security. For December payment I stop recurring payments because of this. I made my payment 5 days after due date. The csr waived late fee and said, \"Don't worry. It all good.\" The next month MB proceeded to take 92.00 out of my account instead of the 39.00 which was never mentioned to me when I called the bank to let them know what was going on. I did not plan for this amount and I keep exact amount in my checking account because of being hack into. That checking account is now closed because of the hackers. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fde3f47765b34f25b3e9feab0e3b128c
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{"chroma:document": "I'm in the middle to repairing my credit and was only getting offers for secured cards, or $300 limit cards. Merrick just offered $750 which I consider pretty good for my credit score. It comes with an offer to double that limit to $1,500 after 7 months. I don't carry any balances on my cards - pay off the entire balance when the bill comes due, so this will be a very welcomed $1,500 credit card in 7 months. Not bad. The goal obviously is to get my score up farther where I can cancel cards like this that have annual fees, but I'm not there quite yet."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I mailed a check to them and my other creditors 18 days ago. All other creditors have received their check, posted the payment and my check has cleared. Merrick is the only bank who hasn't. Mind you, I'm paying the entire balance. My payment is due today. I'm not certain what their problem might be but clearly there is one. They have doubled my credit limit twice so I do pay on time."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6343ec0a7db544cb915620f466171fa4
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metadata:
{"chroma:document": "I just spoke with one of their representatives and inquired about the free FICO score check they offer. Do not do it as it is considered a Hard Hit on your credit reporting. This is NOT disclosed and I would consider it a breach of some sort as the consumer is not aware of this hit before it is done. There is no clear literature offered before the consumer hits enter."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b5f754c2bb414872a8736cfa90f90cc9
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metadata:
{"chroma:document": "Pissed off Customer who was literally lied to about a pre-approved letter after log in to site to apply for the Pre-approved Visa Card that Merrick Bank Sent Me. I was Denied, Totally ** Because I\u2019m Driven a Brand New Car that I Bought a Year ago & I've made every payment on time, I've got 5 Credit Cards that are all Platinum Cards, I've got a Visa Gold Card with a Unlimited Limit, My Credit Score is 650+, Just Purchased & Built a Brand New $300,000 Dollar Home & You Guys Still Denied me one of Your ** Credit Cards. I will Take my Business elsewhere & I hope you lose Customers over this Review Because you guys have one Highly Pissed Customer."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 71f98b2261be4f30a40af054e12bd0b5
encoding: FLOAT32
metadata:
{"chroma:document": "After having been a customer of Merrick Bank with platinum Visa card, I was just informed that my account was closed due to inactivity and would not be reopened. No communication was received warning of my imminent account closure, just a letter stating that it was closed! This is what almost 7 years of good standing and on time payments (NOT a single late payment) will get you. A call to customer service gave me the same information. All they could do for me is file a complaint, but the account could not be reopened. I was not even offered an opportunity to open a new account. Great customer retention! I am truly disappointed in Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 390dd03ebc5940d9b3cf1e0425afe98d
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metadata:
{"chroma:document": "Merrick Bank is incredible. Their customer service is always helpful. When I was in need of help because of Hurricane Irma, Merrick Bank was the only credit card company who immediately and without question helped me out on deferring my payments with no penalties. THANK YOU MERRICK BANK!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I am really happy and excited about the app. I have all of my information available as soon as I need it without having to get to a computer. Being able to pay through the app is also helpful. I appreciate Merrick Bank allowing me to establish and build my credit profile and I look forward to continuing to be a satisfied customer."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4f6f09f762d74669a95965733f5f630a
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metadata:
{"chroma:document": "First customer service representative I spoke with never processed the request to mail me a new card. She did process the name change, but I never received a new card. Second customer service representative I spoke with apologized and sent me a new card with expedited shipping. Interest rates too high, no cashback or other rewards offered. I've already applied for and received a Capital One Quicksilver card offering 1.5% cashback. If Merrick Bank doesn't keep up with other major banks offering rewards, by the end of 2018 I'll be canceling my card in favor of the Capital One Quicksilver card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 04d19727dab44c70a9f226b32ed55902
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metadata:
{"chroma:document": "Merrick Bank is great! I am really glad to have this credit card as it helps out a lot and is easy use the features. The limit of the card is sufficient now that I have had it for sometime paying my dues. Customer service is excellent as I can pay my balance/minimum by phone or online!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: bcb9136648164fbf91ecd98c1fd469ac
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metadata:
{"chroma:document": "I've been with Merrick Bank for a little under a year now, I've never had any problems with them. The app runs smoothly, the site is easy to navigate, and any questions I have are answered in a timely manner."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2ee2f00a54fa4ea3b914a6710da9274e
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metadata:
{"chroma:document": "I have been with Wells Fargo for 26 years. I branched out to Merrick Bank for an extra credit card when fraud charges began appearing on my credit cards at WF. I have had three occasions to speak to Merrick reps and all I can say is that the company hires \"Wonderful human beings!\" As far as the website... Amazingly simple to use! As far as the service from Merrick... It is tops! If there was a Merrick Bank near my home, I'd transfer my money and open accounts at it, because I've only had absolutely positive experiences."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "Only complaint is that my billing due comes out before my actual statement is available. Very happy with line being doubling for on-time payments! Payments are easy to do as well. I like having to confirm my ID everytime as well."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e8213444600b449bbf8bb99842070213
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metadata:
{"chroma:document": "They told me \"make your payments on time for 6 months and we will double your limit\". It happened without me making a call. A couple days after my 6th payment the increase was there. They would get 7 stars if possible. If you do what they ask they will do what they say."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 90714e4669974e94b3d23501bd1f8998
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{"chroma:document": "I received a preapproved statement in the mail today. My credit isn't perfect but i have nothing negative new in several years. I just paid off a 5 year car loan and I have 5 other major credit cards. I decided to go ahead with this preapproval just to open up my debt to credit ratio. I was denied credit with this company. What exactly does preapproval mean if you're not actually preapproved? It's just a scam to get you to apply for their card with no preapproval criteria met on their end. Just took a hit on a credit inquiry for nothing. You would think with charging the high interest rate and yearly fee, they would accept someone with 97% credit pay rate that I have on my report."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c2ecdccff6004b94b70d1fb99f3d51a5
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metadata:
{"chroma:document": "They offered me a credit card when I was in the rebuilding process. I have not had any bad experiences. They have been good to me. As long as I pay on time and keep my card in good standing they increase my credit limit. Thanks!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 60ea4084bb9f4a18ace15e7e4f7af470
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank gave me a card when the other banks wouldn't. For that I'm grateful. It really helped my credit score. They doubled my limit just like they promised and even bumped it up a couple more times. But now I have cards without annual fees and way cheaper interest. They don't offer cards without the annual fees and they never lower the interest. This is a rebuilder card and it is what it will always be. So, I just make a small purchase occasionally, pay it off, and put it back up. To help with the credit utilization."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "Merrick Bank provides a safe way to extend credit services to me as a customer. They are fair and watchful of usage in unfamiliar locations by verification process which I respect, and a reminder to me to pre-inform of travel use to avoid decline."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fd47d05192b74dc8b52435b60a5acff6
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metadata:
{"chroma:document": "The online app is poorly designed at best. I check the remember me box, and it usually does not remember my userid so I have to enter it again. It would be nice if you could see statements or at least a summary through the app. Sometimes I need to login online (I.e., through my computer because I cannot see what I need to see through the app on my phone and iPad). I would like to see the balance as of my last statement, not just the current balance and minimum payment. I want to see what I need to pay without incurring finance charges. I cannot see this in the app.  "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f3d4961d2e724148aab4a26d556337ef
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metadata:
{"chroma:document": "My experiences have been fine. Only reason for contacting the bank was to get my due date changed. Whereas they were very compliant their process was different and a bit confusing compared to some of the other banks. And on a personal note, their CSRs could loosen up a bit and be a bit more friendly! Joking  ??? Was not their top note??? Otherwise I would recommend them!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 20252e219602430f9b0064084b6dc9c7
encoding: FLOAT32
metadata:
{"chroma:document": "I had a question about my credit card balance and was helped by one of the best customer service reps I have ever had in my life. She was very friendly and helpful. Hope you are able to look her name up and give her a raise and keep her. BTW she spoke perfect English which is important to me, especially these days, plus I was a customer rep myself once. Great doing business with you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e23443e6a7834dd9bd24536ca6d7d3ce
encoding: FLOAT32
metadata:
{"chroma:document": "I found Merrick to be a great bank to have a credit card through. They are prompt with adverse issues, and doubled my credit line after showing good faith without my asking. I have a card with another bank, and do not get this same courtesy. Thank you for your service."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b2ef42ca46f74c8b92469b462dcd61e0
encoding: FLOAT32
metadata:
{"chroma:document": "I have been recovering from my wife's death and a foreclosure; Merrick Bank has given me the extra financial flexibility that I've needed raising 2 kids. I was expecting my credit line to increase when they said it would... and it did. Things are getting better for us... in part thanks to Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f52c7dfef72a437088f14e12b56bb24f
encoding: FLOAT32
metadata:
{"chroma:document": "I would recommend Merrick Bank, My experience has been positive. Opened account in May of this year with a client of $550. Within 6 month limit went to $1100 which was great. It help boost my credit score, so I look forward to sticking around, and I encourage my friends to apply as well."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e674596c9ced4f3dacef734da2ab0f70
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick's outstanding means to be accurate & fair means the most to me. Also the fact that they're trustworthy and dependable. If they say that you're due for a credit line increase they honor that date. Impressive!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7e7a1dea56694c778a8be08e60349c10
encoding: FLOAT32
metadata:
{"chroma:document": "I have decided to write a Review on Behalf of my Credit Card with Merrick Bank. I apply for a credit card with Merrick Bank last year on August 2016. I thought I will be denied due to my credit score. I was very surprise that this Bank gave me a credit card with $500.00 and I had an increase in 6 month of $500. I pay my card before my due date which is the 21st of each month. I have never had any problems with accessing their website. They have everything up to date on my account. Their fees are reasonable and my credit score has been going up."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c87b9d4224a5483da839c6c4aabbe328
encoding: FLOAT32
metadata:
{"chroma:document": "I have been very impressed with the Merrick Bank credit card. Their customer service is always stellar and the way that they calculate fees, etc is fair and keeps their customers in mind. I would highly recommend this company to my friends."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2a2f5798b1b74977b2d1c00e82f0d255
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Merrick for about 8 months and one of the reasons I signed up is because of the double your credit line. Well after 7 statements and on time payments as promise. My credit line was double. In addition they process payments fast."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7c4dbf186d1545679a3e870af486ab40
encoding: FLOAT32
metadata:
{"chroma:document": "The first time I used this card to make a purchase and the credit card company fails to notify me of my payment date or send a bill. However, the company was very good about sending me a late payment reminder. Very poor performance! I will be paying off my balance and closing this account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 26ea80a07eb244cf81c642da585521ce
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had my account for about 8 months. I have no complaints!! Merrick said, \"Pay on time, establish a reliable, consistent payment record, and we\u2019ll reward you.\" I did, and they did. Be an adult, be responsible, and you\u2019ll be treated accordingly. I have no problems with how Merrick has dealt with me, and you shouldn\u2019t either."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5a2c457c17a74aca88768c5b5cf1394d
encoding: FLOAT32
metadata:
{"chroma:document": "I have nothing bad to say about Merrick bank. They have treated me better than I ever been treated by this type of industry. I would recommend them to everyone that is looking for a great experience. I almost have an unnatural affection for them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f58c8a9b3c6a4e7ca00729e5dc9bdfd0
encoding: FLOAT32
metadata:
{"chroma:document": "My account was opened two-three years ago with a $400 credit limit. After aggressive use and payments, in only a few months, Merrick increased the credit limit to $700 and then $1,400 after only a few more months had elapsed. Since then, I've been granted three more $200 increases on regular intervals and the limit is $2,000 today. Great. On the other hand, this account is the single and only revolving account I maintain - considering more than 15 relationships where my payment in full within the new cycle failed to qualify me for interest-free standing."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7fe8c7f01e014bfb8b89f7e43d4c1f8b
encoding: FLOAT32
metadata:
{"chroma:document": "The best feature of my Merrick credit card was the credit limit doubled after I made a certain number of payments on time. I liked that very much. And I like being able to pay my bill with my phone. It's just very easy and valuable features I like to have in credit cards."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 521a8cb0e2dd4d3fa0821f99fa995965
encoding: FLOAT32
metadata:
{"chroma:document": "It is easy to get to my account and view the statements. I wish it was easier to see transactions as I don't have Office on my laptop. I really appreciate the fact that my payments post very quickly and that my available credit is increased right away. I am going to quit using a Capital 1 card because it takes over a week for my payments to post."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1c979f8bd8464a8d8afafe414e9691d8
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick was the card I was able to rebuilt my credit with. They reviewed my account 2 times ahead and gave me $500 credit line increases each time. I have built my credit line with them as high as any of my major credit cards now. They do exactly as they promise and review your account every 6 months without you even having to ask for an increase. I wish they had more credit cards."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 95b25825c1374dff9ea074ad966c2f8c
encoding: FLOAT32
metadata:
{"chroma:document": "I agree like so many others I send my payments in 2 weeks before they're due and Merrick Bank has taken over 20 day past the due date to cash my checks. Then they charge the fee's and they say you're late and we didn't get your check on time. I have went to the post office and took a date and time stamp photo of myself mailing their payment. Well 15 day's over the due date they again cash the check and charged the fees. I told them that I have copies of the date on my checks and they match the date I mailed them and the photos. They just keep saying you were late getting the payment to us. IT'S TIME FOR EVERYONE TO STAND UP AGAINST THIS PRACTICE AND SEEK LEGAL HELP! If someone know an attorney who would like to represent us in a class action suit. Post it so we can all sign up."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 341999888d9a422baa1e6133f1ee7ae3
encoding: FLOAT32
metadata:
{"chroma:document": "From the very beginning Merrick Bank continued to ask me for information I'd already sent. When I finally got the loan, they wouldn't let me pay over the phone without a routing number and bank number. Sure, a company reserves the right not to take Visa Debit or Credit, but it is not in the best interests of their customers AT ALL. It jeopardizes the security of people info and leaves us vulnerable to identity theft. In addition, they charge people $10 for every phone payment they make and STILL refuse Visa Debit. So I decided to mail my payment. Which was never received and I was harassed by their people calling consistently to get a payment then told that their processing dept was behind. Not my problem but evidently they felt it appropriate to make it mine."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e1018ef3c9004625931ed048e2ce3f39
encoding: FLOAT32
metadata:
{"chroma:document": "I must say - I am impressed and very pleased. My score was about 620 (give or take a few) when I received an invitation in the mail from Merrick Bank. I went online and was approved for $700, as the letter stated. I used it sparingly, and paid each balance down before the due date. In 7 months, the Credit Limit doubled on its own - no action required on my point. I knew about the increase when I received a credit alert from Credit Karma in my email. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 95fd00c9d97e4486b97f58057d8eaa08
encoding: FLOAT32
metadata:
{"chroma:document": "Initially everything is going to seem wonderful. Decent amount on the card... Increase after a few months of paying on time... and then the rip off starts. You will continue to make your payments on time but Merrick Bank will post the payments late and charge outrageous late fees... and that is besides that outrageous interest rates. Beware!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0957db4b77904d01b2ad0058ba5a74b5
encoding: FLOAT32
metadata:
{"chroma:document": "I recently sent in a balance transfer money order to Merrick Bank on 11/17/2017. The check cleared Merrick Bank on 11/29/2017. After a week of checking my (I'm an authorized user and payee) account for payment status, I found out that the payment had been placed in dispute status. Apparently they cashed my check and did not apply the money to my account while continuing to charge over limit and late fees. The amount that I sent was for payment in full. I have sent them the canceled check, my bank account records, and all of the required documentation. I was told that the \"investigation\" will take up to 4 weeks while I am still accruing late fees and damage to my credit on an account that I paid off. How is this legal?"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3a547e97cf2c4c29a0c2082ec9b7132d
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metadata:
{"chroma:document": "Back in September of this year I had called to request a credit increase. I was told by the rep on that day that the bank only does automatic reviews and increases and that my account would be reviewed in November. I called today (December) to follow up on this and I was informed by another rep that it would not be reviewed until at least March of next year. Imagine the surprise when I was upset because I am being told two different things. Seriously considering finding another company and leaving Merrick in the dirt."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b7d27280ba0c45549b589c30a14ce347
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has fulfilled the promise of doubling my credit line. No other company has offered anything this good. The only flaw I have found is the minimum payment amount. Would like to see 25.00 instead of 35.00. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9f276ba94230433a9da1af3ba7a97ee7
encoding: FLOAT32
metadata:
{"chroma:document": "Information for Cash Advance - The Customer Service Rep was very Helpful in reminding me that the information I needed was in the packet sent to me by Merrick Bank which I had forgotten about so I was Able to do what I needed."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7c819a55138a498d804427fb5c14b275
encoding: FLOAT32
metadata:
{"chroma:document": "I had very good credit until my experience with Merrick Bank. I've been a cardholder for 4 years, always pay on the 3rd of the month. They hold my payment until it is 1 day late & then post it! Of course charging me a late fee. They've done this 2x in the last 3 months. So I decided to pay online instead. They now claim they never received that payment also! I'm done with them. Be very careful!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6f38978e484e44bfb45a4a44b773f886
encoding: FLOAT32
metadata:
{"chroma:document": "I would recommend Merrick as a credit card honestly; I have not had any problems with the credit card or customer service. They increase by credit limits on a regular basis to a very decent limit. I am satisfied."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: edbba7b2f8b9461baee52b58aa8ead28
encoding: FLOAT32
metadata:
{"chroma:document": "I've had a Merrick Bank card for years and have always been happy with the service until today. I paid off my card and haven't used it in a year but then used it a few days ago and then today I received a letter that my card was closed due to inactivity, that it wasn't a credit issue. I called the card company and they claimed they sent a letter advising me it would be closed but the letter came back as undeliverable however for some reason I received the letter about closing the account. They refuse to reopen and I can't open another account with them unless I open a secured card only. What a horrible way to do business. I even asked if they had tried to call me or email me but she wouldn't acknowledge that at all. I'm furious. I always paid my bills on time and never missed a payment and this is how I am thanked. DON'T DO BUSINESS WITH THEM."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5310b33b90ab44a582e7504937363eee
encoding: FLOAT32
metadata:
{"chroma:document": "I responded to their offer. I was informed that any 7 months of payments, my line of credit would increase. I've never been late, always paid extra every month. It's been about 10 months now. When I inquired about this, I had to fill out another credit card app, and was denied the increase. Don't waste your time with this deceptive practice."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 398bce80f4c14b238b1d5d0373655244
encoding: FLOAT32
metadata:
{"chroma:document": "I love this company. They have excellent customer service. I had questions on a weekend about possible fraud on my card and customer service was right there to give me peace of mind and protect my account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9b4264440a2d4ee6a2d4351797848599
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{"chroma:document": "My husband and I each have a credit card account with Merrick. Every time my husband tries to log in he is told that either his password or his username is incorrect. He is forced to change his password to log in. The next time he tries to log on, it's the same story. His password has to be changed each time he logs on. Today the same thing happened to me. I changed my password, and later tried to log on and was locked out. I have never had this experience with any other credit account. I called the company and the agent said all he could do is have me change my password."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 44c3830be1d64fd7ba8a4923e3b7dc28
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metadata:
{"chroma:document": "I am very thankful for Merrick Bank. After filing bankruptcy I didn't know how to work on my credit score. Merrick Bank offered me a card and it has been great! I truly appreciate them. After making my payments on time Merrick even raised my credit limit. For this I am very appreciative. I would definitely recommend a friend for their card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 229c32de30f04868bdd04add7b1a8244
encoding: FLOAT32
metadata:
{"chroma:document": "I put in my payment and you are holding on to it till 10/30 and I paid it on 10/23. What's up with that? Man you just make me want to cancel my card. I just cannot believe how you treat your customers."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ac53a87f4af44ad4aa99ffec930154d1
encoding: FLOAT32
metadata:
{"chroma:document": "I have been treated fairly and cannot find a single complaint with the credit service Merrick Bank has provided. My only suggestion would be that when they are determining if a person is more creditworthy after a certain time period, instead of constantly raising the credit line they may perhaps lower the interest rate in the same fashion."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 45a205ee8eed43cbb26b33976741c37c
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank promised to double my credit line after one year of consecutive on-time payments. They followed through without having to request an increase. They report to the credit bureaus regularly and helped my credit score go up, dramatically. In addition, their Fraud Prevention department is on top of irregular and out of state transactions. I'm a flight attendant and frequently receive phone calls from a fraud agent to verify my out of area purchases. The only negative feedback is sometimes I'm stuck on hold for an extended period of time to talk to an agent, but it's not too often. Overall, I'm happy with the professionalism and integrity of Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8631b9492fb04e7bafd4855741ffc18b
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metadata:
{"chroma:document": "Because of your giving me the opportunity to use your service I was able to get my credit straightened out and put it in very good standing, not a lot of credit card companies had given me a chance and Merrick did. I always carry your card in my wallet."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d0e23a8472d240e090ee2ca35c5ae941
encoding: FLOAT32
metadata:
{"chroma:document": "Your business trusted me enough to give me a credit card. I really appreciate that. By using it and paying it off each month I am building my credit up. So I give you a 5 star rating. Thank you so much by believing in me."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 574638a9ba3a412f8248141a23d6cbf1
encoding: FLOAT32
metadata:
{"chroma:document": "I would like to appreciate the services of credit card score, alert service and keeping the promise of bumping up credit limit once a customer pays on time his/her balance for a number of months. On the other hand I don't like the user friendliness of the site, the summary of transactions list and navigation aspect. Redesigning the front-end with a more modern template/bootstrap and improving the navigation easiness would result in higher customer attraction and satisfaction. Let me know if you need my expertise on that."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 38bb197c7c8d443d9c27336a9150147b
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metadata:
{"chroma:document": "I have had a Merrick Bank visa credit card for about 3 years. I have always paid on time and they always raise my credit limit. I am at 2700.00 now and owe nothing. HOWEVER, for no apparent reason they keep jacking up my APR. I started at 19% and now I am at 29%!!!! I leave this credit card open for the credit score rating and extreme emergencies!!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0eab8446a07049f1a688a84925b80dba
encoding: FLOAT32
metadata:
{"chroma:document": "I see I'm not the only one they are ripping off with late fees even though I send my payments in 2 weeks before they're supposed to be there. This company is terrible. I suggest you run if you see anything from their company. Do not open a credit card with this company. Go with a reputable company like Capital One. I was going to put my review here with 0 stars but they made me put one so that's the Consumer Affairs. It should be negative five stars for me."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 62d54697c7ed45c7a54e6ab74853acf6
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metadata:
{"chroma:document": "Overall my experience has been pretty good. They seem to be honest and fair with helping people get their credit back on track again. I have been with them for over a couple of years and have only been bumped up once for a credit increase that I did not ask for which was a surprise. I would like to see them offer to not collect an annual fee like some of the other CC companies do. I have referred them to some other people I know. My reason for a 4 star is because of the lack of credit increases even though I now have a much better credit score and charging an annual fee."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c73a8ce0b2564d63a864b393184972d4
encoding: FLOAT32
metadata:
{"chroma:document": "I have really enjoyed my experience with Merrick Bank so far. I have had no issues being able to use my credit and my promotional offer was applied according to the terms, without me having to do anything. I enjoy the convenience of being able to check my account quickly using the app and I find it simple to navigate through both the app and the website. It is easy to set up auto payments and even easier to change/add/delete payments both on the website and in the app. I would definitely recommend Merrick Bank to friends and family."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d0850deb83284916ba7ce3aabd8931a3
encoding: FLOAT32
metadata:
{"chroma:document": "What I love about this card I have I don't get junk e-mails and it's easy to maneuver online. Great bank. Thank you. The one change I would make is automatically lower the consumer's interest rate on their credit card when proven they handle their account well after so many years."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8c2bb22e23a54f1eac990c69bc555cce
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a positive experience with Merrick Bank. I responded to an offer for a credit card, and it was very easy to set up a new account. Making payments is also easy. I would recommend Merrick to someone in need of a credit card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 26edfaae16574c8182e844b1b9fc3041
encoding: FLOAT32
metadata:
{"chroma:document": "I was going to give 4 stars, but the app update earlier this year really boosted my ratings about this bank. I've had a Credit card for many years with Merrick and they have consistently met my expectations for a card. I would like the yearly fee to disappear since I've been a Customer for so long and pay my bill on time every month. That would be my only suggestion for improvement."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 32dcfe9beb1941f49bcd63bae65f9c20
encoding: FLOAT32
metadata:
{"chroma:document": "I was excited to receive my credit card, I am very responsible when it comes to rebuild my credit after recovering from a trained. Everything was going great. I mail the payments for all my bills at the same time. The 3rd of each month, my due date for Merrick is the 17th. Somehow all my bills are credited no later than the 7th. Merrick claims to receive my payment on the 18th but does not post it until the 22nd of each month. Therefore I get a late fee every month. I was credited back 35 once but they have not given me a response on my request. I also sent in a 65 payment they claim was never received. I am now dealing with the money order company to find out if they were cashed. I am cutting this card up and sending it back to them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5485a405f8024357b2c46f729cbb4d48
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank was the first bank to give me a chance to rebuild my credit. I have nothing but positive things to say about them. Then today I went on to my account as I usually do and to my surprise they increased my credit line. Thank you so much for being a great bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5995a48e3afb47d6bb50a57abd408588
encoding: FLOAT32
metadata:
{"chroma:document": "I got my monthly statement and found a 38.00 late. My bill is due by the 27th and I paid that bill at 5:53 Eastern Standard Time. Technically it should have been credited on time. My bank shows paid, but they are claiming it wasn't credited until the 28th. My bank statement also shows it actually wasn't received until the 29th. Spoke with customer service and they say, it wasn't paid until the 28th, so you know. You gotta pay us. I've caught them in a lie, T-Mobile shows phone contact with them on the 27th at 5:53 pm. Go figure, Federal Trade Commission complaint time!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0c0cc7f8339d4e32bbfb5cfcb7b40ca7
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{"chroma:document": "I've been a member since May 2008 - nine years. I've never been over 60 days late on payment yet Merrick has been reporting negatively on my credit report. I requested that my credit limit be increased and the rep read off some nonsense that customers cannot request a credit increase; that Merrick periodically reviews accounts for increases. Well... it's been 9 years... No increase. My guess? They've been erroneously reporting my account as negative so they automatically passed me over for an increase without confirming whether the account is really a negative one. I hate them. I am closing my account as soon as they fix the drama on my credit report. BTW I've already contacted all three bureaus and launched an investigation. Merrick is a waste of my time and money. I want a credit card that actually has perks and doesn't make 9 years of mistakes in reporting customers' accounts. They have been doing me dirty for years and I'm sick of them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a9866bc435cc46faa0569b9cee1cc703
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metadata:
{"chroma:document": "I have had a Merrick credit card for over 4 years. I used it for exactly what their purpose was. Rebuild/establish my credit. All was fine. I charged it up paid it off. Established a good history with them. I have had it completely paid off for almost 2 years. I only used my credit card when needed and not by living above my means. Today I received the ONLY form of communication from them through the mail stating they had closed my account due to INACTIVITY."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 013d8ae28be84b5296e560623b334037
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{"chroma:document": "I set up recurring payments and they submitted 3 times, I called them about this as they reversed the payment and came to say my payment was delinquent and reported it to the credit bureau.They Ignored the issue. For anyone having issues with the bank report them to the \"CFPB\", apparently this is common and they continue to get away with along with charging late fees."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 23e4ccee78d9443fb41341a5ddad9ad1
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{"chroma:document": "Merrick bank payment due on the 17th which I been paying on for the last three years. I got my mail on the 19 that month. Call the bank, talk to Mary **. She said, \"Make the payment on the phone with us now and you won't get charge late fees.\" Well just got my bill on 9/30/2017 with the late fees!!! See you later Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 35b64ed783b44301a8d088e29db445f6
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metadata:
{"chroma:document": "I have never experienced such friendly service when it comes to credit cards. I use this card the most, after 7 months just like the offer said \"after 7 consecutive on time payments, we will double your limit\" and they did. Just amazing."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2b0c57c6aaca41998d92d5d72b24dc06
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metadata:
{"chroma:document": "I'm on SS and get paid on 3rd of each month. I send out check on 1st or 2nd with all my other bills. Other creditors post payments no later than 8th. Why you don't post till 20 something is just a way to charge more interest. I know I'm only 1 little account but if you do this to all your customers 1 or 2 cent times the millions of customers is a LOT OF FREE MONEY. I'm not late on my payments. Last month I made elec. payment so not to give you more than was due by your representatives dragging their feet posting payments. I know that I'm not the only one you\u2019re doing this to so clean up your act."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 35804e210b354a898acd49fc27c5a0d9
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{"chroma:document": "I will never use my Merrick Bank credit card again. I've never disputed a charge before and the one time that I did Merrick Bank made me jump through so many hoops to dispute the transaction and never refunded the money after telling me they were going to. Instead they mailed me a letter asking for the same information I had already given them twice already and they said that if I did not respond by a certain date that they will assume the merchant has taken care of the issue. The problem is by then the time frame had already gone and passed by the time I received their letter in the mail. This is a very low-end credit card and only good for beginners trying to build credit. Definitely not a credit card to be using once you are established."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0f7f1f196e7e42a2aece8e51bc8d2484
encoding: FLOAT32
metadata:
{"chroma:document": "So far, so good. Merrick Bank has held up their end of the contract and has done what they said they will do. The offer was to make on-time payments, of course, and they will double the credit limit. This was done with no issue or even before I knew it was time. The interest rate is a little higher but that's to be expected. This is a rebuilder credit card. I have not had any problems with the use or in payments posting so far. Their website could be simplified as it's not as user-friendly as it could be. Overall, I am still happy with Merrick Bank and its product."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ba6335d78d6a463bb4313e627302b84d
encoding: FLOAT32
metadata:
{"chroma:document": "Start at 700 credit available, nearly max but I keep paying on time got raise. This is Good credit bank no complaints, felt this Merrick Bank is far better than a well known Captial One. Glad they approve me. If anyone asked me which branch they should apply for credit card, I would recommend them Merrick Bank, thanks."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 686b059dbf9640e0bccf0a2139858afc
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a card with Merrick for about 9 months now. Everything has always went smooth and there have never been any problems. They told me to pay on time for 6 months and they would raise my limit. As soon as that had happened they raised my limit, I didn't have to even remind them. I would definitely recommend Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e69715e7e4bf4f70bc6abecc13b02867
encoding: FLOAT32
metadata:
{"chroma:document": "Since opening my account with Merrick Bank, I have had nothing but positive experience with them. I find their pages easy to use, questions are answered easily. It is not difficult to find out my balances, my payment, dates due, my limits. Everything I need to know about my account is right there."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 93c6fb79c38e401aa85f76c1e31d7a8b
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metadata:
{"chroma:document": "I really appreciated that fact that I was able to have advanced cash back within a short period-of-time. That meant a whole heck of a lot. I was able to pay what I had to pay and in return pay Merrick back in full. Thank you for such good services!! More than satisfied."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fa479907633c4c209b6c204829ab0316
encoding: FLOAT32
metadata:
{"chroma:document": "I not had any problems with this company, you live up to your end of the agreement and they will live up to theirs. I called customer service a couple of times. Was easy to get through and the representative was friendly and helpful."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5ce8c88cf30745efaf3c5231de5d0f5b
encoding: FLOAT32
metadata:
{"chroma:document": "I've been pleasantly surprised with how much I've enjoyed doing business with Merrick Bank as a credit card Customer. The website is easy to use. I can service my account efficiently. When my card number was used fraudulently, it was caught immediately. I was thankful of how quickly this issue was resolved."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f1f404623aa747ee8d5e40d96c5b3756
encoding: FLOAT32
metadata:
{"chroma:document": "I don't have any complaints about Merrick. I enjoy having them as my credit card company. I will say the app/website seems not very modern. I'm used to doing everything online and the experience there seems a little clunky compared to others like Citi or Bank of America. But it still has what I need and is easy to navigate."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6a9f555c0a7b42008bb0befe05bfb733
encoding: FLOAT32
metadata:
{"chroma:document": "I appreciate my credit limit being raised recently. While it reflected positively on my husband's credit score instantly who shares the account, it has not shown on mine. I called Merrick Bank customer service to request assistance with this discrepancy but was told they couldn't help. Discouraging when I am trying to build my credit with this account yet it's actually not helping while my credit availability to limit ratio is not accurate."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b32da257ffa04b8e87a62c2d1fec9508
encoding: FLOAT32
metadata:
{"chroma:document": "I would recommend to anyone. They are a very good company and I love my card. Easy to access my account. Really love that. Have not any trouble with them at all. Have had my card for a few months and no issues. Paying your bill on time and before really pays off."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 89d0324d106e45f3bde0ec71bb916b6b
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metadata:
{"chroma:document": "A very well organized Bank. Mobile page fast, accurate and up to date and easy to navigate. FICO scores available monthly. My credit limit was doubled after only eight months and didn't have to request an increase. I have some uncovered Medical procedures coming up and plan to use my Merrick Bank card. Thank you for providing a great customer service experience."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 70ca68ed2d854b74881449b901966025
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metadata:
{"chroma:document": "I have been trying to dispute a charge on my card. A rep at Merrick told me I need to fax a written document. I have faxed 5 times in last week and not once has it gone through. When I call Dog in disputes is rude and has no advice on how to get them to you. Maybe I will close my account and go with a company who has working machines. Very disappointed with customer service and attitude."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 87bf5ce612784fad9c7ef93593825bb4
encoding: FLOAT32
metadata:
{"chroma:document": "The only problem I have with the bank is that you mail your payment 12 or more days earlier and they still ends up charging you for late fee. I can you be late mailing your payment in that much time earlier. Apart from that to me one of the best bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e5c57044ef894812b0714694c3b16c3e
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick has allowed me to rebuild my credit. It takes a long time to repair your damaged credit and they gave me a chance. I have not let them down and they have not let me down. Thank you for the opportunity."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4d53c38bf0ab4de8a7996a2684597675
encoding: FLOAT32
metadata:
{"chroma:document": "Your $95 'acceptance' fee for merely *receiving and using* the card, should have been in BOLD at the top of the offer letter. Instead, it was buried in the body. Had I known there was this fee upfront, I would not have accepted your offer for the card. I already HAD a credit card, given freely without fee by my Credit Union. I only now accept card offers WITHOUT this fee."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b41e3b7bc2c9464a9a6544de86ddfc55
encoding: FLOAT32
metadata:
{"chroma:document": "Getting my Merrick Bank Card has been of the best experiences. They have been exactly what they said they would be, with promised Limit increase and accurate reporting to the Credit Bureaus. I like them because they don't have all the crazy fees."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 28e35ef9514849318bb214ef9bb9aba9
encoding: FLOAT32
metadata:
{"chroma:document": "Charges and no rewards program. That sucks, being loyal customer and making the payments in full does not drop the Monthly/Annual Fee. Encourage more and more people to write reviews, who are in the same boat. They don't even have a rewards program so, we can use card and earn points and claim rewards. There is no purpose to spend using this card..."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ba9ccb686b2d4315a1d2a90c8c4e4baf
encoding: FLOAT32
metadata:
{"chroma:document": "When I received my card from Merrick Bank it was a five star company and just today I received a letter stating that my account will be closed due to not using the card for the last year. This is not due to my credit history with them or others. Which my credit is perfect, no late payments of any kind. All bills are always paid in full. It also states that even if I use the card in the next 30 days the account will still be closed. They dropped my card from 1200 to 300 already. So if you want to have a card for a rainy day this is not the one..."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 97bf25e8a463481ebc96b4a161335ff0
encoding: FLOAT32
metadata:
{"chroma:document": "Website really easy to navigate and make payments. Love credit score update. Satisfied with periodic credit increases. Wish for automatic interest lowering review semi annually or quarterly. Would like to eliminate annual fee."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c815ec70d6a94df1a3498b0c62600747
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metadata:
{"chroma:document": "I applied for a business loan today. All my credit cards are paid off. I am do proud of myself. Only to get a denial for excessive late payments. Apparently there is a 2.00 monthly charge applied monthly to my Merrick credit card and my last month's score was 740, today I checked it's 657. I called to find out why didn't get a courtesy call for the 2.00 monthly charge. I would be glad to pay. Her response was an email was sent to an old email address. When I checked I felt so violated I cancelled the card. It was only 2900.00 credit limit. But to ruin my life for 6.00. And technically it was 4.00, the 3rd 2.00 was due later this month. Morally I believe this is wrong, and this report should be rescinded. I felt so helpless I just sobbed for 5 minutes. I am usually a strong woman. This incident just shook me to my core."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 673610ff718644d48c4ff95a0a53843c
encoding: FLOAT32
metadata:
{"chroma:document": "I have had only good experience with Merrick Bank. The website is easy to use and all actions with Merrick have been very pleasant. My card is accepted everywhere and have had no issues with the use of it. I would recommend Merrick to any of my friends."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: dc3c2d753952478e8b22e0c3ba2e265f
encoding: FLOAT32
metadata:
{"chroma:document": "This bank offers a line of credit increase if with 7 months no late payments are made. Yet when you make your first payment over the phone through the automated system it apparently sets your payment up to be pulled the next month's due date therefore making your payment late. I noticed that the payment had not been pulled from my bank account after a week so I called them and questioned why the payment had not been pulled. And they said, \"Your payment shows pending to be pulled out on the following months due date.\" I told them, \"No. I had made on the due date and the phone system said payment has been processed.\" So I then told them to reverse that payment that shows pending and process my payment immediately. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0ce958872092477290d455564460c5da
encoding: FLOAT32
metadata:
{"chroma:document": "The first few months of having their credit card was fine, then around the sixth month with absolutely no changes in the way or time I sent my payments in they started posting late. I called the bank only to be told \u201cIn your contract it says we need 15 days or more to post your payment\u201d, WHAT? How would the payment ever get posted on time. I sent my payments in with three weeks to make it there and I am told that's not enough time!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5b63e022d4fa4eea8293c67f847c76aa
encoding: FLOAT32
metadata:
{"chroma:document": "I like all the features of this card. I've had cards in the past and present that stick you with unnecessary fees that almost make it impossible to repay and I like that this card doesn't have those which in time I'll be able to pay it down and hopefully off. Not to mention that I have one card in particular that the payment fluctuates with how much is charged on the card which makes me like this card even more since that doesn't happen. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2ff0ba8ebd804501b2e72644d7e5f164
encoding: FLOAT32
metadata:
{"chroma:document": "I am happy with the card. The interest is high and getting hold of CS, via any method other than phone (when you can reach them that is) is impossible. I do wish that CS was reachable via methods other than phone and mail."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 744ccf73fe9143f5a74473242534d76b
encoding: FLOAT32
metadata:
{"chroma:document": "I am thankful for Merrick Bank giving me the opportunity to get my credit back in shape. I had a few bad years with dealing with my significant other's cancer. Some bills became overdue. He has since passed away and I am trying to rebuild my life."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: dda7250fac184bbd825eb2fd65a4e8a9
encoding: FLOAT32
metadata:
{"chroma:document": "Never had any problems when calling the 800 number. Always professional and courteous when dealing with customer service. Online, the website is user friendly and I am able to look at my credit score each time I log in. I am very satisfied."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 51888870ac3c45bfa04fca86fed2d5d6
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick has great customer service and an easy to use app for easy access to your account and transactions. Their payment process through the app is smooth. The only thing I wish they would do is to participate in Samsung Pay and/or Android Pay. I have used these services before and they are very safe and satisfying to us. If Merrick could get on board with one or both of those, I'd be a very happy person."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2e64e6f7e92c4dbeb893adf0e094a26e
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metadata:
{"chroma:document": "I am super thankful for Merrick Bank restarting my credit and making their tools available to help me monitor my credit. It has been years since I have been able to have a credit card of any kind with my very shotty score. But Merrick has saved me now my score is in the 700's."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1c470f37b9304a8c8bbfeb72107653ff
encoding: FLOAT32
metadata:
{"chroma:document": "Words fail me to describe my experience with Merrick Bank. Suffice it to say it has been an amazing journey that has exceeded all my expectations. Merrick Bank is one of those things you would think could only exist in the realm of imagination."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3109a2e9c83741dda0679926a742fc22
encoding: FLOAT32
metadata:
{"chroma:document": "It's been barely an average experience. If there was a 2 1/2 I'd choose that. Nothing stands out; interest rate is high, fees are high, and no rewards. I did a balance transfer to another card and the check was returned as the wrong address (which it wasn't) which delayed the whole process. I wouldn't get this card again."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 77854f69b04f48b394c0e8956f97428f
encoding: FLOAT32
metadata:
{"chroma:document": "Excellent. It is a great card to have. Customer service very easy and helpful to work with. Wish my other cards customer care were as pleasant and helpful as this one. I certainly tell my friends to apply for this card. The only thing that could make it better is if my interest rate gets lowered."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ee06ee4e7db54f279c49b8e448e2afaa
encoding: FLOAT32
metadata:
{"chroma:document": "My experience has been decent so far. My only complaint is how high of an interest rate they have vs. competitors. But, if you have poor credit and are trying to rebuild it, you have to take what you can get."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c7bd8077f6984bfab2c7a5e553605022
encoding: FLOAT32
metadata:
{"chroma:document": "My account was supposedly closed months ago when I had paid off my acct. I got a late payment notice through one of my credit monitoring sites this morning. I called to find out why, considering the people at Merrick Bank are the ones who told me they closed my account. I've had this acct for roughly 9 years and have always made my payments. They refused to remove the fees and annual fee. I cancelled the card for sure (if she actually did as I asked) this morning. If I ever have to deal with this shady company, it'll be too soon!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5e50a5e205834f33ae35b74fcc6c73c8
encoding: FLOAT32
metadata:
{"chroma:document": "I'm pleased with my Merrick card because after less than a year of on-time payments my CL was doubled- I didn't however, get any notification of that which would have been nice but I eventually logged in and saw the increase."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c3784d739aee4cd994222b7a2a4ba6b8
encoding: FLOAT32
metadata:
{"chroma:document": "I had never heard of Merrick Bank prior to receiving the credit card offer in the mail, but when I read over the terms, I was pretty impressed and decided I would give them a try. They have been super easy to deal with, extremely professional and I simply couldn't be more pleased - first class all the way. I will be a loyal customer for years to come."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1b6f72b764ce4413b086c0e5253992b2
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick is definitely not the card that \"screws your over\" like some of the reviews mention. My guess is those people aren't very responsible and look for the opportunity to blame someone else. I get regular increases and never have issues."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b8f241a6f0b1456aa04d386b815bd8b5
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a card with Merrick Bank despite some negative reviews which I should have taken more seriously. I believe this bank purposely processes payments late so that you get charged a late fee. I sent my payment in plenty of time and was shocked to see a $27.00 late fee. Do yourself a favor DO NOT APPLY for a credit through this bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b95a2cecde8c4cd6bdd01eb627b93221
encoding: FLOAT32
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{"chroma:document": "I always mail my payment 1 to 3 days of getting my statements. Mailed Credit One off the same day, payment posted on the 8th. Merrick as of the 20th when my payment is due still haven't posted which now make me late. Trying to rebuild my credit. Can't do this with companies with these type of practices."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c88610696b9c416a858c466022ce15a3
encoding: FLOAT32
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{"chroma:document": "My dealings with Merrick Bank have been subpar. I have had a card with them for 2 years. My account was closed and charged off with no notice or even a phone call. I have had issues with my bank which have since been resolved. A phone call could have prevented this situation. For a company that claims to help consumers they have completely ruined my credit. 1 letter and no phone calls? Would be... Could be... Might? Is no way to run a bank offering charge cards to build or reestablish credit. My suggestion? Don't do business with Merrick bank!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 040e1c9065f148f9a7088ea127b2b407
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metadata:
{"chroma:document": "I\u2019ve had this card about 2yrs or so. Until this year (Jan 2017) they started processing my payments after the due date and charging me the late fee plus interest! I called them. Nothing happened so I contacted the FDIC and voiced my complaint. Merrick then credited the late fee for 3 months. They told the FDIC that they had mail delivery problems due to bad weather. Bad weather for 6 months? Really? Well they did it again so I had to file another complaint. I\u2019m on social security and I mail my bills out the same day every month. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d4f5b65cd3224f63af7fbd797e5a045c
encoding: FLOAT32
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{"chroma:document": "I had my Merrick Bank card for several years. I was unhappy with the very high-interest rate, but I paid the card off three years ago and just kept it on hand for emergencies. Then the Merrick Ripoff started. I had never been so much as a day late with a single payment, and I paid off my Merrick VISA card balance way early. Then, when a relative had an emergency I let her charge $1800 on my Merrick card and she agreed to make the payments. She has done this, and still never a late payment on the card. And yet, for some unfathomable reason other than corporate greed, out of the clear blue Merrick Bank sent me a notice that they were jacking up my APR to 28.45% (and 33.45% for cash advances). This is in addition to a flat $4.00/month that they charge for, I don't know, the privilege of letting them screw me over with ridiculously high-interest rates? It's greedy companies that do business like this that give Wall Street such a bad name."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 00052bde4198467cacd2c87beb18a879
encoding: FLOAT32
metadata:
{"chroma:document": "I usually send a check through my bank to make my credit card payment so I have a record of the payment. Over the past two years the payment has posted to my account on the day my bank says it should be there. This time I sent a payment to pay off the credit card and the payment didn't show up. I contacted Merrick Bank on several occasions over a thirty day period to see if they received the payment. They said it never came so they suggested I have my bank cancel the payment and reissue the check for security purposes. I did just that. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c8c7a1d777ed4b2385fc4e2a9cea17c2
encoding: FLOAT32
metadata:
{"chroma:document": "The BEST card to have! - ABSOLUTELY NO upfront program or annual fees to pay, and as long as you make your payments on time you will get a credit limit increase!!! Even though I had bad credit and with me trying to rebuild it; I was given another chance to prove to creditors that I can and will be responsible! Thank you MERRICK BANK for giving me the opportunity and for keeping your word! :)"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 25995dbc69764285aef579806de2baac
encoding: FLOAT32
metadata:
{"chroma:document": "I have appreciated having this credit card. The service has been very useful. I find your web page to be a bit awkward from time to time -- the dropdown menus are very sensitive. Now that I have proved to be a reliable customer, I appreciate a larger line of credit but I would even more appreciate a lower interest rate. I will be shopping around soon."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1b052d33b4e646a6a223f18f88fecb51
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{"chroma:document": "I have always been given prompt, professional, knowledgeable service from Merrick. They are courteous, patient and friendly and will do their best to resolve any issues immediately. They do what they say, when they say and follow up to make sure if customer satisfaction. I would recommend them to anyone."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d727376b3b1a4418b2951281c38a38e3
encoding: FLOAT32
metadata:
{"chroma:document": "I am very please with the credit card company. Everyone is very helpful and professional. Great card as well. The only thing I wish the limit on the card would be higher. Other than that perfect all around. :)"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2adff5369ad04f0c94b91c4c762848af
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick Bank online is a very good one. It is so easy to understand the layout, and maneuvering through each section is such a breeze. Also, maintaining your payments on time, has its rewards."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: af026e8f8dc14404a41cc35bc42b3e36
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank helped me get back on my feet! After my divorce, I struggled because I had no credit in my name. Merrick bank approved me for a small amount, and over the years, after paying on time, I've been able to increase my credit limit and my credit score! They have been an important factor to my financial success!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e13ee03d47fd4383a354a80572ba87ac
encoding: FLOAT32
metadata:
{"chroma:document": "I joined Merrick Bank because they promised to double my available credit after 6 months of paying on time. They did as promised. They also have easy to read statements and on-line payment. I am happy with this credit card company."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ed81aba54a8f4033ac38b4da3195f630
encoding: FLOAT32
metadata:
{"chroma:document": "I made $500 payment from my checking account on 6/20/2017 that wasn't fully credited until 6/27 I was told for verification purposes. This hold seems unreasonable and will affect my likelihood of using this card in the future."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4ddf52208c064501a5499e1a949804d0
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metadata:
{"chroma:document": "Merrick has been wonderful on helping me rebuild my damaged credit, after my husband destroying it by making me and my 11 year old pretty much homeless. It's been a struggle. Without credit it's impossible to establish yourself to obtain anything. They monitor your account and quickly pick up on fraudulent activity. They notified me right away. All I can say is thank you for a second chance."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1abf514229414442868bee50813c204c
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has been wonderful for myself and my wife. Given the opportunity to rebuild my credit, Merrick did exactly what they said they would do. The website is easy to use and I appreciate the opportunity to be trusted again. My wife has also opened an account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 26b505b30eb743f187b03e824c272a5b
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has provided great incentives for making timely payments. I appreciate the double your limit program when I made 7 consecutive payments. Customer Service team answered any question. Very pleased with Merrick Bank!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5166b917c82f4f30802c5723355e018c
encoding: FLOAT32
metadata:
{"chroma:document": "I use Merrick Credit Card for a lot of my purchases and have not had a single problem. If you need to contact the customer service department they have been helpful and friendly. I would recommend Merrick Credit Card to my friends and associates."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 996e7295f12a4e7ebfd74e11472edc3b
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has been a good resource in establishing and building my credit. They are responsive and supportive to customer needs. I had not heard of them before, so I'm so glad I was given the opportunity to apply for their card, since it's been a great and dependable one to have!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c0c7dd7ef04f464995b6136f54228a9c
encoding: FLOAT32
metadata:
{"chroma:document": "I don't like having to paying a service fee for A 2nd card or yearly service fee either with the high interest rates. Chase nor Capital One Charges me any service fees. That's why I paid the card off and stopped using it."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e79b88c41cbf4c0bab775e5856bfa820
encoding: FLOAT32
metadata:
{"chroma:document": "I have not had to contact customer service but I am able to do everything through the app on my phone. The app is a great way for me to maintain everything and pay more statement on time every month. Thanks Merrick!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 78c03fbcf6bf4f6392b63e9c68aa8fa5
encoding: FLOAT32
metadata:
{"chroma:document": "I have been pleased with my Merrick Bank card thus far. I am not pleased that there was an initial set up fee, and now an annual fee. But other than those two factors I am pleased with the card. It provides for all of my consumer needs."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 882be7cfcb7544ee93ec94c606bb303a
encoding: FLOAT32
metadata:
{"chroma:document": "Just finished my first year with Merrick Bank, have been re building my credit and Merrick was my start. After this first year my credit score has gone up and they have been a great help. Couldn't ask for a better service and excellent rates. I plan to keep them as my #1 credit and can tell my line will get stronger. Thank you Merrick Bank!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b7f43e3d410d48678681e739a58daaed
encoding: FLOAT32
metadata:
{"chroma:document": "I am so sorry I ever accepted a credit card from this bank. It does not matter how early you mail your payment. They will not process it until at least a week after it's due thereby allowing them to charge exorbitant fees. I hate this bank, I do not have a high balance and pay well within the 14 days of the due date but each payment I have sent has been processed after the due date. I use Chase bank for another account and never have any trouble. Payments are received and processed with a week. Even if they are mailed via USPS. Lesson Learned I'm closing my account with these gangsters ASAP! DO NOT USE MERRICK BANK."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1c8e40dbe44547809689698e343c1bc9
encoding: FLOAT32
metadata:
{"chroma:document": "I don't use my card anymore because I was making the minimum due, but wasn't getting anywhere as far as my balance going down. I paid more this month, hoping it would help. Now, for next month, they want $70 minimum due rather than around $39. Last time I spoke with them, I talked with someone in India. They are impossible to understand and I don't have the time to waste trying to talk to them. I want to cancel my card without having to speak to someone. Had I known dealing with them would be such a problem, I would have avoided them like the plague."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: bc3b1d6c823f418dbd9f9a9218f816d2
encoding: FLOAT32
metadata:
{"chroma:document": "I was offered a credit card with this bank, only to find out the offer has ran out. I have never had a problem like this, why offer in the first place. This bank is full of crap and now I will never do business no matter how much they offer me to apply. Don't go for such a scam as this is!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 176938016a394c838c16b70e59c12092
encoding: FLOAT32
metadata:
{"chroma:document": "I'LL NEVER DO BUSINESSES WITH MERRICK AGAIN. I paid the full balance of $ 128 and mailed it on 6/1/17. It was due on 6/5/17 now they say the previous bal. was 174.77. They wait to cash the check so you'll be late. It's a scam. I cut that card to pieces."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 05957ad24cc743438d0dd63b5410e406
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank notified me and asked me a few questions about my account and they advised me what to do and they closed that account and opened a new account with a new credit card without any charge to me and they even put back the money my account was charged before the account was closed. They also gave my account credit increases upon their review of my account. Also when my bank stopped a payment by error they didn't charge me a late fee or raise my interest fee. Their agents are very professional even when I'm locked out because my password didn't work. They walked me through the password change."}


# embedding_metadata

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Very easy to use to view statements and make online payments. Your representatives have been courteous and helpful when I have called with a problem. And when there have been questionable charges on my account I have been contacted immediately. I would definitely recommend Merrick Bank to other family members and friends!


key: chroma:document
string_value:
Merrick Bank has always been good to me for business. I can rely on Merrick Bank to make sure I have a great Banking experience. Merrick also rewards me with credit increases when they see that I have been credit responsible customer. I'm pleased with their service. I would recommend Merrick Bank to anyone who's also looking to build their credit.


key: chroma:document
string_value:
Times are tough for everyone and I have worked very hard to get my credit restored. Due to BOA antics I had to file for bankruptcy twice in 6 months and both times I asked to withdraw and the judge did so and recused both. However, I have written to bureaus several times for it to be removed from my file to no avail. Because of this I have a higher interest rate and I have to accept it until that is removed from my credit file. All in all, I am grateful for the credit line to rebuild my credit. I have always made payments on time and more than minimum due. Thank you.


key: chroma:document
string_value:
I can not asked for a better Credit Card Company, Merrick Bank has been the PERFECT situation for me and I am truly grateful to be a customer and to be a part of beautiful customer service that you give. I NEVER had to call to asked for a credit increase and anytime I had a problem with anything you guys ALWAYS took completely great care of me. I want to say thank you and keep up the wonderful work. I wished you had a bank that I could deposit money into because Merrick Bank would my personal bank and I will do ALL my transactions to you.


key: chroma:document
string_value:
Updated on 02/10/2023: I was happy to sign for a new credit card by Merrick to continue to grow my already good credit score of 730. Merrick sent the card, I used it and made my first payment right away. I used it the second time and wasn't aware when payment due dates. I noticed a huge drop in my score of 79 points, that was listed to Merrick said I had a late payment,...but I never received a payment due date. I immediately paid the balance of $190, called them and customer service rep. said my due date is the 9th every month. But it was listed Nowhere on the original paperwork I was sent with the credit card. I wrote a letter asking them to delete the late payment on my credit and I'm Still Waiting for that correction to my credit score!


key: chroma:document
string_value:
Overall I enjoy the card and use it over most of my other cards, my husband had one and I he was very happy with it. They always followed through with increases as mentioned when signing up or applying for card. He uses his quite often also. I applied and was approved and got my first increase like they said I would, I never miss a a payment and pay early but for whatever reason my increases stopped for no reason. I have waited thinking I was off on when I would get one but still nothing. Either way it's still a great card. I use it often. It offers cash back and is accepted anywhere I shop online or in store and it's secure. Have never once had hacking issue or fraud charges.


key: chroma:document
string_value:
What started out as a not so good experience turned out to be excellent. After about 4 tries to get a rep I finally got Omar. He is the epitome of what a customer service rep should be. He was courteous, knowledgeable, and helpful. Whomever the HR person that hired him take a bow and be on the hunt for more. Omar represents Merrick Bank well. He restored my confidence in your services. If I ever need customer service again, Omar is the only way that I would like to talk to, even though I know that will probably be an impossible task. Take a bow Omar, you are an original.


key: chroma:document
string_value:
Absolutely wonderful. Definitely recommend this card to anybody. Absolutely no issues with it and great service all over. Really glad I chose to get this card and hope to continue using it for a very long time. I have no complaints at all. You can use the card all over and it's widely accepted. It has nice designs and I've had no issues.


key: chroma:document
string_value:
I have been a Merrick customer for about a decade now. There has never been a problem, dispute, or even a call to customer service. In this day and age, that is phenomenal. Truly happy with this company and have recommended them to many friends. Thank you for your continuing service.


key: chroma:document
string_value:
I have only been with MB a short while, so my experience is limited. But everything is going seemingly well. The information I receive is timely and my card records are always up-to-date. I would recommend MB to friends, and I hope that we will enjoy a lifetime relationship. Thank you.


key: chroma:document
string_value:
Haven’t been with you that long. So far so good. I guess it’s my fault for not reading over my agreement and accepting guidelines. So I think I was late on first payment. Which unfortunately I really could have used a higher credit limit. All in good time I guess.


key: chroma:document
string_value:
Satisfied with experience. I would like a greater credit line, considering the length of time I had the card, also, I believe that the annual fee should be removed. I like the credit card and continue to use it, but, the credit line leaves something to be desired. It would be nice to receive a credit line increase of $5,000.00 or more.


key: chroma:document
string_value:
I needed assistance freezing a misplaced card and the service advisor was super helpful. The service advisor also explained how to go into the account and remove the freeze when necessary so, I didn't need to call back. It was easy going back to unfreeze the card as well. The service provided was excellent.


key: chroma:document
string_value:
I have been very happy with Merrick Bank. I would recommend Merrick Bank to friends and family. I have not had to call for customer service or needed any help as the app is very clear and most of my questions I have had have been answered in the FAQ section.


key: chroma:document
string_value:
When I called to find out what to do when I had charges on my bill that I didn’t make. I was angry, I was then transfer to an agent. I was put on hold and told to wait for the next available agent. It was 30 mins so I waited 35 mins. At that time I hung up without talking to anyone.


key: chroma:document
string_value:
Was promised double my credit amount. I’ve made on time payment. I requested an increase and got $200 increase. My limit was $600. Just false promise of the reason I signed up. I called about it and it’s because my autopay glitched and didn’t pull out of my account like it was supposed to. So I made on time payment for 6+months. And I got $200 increase, not the double. It’s just poor experience especially when I’ve paid on time and have used the card. Also you would NOT get rid of the late payment. Even though it was an issue with your system.


key: chroma:document
string_value:
The relationship between myself and the company is still new. Decent start to the credit line and I will patiently wait for the credit line to be doubled within 1 year per the agreement. If that does happen I will keep my end of the deal and make all payments on time and promote the company with even more positive reviews.


key: chroma:document
string_value:
Merrick is very transparent about your credit and billing and also offers solid advice on rebuilding your credit. The interest rate for me wad fair and they even tell you about keeping your spending on the card under 30 percent to help with your credit. I highly recommend merrick bank to anyone looking for a good credit card which also rewards you for paying on time.


key: chroma:document
string_value:
Their app is very easy to use and comes with a free fico score review every month. Talking to their customer service is also usually very easy. You can apply for a credit increase every 6 months. If you're on time with your payments they may increase your credit line automatically within that period.


key: chroma:document
string_value:
Very helpful personnel on phone and in person. Love I can transfer money to family with a couple clicks. I appreciate the ability to make an appointment if need be and not wait for a opening to discuss account. I also like how close it is if I need to talk or do business.


key: chroma:document
string_value:
From the beginning I've had a good response from them. My initial card was approved quickly and sent quickly. Just recently, they reported to me charges that were suspicious. They weren't mine so they quickly restored them and VERY quickly, I got my new card. I'm happy with them. This is me, no incentives to write it.


key: chroma:document
string_value:
Had a few fraudulent charges appear and they handled it immediately. Thanks. Canceled my card and sent a new one that I received in 5 days. Overall in the past 5 years I've received plenty of help when needed. I changed address recently and it was handled by a well spoken professional person. Again thank you.


key: chroma:document
string_value:
The website is very easy to use and easy to find what you are looking for whether it be to enroll in paperless billing or make a payment. The payment process is very easy and quick and it is painless to update payment information if changing a bank or using a new checking or savings account.


key: chroma:document
string_value:
Very wonderful experience since I've been a member. Keep up the great job. I've shared my experience and referred several people to the bank. My customer support experience is just as great each time I have called which makes things a lot easy to enjoy.


key: chroma:document
string_value:
Merrick Bank card has been good for me. I get periodic increases due to my pay history and great standing. The app is helpful and easy to use. I have only two concerns / complaints. 1. My card is broken and the app will not let me order a replacement one. 2. When I call the 800#, it does not give me an option to speak with anyone. Have NEVER been able to get ahold of a live person.


key: chroma:document
string_value:
Merrick was the first bank that allowed me the chance to rebuild my credit after an unfortunate business bankruptcy. They even raised my credit limit because I've kept my payments on time. The only thing I'm sad about is that they changed the Visa to Mastercard. I'm very grateful to Merrick Bank.


key: chroma:document
string_value:
Every time I try to make a payment with my card it takes the money out then puts it right back into my account and shows that I haven't paid. I make my payments early every month and it doesn't show that I make any with your company! I don't like that especially because it brings my credit score down.


key: chroma:document
string_value:
I like the ease of how my bill has been easy to pay online and I appreciate the credit line increases. But what I HATE is dealing with overseas call centers for customer service. I don't understand how you guys cannot use US BASED call centers because when I first started with you guys that's who I talk to but then they told me that you guys opened up overseas call centers instead as an option which should have never been done-- I don't understand them and it frustrates me when the US BASED call center worked great before and made your company stand it and I told my friends about your card during that time but since then I have that bad decision to open up foreign base call centers I have not mentioned your card to anyone.


key: chroma:document
string_value:
It has been an absolute pleasure to have this card! When things went sour in my life the representative was there to assist and find me a solution!!! You are the BEST!! I appreciate the limit increase as well!! The representatives are very welcoming. Professional, courteous and understanding! I sure am Happy I have them by my side.


key: chroma:document
string_value:
Been very happy with this card from the day I got it until now. So keep up the good team work. Plus if any friends all about wanting a good credit card I will tell them right away about the card I have now. And all the features you can get out rewards you can earn by using the credit card.


key: chroma:document
string_value:
Very pleased with Merrick Bank MasterCard. I'm kept posted to my phone on my balance. I get my statements on time by email and to my phone. When I disputed charges to my card it was handled in a professional manner. My card was canceled at that time and a new one was shipped to me in a timely manner.


key: chroma:document
string_value:
Very pleased with my Merrick Bank Card. Just wished the interest rates were a bit lower with the way the inflation is. Would recommend this card to anyone looking for a good card to help them through these tough times and the future. Automated system is easy to navigate through. Customer Service is AMAZING also..


key: chroma:document
string_value:
I have never had any issues with this card, they have done everything they claimed they would do which was raise my credit score and increase my credit limit with time. I have recently been talking to my daughter about getting this as well as soon as I figure out how.


key: chroma:document
string_value:
Merrick helped me with my credit score and also didn't take forever, like other credit card companies to increase my credit line. I would recommend this company to my friends and family. If anyone does acquire a card I would suggest downloading the Merrick app. It's convenient and easy to use to make payments.


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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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Easy to use and great customer service. Can look at FICO SCORE and the app is super easy with a quick glance option to enable to see your availability, amount spent and total limit. Information is secure, and low APR/ interest on transactions. Never had an issue with the card! I would recommend to anyone to get this card!


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I might not recommend to friends because they can get lower interest rates and I cannot. So maybe if the right person came along. I took this card because you let me. At a significantly higher interest rate. But as far as service, it's been very nice. I'm very glad to have this card.


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I am fairly happy with Merrick Bank, great customer service, always super helpful when I need to contact a consumer representative. My only wish is there was a faster way to increase my credit line, like an auto 3 to 6 month increase or a way to increase our levels to bypass the monthly service fees, these can be quite annoying when you pay your card off and then get another bill for $4.00.


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I've only been a customer of Merrick for 2 months so far and I've had zero issues. I'd definitely recommend to a friend. It's even no hassle to pay the bill. So many places don't accept prepaid debit cards to pay bills but Merrick Bank does as some of us do not have regular bank accounts. It makes it so convenient.


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I’ve had Merrick for about 5 years, for the last year my card had a block on it due to suspicious activity. I was working 80+ hours a week due to staffing issues around this time and wasn’t able to get the information together that they needed. About a month ago I was able to call them, get them the information and they unblocked my account. Today I received a letter stating they closed my account due to inactivity and it was not allowed to be reopened. I had no balance on it, I was never late with my payment up until it was blocked I used it regularly and that’s how they treated me (they didn’t even give me a warning that it would be closed). When I called, I was treated like I was this horrible person. I won’t use this bank again! I honestly have better credit cards than Merrick Bank, it’s just the point that this is how they treat their customers that pay on time.


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I've been a customer for more than 7 years with this company. I received a letter yesterday stating that my account had been canceled due to no activity. This was done with no warning whatsoever and will have a negative affect on my credit rating I currently have good credit. I called the representative with absolutely no help from him and he agreed that they should send out warning letters that your account will be in risk of being canceled if you did not use your card. I've never had this happen in 40 years of having credit and credit cards from other companies. Everyone needs to be aware of hidden policies that these companies have.


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Wait times for customer service can be extraordinary long and unreasonable. Fraud department needs to transfer you back to customer service to finalize a report and you may not get through. No access from abroad to app or desktop site. Just doesn't ever load.


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In the month of May, a credit card was sent, but I never received it. I requested another, which I got in July. When I tried to use it, I found out it was blocked. After complaining about that, I was told I had an outstanding balance. How can that be?


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I find working with with them very easy. They're always very informative and pleasant to speak to. Yes, I would recommend to friends and family! I'm very glad to have my credit card with them. I wasn't sure I wanted another credit card, but after I got it, I've been very happy with it!


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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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Would definitely recommend Merrick Bank. I Love Merrick bank because you get incentives for using your card wisely and you get an increase on your card for paying your bill on time. It's a card you can use for paying bills, purchasing gas, buying groceries or whatever your every day needs might be. Definitely would recommend to a friend.


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The card is easy to use and I've never had an issue using it anywhere. The App is easy to use and understand when checking your balance of available credit, when looking up purchases and when making payments. I love this card and would recommend it to friends and family.


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All was polite and friendly. Knows the rules and policies and procedures. Can help you with any and all problems. I like the ability of the workers that know their job and can help me with any and all problems that might come up. I would highly recommend you and your employees as very hardworking crew.


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Yes, This card is helping to re establish my Credit and gain self dependence once again. It was offered to me and approved when I needed help the most and I do appreciate it and I am going to keep this account for a long time to come. Great customer service and website along with the app for your phone.


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Been a great card so far, trying to get my score back up to snuff, Merrick Bank approved me when others would not, I use the card when I need to and pay it off asap, it’s been great to have it when I need it. Can’t wait until my limit goes up so I can use it for larger purchases.


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To this point I have had nothing but good experiences in my dealings with Merrick Bank. I have a credit card through them and have had nothing unexpected present itself. Based on my interactions I would feel comfortable in recommending Merrick to others. Transactions are seamless and their app is easy to use while being convenient.


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I’m very happy with Merrick. I would recommend this card to all friends and family. Thank you for doing business with me. They even gave me an increase after paying on time. I plan on closing many of my other cards, but Merrick I will definitely keep. Thank you again.


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The online process is great! The problem I have is the card is not recognized when paying at the pumps for gas. The reader has a hard time identifying the account #, it takes many attempts to get it to work! Sometimes I just use a different card. I know this is something I should call customer service about, just can't find the time.


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It is a good card to have in your wallet and I never had any problems using the card. The card is a great card to use anywhere in the us and out the country. I don't leave home without this card at anytime. Good card to have in your possession.


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I wish there was a limit increase button on the website. My husband has his card nearly two years and has never had a limit increase. Is there a reason for this exclusion? Other than that, I love this card. The customer service department is great as well. I would recommend it to a friend.


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I am very pleased with Merrick Bank and the ease of navigating through my account on line. I am pleased to recommend Merrick Bank to anyone asking about my experience. Merrick was the first company to help me rebuild my credit with a starter $300 account. This was the first step leading me to now have as much as $5,000 and $10,000 lines of credit available at a couple of institutions. Thank you Merrick for the helpful re-start.


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I have been very satisfied with the service from Merrick Bank. I have never had a problem, everything works perfectly. Statement comes in a timely manner and can be paid online. Statement is received online so no need for checks in the mail. I like the security of no paper to shred or any mail to be lost or stolen.


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Largest 2022. I have available credit $769.00 according to ATM withdrawal Failed attempt. They are on my credit as delinquent as well an account opened 16th and account opened 17th. I only had one account.


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I love my Merrick credit card. It's the best one of several of my credit cards because of its cash advances and credit limit. Thank you Merrick. For the outstanding job and your app is easy to use and very convenient. I use it all the time and some time I take advances to help me pay other bills that I need to pay off in cash.


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You guys are thieves and I hate this company and I'll never recommend it to NO ONE. THANK YOU FOR NOTHING BUNCH OF THIEVES and I hate to call you guys coz it's nothing but machines answering the phone so you guys suck donkey.


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Merrick gave me the opportunity to show I am in a better financial situation. I didn’t disappoint them and got an increase within six months! They helped me get back. I’m on my feet. I would strongly refer them to others in my situation and look forward to a continued relationship with them. Thank you Merrick Bank for being my financial partner.


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This can't happened to a customer. I spoke to a representative customer service a few days ago. I think it was the 7 or the 8 of July try to fix the problem about fraud in my account, I told him it wasn't me who did this transactions for $39.99 and $12.99 and the last one for $39.99 again. I think it was a Fraud department Representative and he transfer me to a new card department and that's when the nightmare started and I was waiting forever. Nobody pickup the phone for an hour and then somebody pick up the phone and I said hello and then they hang up the phone on me. I felt insulted by a Merrick Bank representative. Now I need a new credit as soon as possible. It should be more representatives working in that department. And that's the reason the I am unhappy with Merrick Bank, please kindly send me a new credit card, any question call at my cell #** or email me at **.


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I was happy when I signed up. I use your card often and I'm very happy with it. I originally had a little problem but it was just because of some stuff that I had to change because of a phone number. Other than that everything has been great and I'm very happy with your service.


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Have had an account with Merrick Bank for several years. Have been very happy with the service, communication and benefits that Merrick Bank has provided. Would definitely recommend Merrick Bank to anyone in the market for a financial institution. Whether it is for a credit card savings or checking account or a loan.


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When I accepted your card, I did so thinking that I would get a decent credit line increase, if I paid in a timely manner. Keeping my balance at 30% doesn't allow me to do much of anything when I'm traveling. If I had to do it all over again, I would not have accepted your pre approval..


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It takes several days to get a notification that my card has been used for a purchase. I have other credit cards with other banks and I get notifications in a few seconds after I make a purchase. When it takes days to get notification from Merrick Bank I have to think to myself, did I make that purchase or does someone have my account info and making unauthorized purchases. So if Merrick Bank could speed up how long it takes to get notification of each purchase that would make me give a 5 star.


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Easy card to get, although expensive. I would suggest you offer incentives to those who pay on time, like annual fee waiver, you are already getting an incredibly high interest rate, perhaps those who pay on time, get a rate reduction as an incentive to stay on target, the credit bureaus are not so generous.


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I actually really like my Merrick Bank Card. I like the fact that I can see my credit score and review ways to improve it. But if I could add something to make it a 5 star rating, it would definitely be to add some type of rewards program to the account. This would give me the incentive to use it more. Everything else is great.


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High interest rates. Yearly fees don't help. Hard to pay down. Interest rates never gone down and never missed a payment but yet Interest always stays high. Will be trying to get it paid this yr and move on. The yearly fee is a pain. You would think it would be dropped but it doesn't look like it will ever be.


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Merrick Bank is the best bank ever. They gave me credit when most wouldn't. I had unknown charges on my account and they helped me get it straight and I am forever grateful. When I talk to people on the phone they are so kind I feel like I'm talking to a friend. I think this bank deserves 10.


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A complete nuisance with all your ads just to try to pay my bill. I was on the phone for over 30 minutes just trying to pay my bill. It should not be this hard. I had to press the pound sign so many times. Why?Why?Why? Your special offers are horrible.


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Great Service. Easy to work with. No problems on trying to get payment in. I've had great service with him. As long as I've had them I would recommend you guys to everybody else that I know that does not have your card. Great! Increases when you don't expect them.


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Don't use it like I use to, only when I really do need it. So not much to say on that. Just trying to pay it down to a reasonable amount owed. I like my choice of pictured card.. Don't care for the color. Thank you.


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Very easy to access app. Decent credit line to start with. They reward you with good payment history! Communication emails with payment made and statements available. Their app is extremely easy to use. I just can't say enough about Merrick Bank, they just make everything so easy. When life is busy you don't have time for frustrating apps, etc and with Merrick Bank you don't have to worry about that!


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My husband and I were out of town on June 29, 2023, this was 2 days before my Merrick credit card payment was due. I panicked because I was used to making the payment online, and I remembered I did NOT bring my laptop with me. I decided to call Merrick to make the payment on the phone. The representative that answered my call was very professional, pleasant, and very helpful. Keep up the good work.


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I am and have been very pleased with my Merrick Bank credit card. Since I have never needed to contact a customer care person, I don't know how accessible, live or immediate customer service is. I would hope this service is available. The APP, however, is easy to use, and making payments online is as well. It is.


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The interest rates that Merrick Bank charges should be reviewed carefully. They start off with a low interest rate then gradually increase it even with excellent credit and no missed payments, a 30% interest rate on purchases is unreasonable and ridiculous. Merrick Bank should reward excellent customers. Instead they continue to increase the interest rates every time there a flux in rate hikes. This is not good business.


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I happen to love how Merrick Bank does business- They are very customer service oriented and always a phone call away. I like that they increase credit availability at random and is fair about it- I also like using Merrick Bank card - It’s my go to MasterCard and like that it’s safe to use anywhere.


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I would recommend a friend. I give you guys 5 stars. I have been very pleased with my experience with Merrick Bank. Look forward to a long lasting relations and my wife has been pleased with your service. You gave me a card at a time when I was rebuilding my credit and you gave me a chance.


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This card is well recognized when I use it. It has great customer service, and makes me feel like I am a valued customer! I love the card as well as doing business with this bank and highly recommend it to all my friends and strangers alike. If you do not have this card then get on the ball and get on- you are missing out!


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I love my Merrick Bank credit card and the company. I have not had any issues and if I have needed to make contact with them; they are always helpful and courteous. My account is reviewed on a regular basis and I am given increases to show how well I manage the card.


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My time has been good and have enjoyed using my card since I opened my account with your company. Would like to see a credit increase more often for on time payments as an incentive. My service has always been good and helpful whenever I need to check on my account. Thank you.


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It was easy and simple to use your web site to make my payment online. I would recommend using the web site to anyone who has a credit card with you. I have used your website every time that I need to pay my credit card bill and it was so easy for me. After making my payment online with you I received my credit immediately and received a confirmation right away. I would recommend your bank services online to anyone who has an account with you.


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I am happy with the service. I love the telephone banking. My payments are processed quickly and get my updated information by the next day. My statements arrive on time. When I have dealt with a representative, they were helpful and knowledgeable. I like that there is no membership fee, also my account is closely monitored.


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Beware of Merrick Bank business tactics. First, if you schedule a payment on their website, they will hide the scheduled payment from you on their website in an effort to get additional payment. Second, if you enroll in automatic notices, they will NOT send you reminders so they can hit you for late fees. Third, their monthly fees, even if you have no balance, is usurious and should be prohibited.


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This credit card, by far and large, has been the easiest card to have and manage. I got it to help repair/build my credit and they have given me credit limit increases without me having to ask for it. I don't get spam emails, no one calls me about anything, I get text reminders if I need them and the app is super easy to use. I haven't had a single issue to date, I'm really glad I got this card.


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Love this card, one of THE best cards I own. Quick and easy and the fact that they raise your limit makes it that much better. I’ve had this cards for over 2 years and my and never once had any issues. Will refer this card to everyone I know.


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This is an nice credit card to help build your credit to start off with. I'm pleased with it. No problems it. For a Mastercard it works out good in many places. I would recommend to people starting their credit.


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The Merrick credit card was the first card that I got and I’m very satisfied with it. Always got what I needed and wanted with the card. Praises To My Lord! Thank you Merrick. I surely would recommend the Merrick Credit Card to friends! It’s a credit card I can use anywhere and any time. Thanks again Merrick Bank!


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I have had a remarkable experience with Merrick Bank's Credit Card and I am very happy with their professionalism in customer service. I would recommend to a friend. When I had an important question I did not hesitate to call and talk with the necessary department. When I called they helped me fix the issue.


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I am very happy with the service I have received with Merrick. They have honored everything promised and they continue to provide more services without me having to ask. I highly recommend them to all. Give them a try and you will not regret your decision to give them your business. Your satisfaction is at the top of their list.


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Best and most responsible credit company I have ever worked with. They only give credit raises as they are earned and so keeping within your means. They have great customer service reps and are quick to resolve any and all issues that may arise during the course of doing business using their cards and services.


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I love everything about this card. The card itself, the website, the app and the live people who answer your phone questions. BEST CARD OUT THERE!! Would recommend to family and friends…and I have. The app is so easy to use to pay my monthly statement. I can find my balance and available monetary limit easily.


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Customer service has been outstanding. Any issues I have had with a purchase, they have helped resolve efficiently and quickly. I would absolutely recommend! The fraud department also helped cancel my card immediately when I noticed unauthorized purchases on my account that were not mine. I had a new card & account number in no time. They quickly investigated and fixed my account. Merrick has helped me reestablish credit after a bankruptcy.


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I received my card and have experienced very positive credit ratings from the use of my card. That's very important in today's times especially now with inflation and the need to rely on your credit card in the place of budgetary challenges.


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I can't say anything bad about this card. It's been awesome! From set up, to payments, to service. 5 stars! App is great, easy to use and understand as well as navigate. If you get the chance to get this card, do it.


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When I signed up for an account it was a minimal amount and I didn't really think much of it. They have rewarded me not once but twice for being a good customer. This doesn't happen with other credit card banks. I truly am happy and would highly recommend anyone eligible to apply for a Merrick Bank credit card. Rewarding good behavior, what a concept. . .


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I am not sure what factors are considered when issuing a credit line increase but I know Merrick Bank does not compare to other creditors that I have. Any time I have gotten a credit line increase it has been at least $1000 plus they offer cash back and other incentives but Merrick gave me a $200 credit line and doesn't at least offer


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They have always treated me fairly and professionally. I've had someone steal my info and use it. I reported it to Merrick Bank. They fixed the issue and returned my money. They have always been professional. I would recommend them to anyone.


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I have been with Merrick Bank Visa card for like 7 years. I love it. They give you increase when you pay on time and do not be late on payments. They are a good new start card. Help build your credit. They report monthly to all credit companies.


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This card is easy to use and when I have had a problem such as replacing a card or asking about a charge the staff had always been very pleasant and helpful. I would recommend this card to others but do wish the interest was a bit lower.


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Was very happy that Merrick helped me with my issue of a product that never arrived and researching the site further listed it as a scam with a trust level of one out of a hundred. It's hard to know who to trust online these days.


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I am very happy with Merrick Bank. I have not experienced any problems and I very happy with the regular credit limit increases. Having this card has helped me improve my credit score tremendously. I am looking forward to doing more business with Merrick Bank.


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I've been able to get regular credit increases as the company promised. Never had any issues that hadn't been resolved. I have been with the company for about 5 years and I highly recommend someone using this bank to help build their credit. You won't regret it!


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Since Merrick, I became a member of the Merrick Bank credit card department it's been a good experience. The way my account has been serviced made me appreciate that I joined this company. The professionalism of the staff, provided services, and use of the mobile app ease has been friendly. Overall, Merrick Bank is is a great company. Thank you.


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Low-interest rates, easy to use when I need it at the right time. Easy increase over the long term. Paperless downloads. Plus, I can submit larger payment to help keep my balances in the good zone of 30%.


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Interest too high. Never try to work with me on any rates. I been with Merrick too long to be charged $4.00 monthly fee. Loyal customers Merrick could do a better job. Don't give cash back incentives. No compassion for low income customers. Your way or no way


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Merrick works for what I need. I was mostly using it as an emergency card. However recently I started using it more often and finally started to get balance increases after several years of having the card. Pros: card is accepted almost everywhere. Cons: no cash back or rewards program, which lessens the incentive to use the card as often. Unable to request a credit line increase.


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I have the Merrick Bank app on my Android phone (Google Pixel 6 Pro). I have fingerprint biometric login enabled. But every few weeks (or so) when I try to log in, the fingerprint authentication is turned off, and I have to go look up my password, sign in manually, and reenable fingerprint authentication. I have not cleared the cache or data within the Merrick app, and I have the phone set to auto-update all apps from the Play Store. Other than that, your service is excellent. Also, the app works perfectly every time, except for the fingerprint glitch mentioned above. Sorry for the 3 star rating, but please fix the app, and I will gladly rate 5.


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This company is a part of my financial life and I am pleased with the services that they provide. The billing statement always is explained so the receiver understands the information provided. I have been a customer for a long time and I am happy with the services provided.


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I like the Merrick Bank Card because you are on my side. The payment options are straightforward to use, and processing is quick. I used the card for a big purchase, and they increased my credit line without asking. This is a sound card and a good company, and I look forward to doing business with them for a long time.


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They are a great company to work with. They have have helped me every time I needed a credit increase especially one time I when I was traveling to visiting my grandkids. Anytime I call in to ask a question they are very responsive to my queries. I wish other companies would handle their customers service as well as Merrick.


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Thanks for allowing me to increase my credit amount without having to do a credit check. This helped increased my credit score. I have successfully paid my bill on time and would like to know if you can eliminate the monthly fee on my account.


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I was offered this card with an opportunity to double my credit line after meeting the requirements. I am happy with the treatment I have received from Merrick Bank. They offer a credit card that comes with the tools you need to understand how to protect your credit and use it wisely on their website. I am personally satisfied with their services and would recommend them to friends and family.


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I got a credit card after recovering from bankruptcy! The rates are reasonable and the limit, over the years has risen very slowly…it’s perfect!!! I would suggest this to all my friends and family. Their customer service has been great as well!


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Unorganized, unprofessional, bad at communicating, and not trustworthy. I had a credit of $180 and they declined a $10 transaction. When I called to correct this I couldn’t understand the representative. It had very bad background noise and they had a heavy ** accent. They were rude and hung up on me when I asked for a supervisor. I called back and Daly (the rep) hung up in me when I asked for a supervisor. They requested my social security number every time, multiple times. This is not a company I trust with my financial information. I will be asking for a check for $180 and will cancel when that clears.


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Merrick is top notch between customer service reps always patient and kind along with my belief that they will continue with their fair and honest fees. I have been with Merrick for 10+ years and look forward to many more.


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I make frequent payments but additional fees are always added making it difficult keep up and avoiding a negative balance. I don't plan to have this card much longer since the fees are so high and seem to be very frequent. I don't even know what they're for.


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Merrick was the first major credit card to give me a chance. Since then I have got approvals from Discover and Citi Bank for cards as well. My credit score has went up 70+ points and Merrick continued to reward me for a good payment history by increasing my limit. I am beyond happy with what Merrick has done for me.


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Love my MerrickBank CC. App is easy to use, I’ve received multiple limit increases as well as experienced phenomenal customer support. I had Fair credit when I first opened my account and have excellent credit now with on time payments and payoff of my card monthly.


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I have had a great experience with the company. I haven't had any trouble using my card anywhere. They raise my balance without me even having to call them as long as I am making my payments on time.


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Haven't had any problems with my account. Everything has been fine. Haven't had any compensation for anything. They've been good with my credit increases. I would recommend the credit card to my friends and family. Got the card eleven years ago before a trip to Disney World and was very happy with it.


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Payments posted in a timely fashion. Easy to read statements. My bills arrive right on time. I have not spoken to anyone other than to put in vacation time and locations. Personnel have always been polite, and helpful. I would highly recommend using Merrick Bank for all of the above reasons.


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My experience with Merrick Bank has been excellent! I would definitely recommend you to family and friends…On each occasion that I needed more from your bank, you came through for me! I was thoroughly impressed with the timing of each increase and the amount.


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I have had a positive experience with my Merrick Bank card. The website is very user friendly. The only thing I wasn't happy about was when they upgraded my card, they didn't offer the American Flag like my previous card.


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I love Merrick. They are so good to me. I enjoy having this credit card that I can depend on. I use my card when needed and they give me the credit that I have and they check on me to make sure I do not have any issues. I would definitely recommend this card to everyone who is looking for a great credit card that you can depend on.


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Merrick Bank has always been great for me. Tells me when my balance is high, etc. You have increased my limits twice. What else can I say. My favorite credit card. I paid balance off once but unfortunately my balance is high again. Will have to take Care of that.


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Good customer service and a pretty easy to use app. No issues with them. I have the minimum withdrawn from my account monthly so I don’t miss a payment. Then make payments when I get paid. Only been a customer for 2 years.


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A company fraudulently made a charge, and tried to make additional charges on my credit account. I called Merrick multiple times asking for a list of those transactions. Merrick Bank continuously refused the request, and even hung up the phone on me at one time! I had to contact the FDIC to get the information I requested. The payments that I make, Merrick Bank takes 90 percent of my payments every month!


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I have never had any problems with website nor making payments. Have been with them for a few years now! I would highly recommend them to family and friends. Great credit card to have. They also let me know when it’s time for a credit increase.


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Would like a lower interest rate. Don't know how long I have had this account but would be nice if you could consider. Thank you. You should have all the information you need To complete this request. I will respectfully Wait to hear from you with hopefully good News.


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I have had no problem with Merrick Bank and have appreciated everything that they have done for me throughout the years. Theirs is one of the first credit cards I was able to get to re-establish my credit rating, and thanks to them taking that chance on me, I have been able to go above and beyond that!


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Service has been acceptable and very good within the areas offered. I could recommend Merrick to a friend without reservation. There is always an opportunity for improvement as in time will be clear and visible. I’ve nothing further to add at this time as a response to this inquiry.


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I have never received a limit increase despite perfect payment history. Was told it was not possible to do. I only keep the card open so that closing it won't negatively impact my credit. Unfortunately I would never recommend to anyone.


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Would like to have a much lower interest rate. Always make my payments on time. Always pay more than the minimum due as well. I have nothing more to add to this comment. I would just like a lower interest rate on my credit card.


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Bank is awesome, customer ***** five star rating...Thank You All!!! All that you all do is awesome, thank you for your services, and professional service. There is nothing else to say, I'm a very satisfied customer. Would recommend the bank to others.


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Payment source mistake prompted account closure one day after it happened. Nothing in email, just closed. Then all of the agents treated me like scum because of it. I enjoyed the card until they took action for one mishap with zero communication. Oh well. I wouldn't suggest this card, they aren't very transparent in communication. Glad I didn't try to use it, funny thing is, I am up to date on payments, one agent was confused. It's like this was done all willy nilly.


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While I appreciate the credit, the interest rates are too high!! I find the website easy to navigate. I did receive a credit line increase, thank you. I intend to keep this card even after it is paid off.


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I have had nothing but good experiences with Merrick Bank, they are easy to contact, very pleasant and helpful at all times. I have been a cardholder for a little over a year and I am more than happy to continue to refer Merrick Bank to my friends and family.


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The experience with Merrick Bank was good in all aspects. Their service of my account was great and their customer service was superior. They increased my credit limit immediately after reaching 6 month limit. They gave me advance notice about the account changing from Visa to Mastercard.


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They charge a monthly fee and does not alert you if questionable charges are made, my history of purchases has been for years with them of $100-$150 at most in a month time but one day my card was stolen the criminals in 3 days time was able to purchase over $1800 one $1000 then 8 multiple $100 charges same day without contacting me if I approve the unusually high charges.


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Merrick Bank would not supply me with either a detailed statement of my charges, nor a way to view them online. I paid above minimum payments for nearly two years and the balance never changed though, I did not use the card. This is fraud.


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I am very pleased with Merrick. My payments are processed in a timely manner and I have rec'd several credit line increases! Highly recommend them, always a pleasure doing business with them. Please give them a try, you won't regret it


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A retailer billed me twice for a item which was cancelled and that I never received. I contact the fraud dept with Merrick 4 times attempting to get the item which was cancelled and I never received credited to my Merrick bank card....which they did in fact issue one credit .... and thus far are refusing to issue the second credit .... Isn't that special....With Merrick Bank you never get your merchandise from the e commerce retailer and then the nasty little thieves at Merrick Bank refuse to issue me (the card holder) only a 50% credit....Merrick Bank and the retailer are in bed together to cheat me out of $443 dollars....I do not like dealing with Merrick Bank....They are !!!! Thieves and liars and crooks..!! With an outrageous interest rate of 30% on my open balance....It's no wonder why they refuse to issue me the credit which I require, requested, and deserve....Anyway you the consumer have again once again been warned.... Tracy


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The company service agents do not have facts. They all have different answers. They are not trained appropriately. I only had one representative in 10 calls that knew what they were saying. Kudos to this person. The communication is very confusing. Not happy.


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Overall, Merrick Bank helped me pay for what I needed to, and so I did expect to not get the full loan I wanted... I was more upset about the payback. I have no idea why I have to pay back more than what I loaned out, I have to pay back $2K more than what I originally loaned out & I find that completely ridiculous. I would not recommend to anyone unless they were desperate or last options.


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Good people to do business with, would highly recommend to everyone who wants to improve their credit. Thank you sincerely for your support and the opportunity to make my life better. They do not make your experience with them a hassle, but a pleasure.


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It has always been a pleasant experience with my Merrick Credit Card. I have had no bad experiences in conversing with Merrick representatives. It also easy to navigate the website where you're able to look at your monthly transactions and to see your available credit. Making a payment is made quickly and painless.


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Merrick Bank is absolutely awesome. Originally, I started out at a $900 credit limit. 6 months later raised it to $1800.00. Make your payments on time. Merrick rewards you! I am now at $2000.00 credit line. Within a year's time.


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Merrick has provided the needed credit to continue business. Not once have I been scammed for a “late one day” exorbitant fee routinely found in the business practices of Cap One. Very pleased with my experience with this bank. I would highly recommend them to anyone looking for a reputable bank credit arrangement.


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Because of my loyalty and on-time payments I would hope to have my interest rate lowered. It is higher than other cards I have and my credit limit with you is also lower. I have never ever missed a payment.


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Love the company and what they have to offer. Easy website and easy to pay your bill online. I also like that they keep track of your account and give you increases as you earn them. They have great customer service also.


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Would rather not have monthly/annual fees with this card. I have had this card for a very long time and it would be nice to not have fees associated with it. I love the fact of how frequent you guys give me a credit line increase though.


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This is a great credit card. The app is easy to use and pay on your credit card. They double your credit line after the first 6 months is why I got this card. It does lack a rewards program and the apr is at 29.99 %. This card is definitely worth having if you don't mind the lack of rewards.


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My experience with Merrick Bank has been great. Their website is easy to use and they have met my expectations. They increased my credit line as they promoted based on my account status which was wonderful. I would definitely recommend them.


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Okay I really like this credit card co. Very friendly and easy to deal with. Keep up great work. Even when I go on vacation out of country very easy to deal with on days I will be in that country and if I need anything while away call them.


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It has been easy to make payments through the app. Limit increase for making payments on time are very rewarding. Wish the rates were able to be lowered. That should be an option to lower rates or increase limit.


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I accepted the offer I received in the mail by Merrick Bank in order to continue building my credit. Once I got the card, I immediately downloaded the app and set up auto pay for the account. The app was very clunky, and the technology behind it seemed dated. I would call up Customer Service and they would assure me everything was in place and auto pay would work. It never did and every month I would end up paying late fees. I shut down the account after a few months because the auto pay again would never work, and they said they would have to report a late payment to the credit bureaus. 


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I highly recommend Merrick. No issues at all, love the fact that they are constantly review your credit and based on that they raise your credit limit. Anyone looking to have a card that will help you with your credit! This is the card to get.


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Perfect credit card banking experience. Hassle free, this credit card company gives you a credit limit increase without you asking for one. Keep your payments on time and they reward you! They are also there for you 24/7 if you need help or have any questions. They also are experienced and knowledgeable in helping you getting started, and in other ways as well. I highly recommend Merrick Bank. I'm very happy to be a customer!


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I thought the credit line they offered wasn't worth getting their card, but they claimed they would double available credit. I called, I confirmed, I used the authorization code myself, when the time came, they said they did see I confirmed with A rep, but my account did not come with A double your credit line program associated with it, and there was nothing I could do about it. My credit wasn't great, and it has not improved, which is why I think they are being intentionally dishonest. In G-d I trust.


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This is has an amazing card that has helped me to double my credit score and be accountable! Thank you so much! I will gladly recommend you to anyone that is looking for a great company to deal with. I look forward to a long financial relationship.


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I was approved for a card that was mailed in January, never came. I repeatedly called to ensure it wasn’t used and they lied to me over and over. First it was a wrong address, then it was a processing delay, then it would be there in 2 days. Card never came. Every person I spoke to had a different story for why. No one could update shipping in over a month. Seems like a scam or something dishonest and I was very dissatisfied with each person having a different story.


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My banking experience have been a five [5] star rating and YES I would recommend your bank and service ...I find it very easy to make payments with your online app...I wheel your card with confidence. I thank you for what I have.


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I am very please. Merrick keeps me informed and is very easily reached. I have never had any problems and customer service is outstanding when needed. Access online is easy and user friendly as well. Emails and notifications timely and accurate!


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I had an unauthorized charge on my Merrick Bank credit card. Called Jan.10 to dispute the charge. They credited the amount back to me and I was told I would get a new card due to the fraud on the first card. I was told it would only take 7-10 days. January 31, 2023 rolls around and I do not have the replacement card. I called and was told the replacement card was not only mailed, but someone activated it. The woman also told me that I can still use it because it is activated. What?!?! I have never received the card and certainly did not activate it. This woman is with the security and fraud dept.


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Merrick has been a great credit card to help me build my credit. Terms are clear and I've never had any trouble or felt taken advantage of. They do periodic reviews of my account and offer me a line increase accordingly. Very pleased in my years with them.


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I never have any issues with Merrick Bank. From time to time, I always get cash from ATM and always been provided. Some banks would disable your account after 2 withdrawals. Merrick Bank has always been there for me. I am treated fair with their excellent service.


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I have used this card for years. Whenever I have called, the customer service reps are very helpful. I will continue to use this card. The reps speak clearly, know their products and listen to what you are saying. Any issues I have had, they have resolved it to my satisfaction.


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I do not use and carry the card much in my wallet because of its low credit line compared to my other credit cards from credit unions and major banks and are very good with everything else. Otherwise my overall experience is excellent.


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Yes I recommend you because you increase the balance fast than other companies that I'm very happy because I'm check my balance in my application I have in my phone if you pay at time for 6 months you increase. That I love.


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Yes This is an excellent card and Bank and the staff is very honest and they take their time with any questions that need to be answered and if there are any issues with online banking and or charges and or Payments. Thank you, Elaine.


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My wife was told this was an error and would be credited. When I didn't see credit after a week, I was told it would be done. It's still not done. My wife spent a lot of time on these two phone calls, with so many press 1, press 2 options. Very difficult to get to anyone who could help.


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My husband and I got an RV loan from them, BIG MISTAKE!!! We got a $12,000 loan 5yrs ago and our principal has only gone down $1700. We have tried twice to refinance with our local bank for a lower interest rate and Merrick will not send the bank the information they need for the payoff. My payment is $260 and I never pay less than $300. I paid $700 this month and my principal only went down $253. This company said they will help rebuild your credit but I have been about 10 days late a couple times and they told the credit reporting companies I was a month late. This $12,000 RV is going to end up costing me around $35,000. I would give them 0 stars if I could. RUN from the credit building and RV loans. Even their employees say that they will not get a loan from them!!!


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Have outstanding history. Why should we still have a $4.00 charge to keep your card, considering cancelling card this year, please review account and see if there is a way, we could at least cut it down to $2.00 for that would help.


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They do not offer 2 percent or 5 percent cash back on purchases. Other credit cards are offering this. At this point, it would be better to use those with the economic crisis with the inflation to give us the want to use this card.


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I lost my debit card 3 weeks ago, I called to get it replaced and it's still not here. Luckily I have other accounts and cards but otherwise this would be totally crippling to my ability to function on a daily basis, and up until now I've had 0 problems with your service. Can someone please tell me what is going on?


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Merrick Bank gave me an opportunity to establish credit. They gave me a credit limit & then a credit increase after successful making on time payments. They worked well with me even during pandemic.. Very happy with the outcome of this card!


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All of my interactions especially with representatives over the phone were great. Reps were friendly, polite, answered my questions, and couldn't have been more helpful. I have one other credit card and no longer use it. That company doesn't compare to Merrick. Thank you all for your excellent service!


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Overall I am pleased with my experiences with Merrick Bank credit card services. There has never been a problem. I appreciate the FICO score. The only thing I dislike is the interest rate. In a couple of years the bankruptcy will come off my credit report and I will transfer the balance to a credit card with a lower interest rate. But everything else is great. It's easy to check things and pay bills online.


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Merrick has been easy to use, they reward you for good payment history. Great company to rebuild your credit ratings. I would recommend Merrick to anyone that needs a credit card and is willing stay on a good path to increasing their credit.


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Someone somehow made 4 charges on my card totaling over $300.00. I informed Merrick of the issue and they immediately started an investigation into the transactions. I’m sure other companies do the same thing, but I’m impressed because when they looked into it quickly and found one other charge not made by me. I was issued a new card/number in a few days. The entire problem was corrected within a few weeks. I Love my Merrick card!


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I would like to request a reduced APR and waive the monthly fee on my credit card. I am proactive on paying my credit card on time. Please consider waiving the fee and reducing the APR on my account. Thank you.


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I am not that happy with Merrick Bank because my credit line is too low for my income even though I have requested to increase it, and I have shown an excellent payment history. My annual income is more than 170,000.00 a year and my payment history in 100% in all may accounts including home mortgage, credit cards and loans. The majority of credit lines I have with other banks are for > 10,000.00 and I've been with them only two years or less. Thanks.


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I have never had any problems with Merrick Bank! I been a customer for many years and would recommend Merrick Bank to anyone. The website is easy to manage and payments are taken in a timely manner.


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Merrick Bank treats you like a real customer. They are friendly and efficient. Merrick Bank has a great credit card. If you need help, they are there to work with you. I use the Merrick Bank card regularly. Thank you Merrick Bank.


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In a relatively short amount of time since the discharge of my bankruptcy, this credit card has allowed me to re-establish my credit with minimal fees and with my excellent payment history I have received significant credit line increases from Merrick Bank which has given me more confidence and peace of mind having this credit line for emergency purposes.


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I have always been happy with my account. I have never had any problems. I would definitely recommend this to anyone. I have never had to contact Merrick Bank for any problems. They review my account and raise my limit periodically.


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Your people have been charging me over $4 a month for a cash advance I did years ago. I'm done, I will be paying this card off and deleting it. That is ridiculous. You offer nothing for this card if I use it.


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Very easy co. to work with, never had any issues with payment system or any issue using my card anywhere, my balance is always correct and statements are easy to view and understand, I will continue to use this company in the further financial needs I have. Thanks... Ronnie **


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Merrick is the best!!! As long as you are consistent with payments, they will take care of you! Got a increase and didn’t know until I paid my bill. This is the card for getting your credit back on track.


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I've had nothing but great experiences with Merrick Bank and would recommend their services to all of my friends and family. They have made it very easy to have an account with them. They monitor accounts regularly to adjust limits.


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The ease of use of this card is great, just this afternoon at the dermatologist, they asked what card I had used, they said no other card had processed a payment that quickly, thank you! I could not ask for more...


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I would definitely recommend this card to a friend. In the years I’ve had this card I’ve been nothing but satisfied! Easy to access online for payments. I can use it anywhere and there is no yearly fee. If you have had great credit history with them they increase your credit amount. I truly recommend this card. It’s one of the few that I wouldn’t mind keeping forever.


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Couldn’t understand why I didn’t rec yet paper statement & not by my request statement was sent email. I called had wonderful customer rep she told me I was late on payment & late charge was added to my acct. Well after explaining to her the situation she apologized for mix up. Credited late charge & mailed me all statements to review & I'm now getting mailed statements like it should have been.


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I am very pleased with Merrick Bank and have not had any issues. I would definitely recommend this credit card to friends and family. I honestly can’t think of anything that the company needs to improve on. Awesome customer service whenever I have had to call. Thank you.


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Great customer service; account is available 24/7 online; Easy to navigate webpage - everything you need is online; account protected from online fraud; NO FEES; complete transparency - no hidden fees or charges; a great mobile app; a variety accounts available... checking, savings, credit card, etc.


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Calling the 800 number is a a joke. Reps don't speak English bad connections. I asked for someone in US, placed on hold for 10 minutes and hung up. Also, your interest rates are ridiculously high for someone with a credit score of 760!


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I never thought I would get a credit card from Merrick bank because my credit score was very low. I have been with Merrick for almost a year, and my credit is improving each day. Thanks to Merrick for the opportunity to improve my credit score.


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I am so happy with this card. This card has helped me rebuild my credit and it is greatly appreciated that they were so willing to help when no one else would. And yes I would recommend this card to anyone who is trying to rebuild their credit or already has established credit. This company is very easy to work with.


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Got approved for a new card. Delay 1 was because of the Holiday. Delay 2 is because of "vendor issues". Each day that passes I get a sinking feeling that this company is not very trustworthy. I anticipate even more delays and based on other reviews, a bill even though I don't have the card.


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I made a loan for an RV. I have been earning on time every month for almost a year, and my principal is almost the same, I contacted the bank and after a confusing explanation, I have accrued interest and for the next YEARS my principal must be the same!!! It's totally insane!!!!


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I have had a horrible experience with your CC division, blocking my card without notification during MC changeover that led to returned or suspended accounts. CS said use a different banks card. An employee suggesting not to use the company they work for, incompetence. They refused to make me whole or compensate for damages. Try and reach out to executives personally. Rick Urrutia, Tiffiney Peterson and others.


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I called in and spoke with Lenox, Diego, Sam, Carlos, Pretty, and finally a Mr. ** a supervisor. It took me 5 people and hung up on twice and about an hour and half to get a result. When I explained my frustration with Mr. ** he brushed it off like he could care less. I will be canceling all my credit cards with this company.


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I got this card last year. Twice they have cancel payment. Never got an increase because cancel payment that month. Merrick charges high fees with no pluses. Going to try to close it again. Customer service is, also, a nightmare.


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I had enjoyed using my Merrick Credit card until about 3 months ago. There has been a message popping up when I open the app that states "We are in the process of updating your credit card". I attempted to use my card & it was declined. After calling Customer Service, I was advised there has been a delay in processing my new card & that they closed the account. I also was informed there was nothing they could do about it. After looking at my actual card, the last 4 digits of the account, which is the new card, is different so why is my account closed on a new credit card with a new number that has NOT yet been processed. Something is NOT adding up! I have a new credit card number but no credit card & my account has been closed??? Make this make sense!


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I would not recommend this company. Within the last year this company has changed from using Visa to using Master card. I received an email informing me of the change and I should be receiving my new Master card. Now it has been months later and I still have not received my new master card that is already activated. And my old visa thru this company has been deactivated. I can't access my account online because I don't have the new activated card and the old visa is deactivated. I am currently still paying my monthly credit card bill but I am unable to use the current balance. This is fraud I am paying on something that I can not use and the company can not tell me when I will receive my new card! 


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I lost my card and I was like crazy looking everywhere. I decide to just call and order a replacement. They told me, "Yes we can help you and you will get your card in 7 to 10 day." I was ok is fine. I been one month already and still haven't received my replacement. I will not do any payment in the card till I get it, if you trying to get a credit card I recommend you apply somewhere else not here like Apple Card, Capital One or other good and real bank. Not this new and bad services bank.


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Saw no red flags. Applied Nov 11. Approved card by 25th. Called Nov 27th. No card. Was told it would be here on Dec 23rd at latest. Got a bill requesting payment. Called 12-8. Asked for sup. Sup Lisa hung up on me. Called back trying to cancel card. They hung up. Called again. Was told card shipped on 12-2. Would be here by 12th. Would not cancel. They gave first names but could give operator number. This cannot be a legit bank. Karen **


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I've been waiting almost a month for my card. I've already been mailed a bill for a card I haven't even received yet. Maybe if I'm lucky I'll get it before the end of the year otherwise I'm being charged for a year that I can't even use it in. So much for Christmas I guess.


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I’ve tried multiple times recently to speak to customer service and sat on hold for 20-30 minutes then disconnected! Close my account! Hopefully someone reads this and actually responds! Merrick needs more phone agents!!! Even trying to respond here keeps failing because not enough words!


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We purchased a RV from Camping World in Cheyenne WY not knowing they used Merrick Bank. So far, they have never sent us a statement. We had set up automatic payment but were lied to because it was never set up. And now they are charging late fees because the payment wasn't on time. The lady from customer service was less than helpful so we'll see how this next month goes. If this is the way they operate they just need to go out of business.


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I am very happy. Upon elimination of other credit cards. I kept Merrick Bank. Also, they give good increases, you don't have to ask! This is my personal opinion. I recommend Merrick Bank to all family, friends, and future customers.


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My experience with Merrick Bank is a very excellent one. I am very pleased with their customer service and their quick response to any of my inquiries. My Merrick credit card Bank doesn't leave my wallet and it is an essential part of our daily lives. Highly recommended. Thank you.


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Keep up the good work.. Very happy with you guys. Always on time. Easy to communicate with and no problems. Also never have known delay. Job well done. Always have my back in need and interest. You have the floor mat of ConsumerAffairs.


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I have been setup on autopay my entire time. The payment history has caused several increases in my credit limit. This has come in handy when unexpected expenses have happened allowing me to make it to payday. The peace of mind having higher limit has given me can not be easily put into words.


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I am well pleased and super excited to be a part of Merrick Bank. The customer service is excellent. I will definitely recommend to other customers. A great tool for building and rebuilding credit. This idea is well versed and I believe that this idea will flourish.


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I was accepted for this card over a month ago. Five days after, I got an email stating I would get the card in 7-10 business days. On the 11th day, I called to inform that I had not gotten the card. I was told it was sent to some address that wasn’t even mine. They told me that card was cancelled and another one would be reissued and sent to the correct address in 7-10 business days. Still no card. I called again because I got a billing statement in the mail with my first payment due, but still no card. I asked why I was expected to pay a bill when I have no card. I was told because I made an agreement to pay for their services. I explained that he was correct…I did make an agreement to pay for their services, however, I was expected to pay for a services that I was not getting. I was told again that my card was now created and in 7-10 business days I would have the card. 


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Don’t think it should be a problem with the increase if you paying for it up front. When I called they told me I had to wait till December and ask because I hadn’t had the card too long although I was telling her I could use the debit card to pay now because I was trying to get a rental the the card was short.


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Good card for starters. I needed to work on my credit so this helped a lot to have somewhere to start. I really needed this to get things going. This was all very new to me and this helped a lot to get something.


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Very pleased with the ease of online access and bill pay, all the information I have at my fingertips. They caught a fraudulent transaction and immediately closed my account and issued a new card. I've been very happy with them.


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A wonderful bank all banks need to be like this one. I’ve recommended this bank to friends and family. Customer service is really great. I also like the products they offer. This bank does not need to change a thing, just keep doing what you’re doing, you all are number one in customer service. Please open a branch in my neighborhood.


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Merrick Bank is quick and responsive to update any transactions. Either purchases or payments. The monthly payment is also applied to your credit in a speedy manner. I was approved with little credit history. The secured card is a great tool to get your history established. I'm looking forward to doubling my limit after three more on-time payments.


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Would definitely recommend and have done so, to friends and family. Very satisfied. No problems thus far. Thank you! I am satisfied with the increase, as well as the alerts on my account. Customer service is professional and knowledgeable when I need assistance.


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Merrick gave me a card when others wouldn’t and allows my credit limit to double with responsible use, what else can you ask for? They operate with professionalism and treat you as a valued customer. I am very pleased with my card!


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Customer service is very helpful and the Merrick Bank App is great for checking my balance and paying my bill. You can also monitor your spending from the app and it automatically updates. I use my Merrick Bank card all the time.


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I've been with Merrick credit company for several years. I received the initial credit limit increase after having the card for 6 months. Received only 200 extra a few months ago. The credit limit increase is the worst although it was helpful.


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Glad that they work with you despite not having perfect credit. Will keep this card forever. It will help me continue to work on building my credit to get where I need to be. I look forward to a continued relationship.


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Not pleased. It didn’t help my credit at All, it’s really a bad deal. I wouldn’t recommend Merrick Bank to AnyOne!!! It’s adding marks to my credit. It’s false advertising and bad business. I’m making a complaint to the BBB.


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Always easy to use website. I appreciate the customer service if I ever need to call. Looking forward to updating my personal information and income so that maybe I can get my minimum raised to do some home repairs that are in desperate need.


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I would recommend my friends. It’s a very good card never had a problem when I am purchasing something. I get notified when it’s time for my payment. The only thing I would say is that I only got one increase since I’ve had the card outside of that. I really have no problems with the card.


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My experience with Merrick has been great! I would recommend them to friends and family. Easy to use and never have any issues. The app is easy to use. Very user friendly. Never had any issues with Merrick. Love this company.


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They help me get a secured card. It’s been one year and they have increased my limit twice with even me asking for it. All I did was made my payments on time and I got highly recommend Merrick Bank! if you are looking to built Or fix your credit!


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Very happy with the new card that I received and I have always kept my payments up on time and hoping as time goes along my credit will increase. Also I appreciate you giving me the card. I hope by now I prove that I can handle having the card. Thanks again.


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These people allowed someone to open a account using my personal Information without my consent, "Committed Fraud" and when I finally discovered it and made contact with them explaining that I was a victim of identity theft they more less said, "Oh well we're not gonna remove it from your Social Security number" so I'll be seeing them in court and have all the proof I need to back every bit of this up.


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I was approved for a credit card and I received an email saying that the card will arrive in the mail within 7 days. After two weeks I did not receive anything. I called and they said they will mail the card. What I can't understand is why would they send an email saying I will receive the card in 7 days and after two weeks and I called about it because I didn't see anything, they didn't even mail the card at all. That is very unprofessional. Now they say they will mail out the card, let me see what happens now.


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Thank you for the opportunity to get this account. I am satisfied with this experience. Looking to see where we will be in the future. I have had no issues with the account.. I would recommend this to a friend.


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Even when simply making a payment, I get a written response reminding me that I am valued as a customer. In addition, I am kept well informed of many events that may concern me. Other than that. It's a great bank.


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I am a new customer, but so far it’s been a great experience with no complaints! Keep up the good work! I received a solicitation today asking for feedback, so I am obliging. I wish I had more to say, but I really haven’t had much experience yet with Merrick, so here it goes. The application process was easy, the app is user-friendly, and the card helps build my good credit. By increasing my credit and paying back a small balance every month, I’ve increased my score already!


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Merrick has been very helpful in assisting me with building my credit back. I would definitely recommend them to anyone. The app is very easy to use and helpful also. I absolutely love Merrick Bank! I now am able to rebuild my credit and have purchase power to get the things I need. Thank you Merrick Bank!


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I am very glad because I am doing a good job with my credit to get a better credit score and I hope continuing to do it in order to get more credit and I also recommended for more people in the same situation.


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I love the treatment I receive from Merrick. They let me feel as if I am their only customer. When they receive a payment (usually electronic payments), they would email me to say, "We have received your payment" and whenever I happen to call, they sound only too happy to hear from me.


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Sent a payment of 50$ on Nov. 14 and still hasn't posted but all in all great bank to do business with. Would recommend to all friends. Customer service is nice and friendly, and very honest and helpful. Love my card, great credit card Co.


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I still haven’t received a working card but I’ve had to pay $172. Customer service isn’t always helpful. I’m starting to think it’s a scam. I haven’t been able to set up an online account to manage my account and the bill always comes after it is due so I get a late fee. I’m paying for a card that I have yet to use. If I don’t get the card within the week I’m closing the account.


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I was surprised when I got my invitation from Merrick Bank because I'm trying to rebuild my credit and they gave me a very nice card with a generous amount on it and they report to my credit bureaus all the time and it has brought up my credit score quite a bit and it was very easy to do the online part of it.


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Very helpful in explaining why my payment did not go through, very understanding and helpful. The representative was able to process the payment successfully. I had just received the card and was making my first payment. Fortunately, there was no penalty processed. Thank you so much.


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I do appreciate you giving me a chance to show that I can be responsible with credit. I have not had any issues, am sure if I did you would be fair with customer service. With the holidays around the corner am sure we could use some credit increase.


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Merrick Bank has been very helpful in reaching out to me and offering helpful solutions to my personal needs. Customer service has been outstanding. Any questions that I have had have been answered to my satisfaction. I have not had any bad experiences using Merrick Bank.


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I am very happy with this card. My only complaint is a wish you didn’t change a yearly fee. I feel the interest rate should be enough. But other than that I have had no problems with the Merrill credit card.


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Merrick Bank credit card has really helped me build my credit and I use it on a regular basis. I am very pleased with Merrick Bank. I wasn't sure about getting another credit card but but I am glad I went ahead and got the Merrick Bank card.


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The worst experience I have ever had with you offshore customer service. I called in 6 different times in two days, waited 1 and 1/2 hours one call and hour and 45 minutes the second time for a manager to help because after four calls my pin was not fixed. My issue is still not fixed. Will pay off card and close account.


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I really enjoy the Merrick Master Card, the only thing I wished they would have left it as a Visa. Some places I go don’t take Master Card but it’s a great card to have. They treat you very well if you need assistance with something.


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I'm terrible with names, but the sweet lady that helped me was awesome! She had the sweetest voice, was so patient and zero attitude. She even went above and beyond to make sure that my card would arrive before the Holidays. She genuinely seemed to care, that's a quality that is hard to come by these days.


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So Far my experience with Merrick has been great from online to questions asked on the phone. I am very satisfied thus far. I have not had any issues with logging in or the website. Thank you. Thank you. Thank you.


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On three occasions I decided to pay off credit card balance after I made the on time payments within the same month and all three times Merrick bank held the monies for 7-15 days even though they came from the same bank I make all payments with! They gave the excuse saying they occasionally do this because sometimes banks take back the money even after it has been cleared and removed from the account! They say it’s randomly done but it only happens when I make a second payment after I made the monthly payment on or ahead of due date!


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I recently opened a credit card account with Merrick Bank. I was never informed that I would be sent a pin to use the first time. After that I would be allowed to set my own pin number. I called to get my pin set and the rep was very rude. She did not understand that I had not been told this. She also could not understand that a pin was not mailed to me. I ask her to set my pin after she verified it was me by asking numerous questions. I answered them all. She stated all she could do was send out my pin again. I should receive it in 7 - 10 days. She never offered any other options or tried to get a supervisor to help her to see if the issue could be resolved while I was on the phone. At this point I have already had my card for 4 weeks. I am not at all pleased with the customer service I received.


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I’m a new cardholder & so far my experience has been great. No issues at all so far… Also the app works great. Have not had any problems with the app so far also… Customer service is also good. Talked to them a few times in the experience was good..


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Never a problem with this card. They understand my credit needs and never any exorbitant fees or charges! Don't know what else you can say about a creditor that never pushes an unwelcome agenda. They continue to upgrade their services in all sorts of areas.


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This bank has given me a chance to rebuild my credit which I am very appreciate of the opportunity, and I will do everything possible to stay in good faith with this company. Thank you Merrick Bank. My family is in Ah Of me having a credit card but I tell them all about Merrick Bank how they gave me a chance, I advise them to do an application just try and see what happens.


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Customer service has always been prompt and easy to deal with and they are great about giving you timely credit line increases as long as you keep your bill current. The online account access and monitoring is also very easy to deal with.


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I have had no issues with this card. I like the app. I like to card. I don't like the great service. You're a tiny man. The only thing I would say is I would like to be considered to have my but my limit raised.


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I'm very happy with everything with Merrick Bank. It's fast and easy to get the card. The staff always knows their stuff on the 1st call. Again I'm very happy with   staff there. I have not received any incentive for this review.


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I understand I have a few time return payment, but I have security deposit fee, thousand but even though I missed two or free payment they close my account. I think this is not acceptable. If possible, I would like to have this account reinstated.


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Low APR and great customer service. I would highly recommend if you’re looking for a great credit card company and looking to rebuild your credit. I have had my credit limit increased annually and the annual fee is very low.


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I want you to lower my interest rate and you won't. So I will be looking for a new card that has a better interest rate, plus by doing so they have 0% to start and you have nothing to offer me I guess.


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I would exclaim to them that it's great opportunity to establish or enhance their credit. Moreover it can also help with the ability to make it through the economic crunch we all can face at some point. I have been satisfied with the use of the service.


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I have had an account for years only had 1 or maybe 2 increase. I had a late payment in 2018 that's this on my report due to me getting less hours but things are much better now. My payment is on track. Card paid off. This no increase.


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My account was restricted for paying a balance in full over the credit limit. In addition I had to pay $15.00 to fax my bank account statements to get my card working and account. Yes I'm unhappy with the service and procedures of this company. I just like better service and at the least be restricted for a real reason and not for paying the card in full.


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Tried to pay my bill online, got locked out of my account because of a KNOWN ISSUE! Should have let us know via email or a message when you try to log in. Paid my bill with the woman at the call center which was fine but took a while. Asked her how to get my account unlocked and she told me I would have to call back another time. That is really inconvenient.


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Customer service is everything when dealing with banks and credit card companies.. I mean why wouldn't it be these people are dealing with your money. Well this bank sucks when it comes to customer service!!!! When you call for clarity on charges the customer service reps are so rude and definitely don't like to explain things that might need clarification. I am sorry I ever did business with them and can't wait to close my account in the coming month!!!


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You were one of the few companies that offered me credit when recovering from health issues a few years back and I appreciated that. Who knows what tomorrow brings, life is not guaranteed and should not be taken for granted. 


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I believe that in order to help make use of your services, especially for seniors, you could make it possible to make account payments by phone, with bank cards etc. Forcing people to make a special trip to post offices, stand in line for hours, get a money order, and stamp, and mail it in, we should not be forced to do that or give all of our banking info, just to auto pay. Almost sounds like someone enjoys stealing from people's accounts, otherwise you would not make it impossible to easy pay.


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I am very satisfied with the opportunity that Merrick Bank gave me to help establish more credit. Because of their commitment to me I was able to purchase my. FIRST HOUSE!! THANKS MERRICK TEAM. YOU ALL ARE GREAT!!! My credit was upgraded because of my Secured Credit card.


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They have done everything they said they would do for me. Very helpful to anyone needing credit help. I would recommend this to anyone. They have helped raise my credit 40 points so far. I’m a few more months. I will see another 15.


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I have never had a problem with them, customer service is always helpful if ever I need them. App easy to use too. I would say I just have had a great experience. Increased my credit line which was really nice too. I’m very pleased that I have an account with them. ***** 5 star rating. Thank you Merrick. I appreciate you so much.


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Would not refund a fee for me. I know I had already had one refunded, not the point. I have been a Merrick customer a long time. I had fraud and merrick called me asking for personal info. I was not comfortable with that at all.


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The monthly fee is the source of my dissatisfaction. I just paid off the card, think I am free of monthly payments at least until I spend, then get a notification that I owe $6 in the next 15 days or I will have a late payment fee attached. It is rather frustrating when I have paid a large sum onto the card to pay off the debt. This is not the first time this has happened, either.


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When I was notified of the new card change I choose the blush color. My card was lost in the mail. So I had to reorder and was not giving the option to get the card chosen which I was not happy with. I was told the option was not available however if I ordered it in the beginning it should still been able to be honored. I was very disappointed in this outcome.


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I like how the App makes it easy for purchases and payments. Thank you so much. I need to do some home repairs my flooring and that's about 5,000.00 and the front porch it's falling apart. Yes I want more on my card. If I just had one card with Like 10,000... I would get rid of My other credit cards. Well I'm paying everything off and then I'm going to remodel my house.


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You have one of the best websites around. It is easy to navigate and to use. If I ever have an issue, it’s taken care of with speed and great care. Merrick is very efficient in dealing with me and I am glad to be a customer.


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Was told my order would be rushed and it didn't get rushed and I wasn't told about it. Second time the card supposedly shipped and didn't. Not happy about this at all. Plus, I was misinformed a couple times as well.


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I love the online bill pay feature. The online app is very easy to navigate and read. I have never had any issues. I would very well recommend Merrick Mobile app to everyone who uses and/or does business with Merrick Bank.


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I think this is a great company. They answer all your questions and listens to what you have to say. I have experienced a great relationship with this company. Thank you.. I recommend Merrick to everyone you will not regret it.


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I was on the phone for 1hr and 40 min plus. Transferred 4 times and nobody had an answer. I asked to speak with a manager. They told me they were busy. I had called back late at night, spoke with a manager. The manager didn't have an answer. I had to be put on hold for them to find out.


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I was very pleased with the way that my situation was handled concerning my payment. I made a payment from an account by mistake and I corrected it immediately. I was not penalized for the mistake and I was happy to see it did not affect my rating on my credit card report.


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I wanted to know if I carried a zero balance would I still be charged the monthly annual fee and she laughed and said yes then she said no. So I still have no clue. She was very nice. I just felt that there was a language barrier which did not allow her to understand my exact question.


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I am happy with my credit card, however you switch from visa to MasterCard. I never got my Master card. Try calling on the phone but didn’t get anywhere. Too busy please call me to fix this issue. Thank you,


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I recently moved and changed banks, unfortunately my banking information was wrong and a fee was changed to my account, if all my accounts Merrick Bank was the only one that didn’t return the fee. The associate I talked to was very rude and unprofessional. I have always paid my bill promptly and am very disappointed with them.


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My interactions with Merrick have all been positive, helpful experiences. When I was a day late on a payment I had a prompt email reminding me to make the payment. The app has been super easy to navigate as well! Thank you!


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Merrick bank credit cards are great whenever I need to speak with a representative the wait time is not long and the representatives are always nice. I enjoy using my Merrick bank credit card because when I filled out the application for my Merrick bank credit card it said that every 6 months I would receive a credit line increase as long as my card remained in good standing and just as it stated every 6 months receive a credit line increase.


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I do like the credit card. I do wish there was a better way to get a credit limit increase. I also would like the account to be updated quicker-taking two days to update an account is a bit slow in today's technology.


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Was very helpful with explaining my credit card to me and helping me get through the process. Was very patient with the questions I asked and didn’t have a attitude. I would love to recommend this bank to other people


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This Credit Card company is professional, wonderful and very customer service oriented! All THEIR employees are in the United States and have the values of real America! I would recommend Merrick Bank to everyone, especially for the True Americans who believe in meritocracy.


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My credit number approximately four months ago was atrocious. Yet Merrick bank did not turn me away. In fact they were happy to have me as a customer and give me a second chance. I look forward to building my credit


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Merrick Bank was there when my choices were few giving me the chance. They improved my credit score. They improved my life and now I'm getting credit card offers from more companies that had refused me before. I remain loyal to Merrick bank for helping me on many levels. Thank you Merrick bank.


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My experience with Merrick Bank has been very basic and unsatisfying, I've been with merrick with over a year now. I have secured credit card which I never missed a payment and have had good history, I was never offered a better card or even a credit limit increase unless I sent my own money which is very bad after a year of being a loyal customer to you guys. Honestly if I didn't need this account for my credit history I would close it, please in future do better to your customers, I have other credit cards that made my secured cards unsecured and gave me a great credit limit in only 6 months. I hope you guys do better in the future.


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First, consider yourself warned. DO NOT apply for or deposit ANY money into a CD with this bank. My financial advisor disowned me because I blindly applied for a Merrick Bank CD. First, as we know it is ALL online with little or no guidance after a laborious application. The sketchy sporadic failure of the employees to answer the very basic questions is frustrating. Phone static and incompetent phone employees is insane. Nobody has any answers and the answers you get are VERY different than the ones you got the day before. My application took over 2 hours, I reluctantly provided all critical, personal information (I know, never ever do that) but I did. My application was accepted last week then today.... yup! They lost it. The lost my online application. Expect that to happen to you IF you are dumb enough to apply to ANY account with Merrick Bank. They are HORRIBLE.


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After 9 years of being a loyal customer never late always more than minimum due paid. Not only did they cancel my card they would not even speak to me about reopening my account. I was denied access to a supervisor.


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I am Very happy with credit card. I just wish my interest rate was less on purchases and cash withdrawals. I have paid more than minimum payment and wish that accounted for a lesser interest rate. I appreciate the credit limit increases.


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I enjoy using your product, I don’t have to call in with any issues but when I do I can count on your professionalism and ability to solve my issue. Very courteous and great value to use, also the ease of using your website.


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Merrick Bank is a GREAT Bank. I'm so glad to be associated with Merrick Bank. I give 5 stars, for excellent service and for the credit increases. Most companies advertise services and then do not honor the services, Merrick Bank delivers on all the services promised.


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Would like a better interest rate. Always a larger credit limit. Also some of the retailers I go to, do not accept Master Card, only Visa. Especially Costco. I shop there a lot, and now I can’t use my Merrick Master Card there, because they only accept Visa. Why did you make this change?


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No complaints. Bills are accurate. On time. The automatic increase in credit line shows that you are appreciative of consistent on time payments. I will definitely recommend your service. Wish that interest rate could be reduced rather than increases in credit limit.


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Little or no help at all. Trying for 2 weeks or more to get these charges off my card. On the phone waiting for 2hr. Took the day off because I knew it would take all day to speak with anyone. I have been a member 2013 good standing. Just don't understand.


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Was notified of possible fraud, froze account, issued new card, for 4 weeks I have been unable to speak to someone to dispute charges, transfer calls get hung up on, on hold for over an hour twice, leave messages and no one ever returns calls.


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Card doesn't work at Costco, the gas pump doesn't accept Mastercard. I always get my gas at Costco. I have to go to another gas station and the gas cost more. Costco gas stations do not take cash either. Thank you. Sally **


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Very polite, professional! Extremely knowledgeable and patient...The person that attended to me was nice polite and courteous. They answered my questions and solved my problems with speed and accuracy. It was a pleasant experience!! I did not have to wait long for someone to assist me. I was very pleased..


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I called regarding the interest I am being charged since my time with Merrick. I chose to have my call returned rather than staying on the line. That returned call never was returned. Whenever I call, I will remain on the line. I understand that the staff shortage has caused long waits, but I’ll wait.


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I have been a Merrick Bank card holder since 8/2012, and but the past two days was the last straw. I have an unauthorized charge to my card and I have been trying to dispute it for the past two days. Been on hold for a total of 2 hours in two days. Thirty minutes the first day (7/26/22), and 1 1/2 hours the second day (7/27/22). 


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I got a card over 8 months ago with Merrick saying they would double the credit line after the 8th payment. I made all 8 payments well within the timeframe, was never late, and few weeks later no credit limit raise. Tried calling them they never answer just leave you on hold, contacted social media help they want you to DM them only to call you and if you happen to miss the call then it's back to calling them back and being on hold and hold, even with the specific phone number and ext they give you on voicemail. Now they stopped responding to me at all. So yeah, look for better cards, don't go after this one to have more credit line cause it's all a lie.


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On June 6, 2022, I attempted to make a payment to Merrick Bank of $70.00 on their website. However, their site was down. Therefore, I scheduled a payment of $70.00 to Merrick Bank using Bank of America's online bill pay service. According to Bank of America, the payment of $70.00 to Merrick Bank cleared my checking account on June 13, 2022. I sent proof of payment to Merrick Bank on July 2, 2022. Merrick Bank, however, stated that they never received payment; and thus, have suspended my account and charged me a $29.00 late fee. As a result, I believe I’m being penalized unfairly. This is the second consecutive incident in which Merrick Bank has alleged that they did not receive my payment from Bank of America. None of my other creditors have ever experienced such issues. My desired resolution is that Merrick Bank waive the late fee of $29.00.


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I contact this company regarding an email that I received for upgrade. When I ask him a question about my concerns this man hung up the phone. So I had to call back and the speak with supervisor. The rep had put in the system that it was a disconnection issues. That false information that employee hung up the phone because, I ask a question about the switch from Visa to Mastercard. The Rep, said, "Let me tell you something" and I ask him, "Who are you talking to with the disrespect." The the services has gone downhill with this employees in these other foreign country. English language is not clear most of the time with the broken English. If it wasn’t for customers they wouldn’t have a job but this company need to make changes and provide serious customer services training each month. Some of these Rep behavior is really obnoxious and very disrespectful.


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I will no longer be able to use at Costco, there for your Stupidity and your greedy Management to change to Master Card which I also dislike. I will do my best to discontinue use of the card till I pay it off.


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Did not help with trying to work with me regarding payment history, lowering interest rate until working hour become back steady. Also, I haven't used this card since January 2022, at least you should grant me 6 months grace period until my money situation become back steady. Thank you.


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I am very happy with the service that Merrick provides. And the fact that you reward your customers with benefits that really matter, based on performance and compliance. Being willing to increase the credit limit, based on being a good customer, is very helpful.


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Easy, fast and useful. Everything has always been very personal and discreet. I feel that my personal information is very well protected. I feel very good being a client of Merrick Bank. I feel I can recommend Merrick Bank with confidence.


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A flight was booked using a Merrick Bank card in early Jan. I had covid and could not fly per the country's regulations. Merrick could not help in refunding the money after I was not able to receive help from the airline. They denied my case although for other purchases placed on other credit cards all were refunded. I am looking towards cancelling my account as my other cards are much better.


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My one complaint is that I had it set on my computer to automatically log in which worked great for a year. My computer re-freshened and forgot the login and password. I do not remember them and have been unable to get online again due to the impossibility of getting them on the phone. It tells me to go online, but without a login or password, it tells me to call them. A perfect catch 22.


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We love our Merrick card. Merrick bank is a great company, bank to deal with. They have Easy and convenient ways to pay, we like the notifications - it has been a great experience doing business with Merrick bank card.


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Called MB on a Saturday to have a new card sent to me, expedited, and agreed to the $29 rush fee. Told to call back on Tuesday for tracking. Called and no tracking. Called the next day and MB confirms this was sent out yesterday, standard. MB confirmed notes in the account that the replacement was to be rushed. Agent put me on hold for a bit and came back and told me they would send it out today, expedited, and waive the fee. Great! Asked for a tracking number and put on hold, call unfortunately disconnects.


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I like the credit card and had no bad experience until I decided to pay my payment earlier than the due date. I decided to pay my bill on the 1st thinking I would get it over with so I wouldn't have to worry later. Well they ended up on the following month saying that I never paid. I called and was told that because I paid on the 1st it was put on the previous month as I paid 2 times for that month. I was so livid because I was never told in any of the paperwork that you would be penalized for paying early. Which the lady I was connected to also stated how it's not my fault because they don't tell anyone. But yet I still have to pay twice the payment amount they had me pay a payment and added another at the end of the month. Which makes it 2 payments I have to pay and was not told that during the conversation on the phone. I had to find out when I looked on my statement. Lesson learned. I will not pay any of my credit card bills early again.


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Great communication via email. They offer autopay which is awesome. You don’t have to request a credit limit increase as they periodically check your eligibility and give you one if you meet their standards financially. They don’t have any monthly fees unlike this First Premier card I had that would charge $6 a month even with a $0 balance.


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I love this credit card. They are very helpful when you have questions and up your spending limit when you are keeping your account in good standing. The extra credit comes in handy. I just moved into a new place and the extra credit came in handy. That was great. I didn’t have to ask. Thanks.


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I would highly recommend Merrick bank to anyone. Great company. Always there when you need them for anything. Customer service is amazing. Very helpful and knowledgeable. I definitely am a life long merrick card holder. Of all the cards I got merrick is the absolute best. One low interest. Very fair reviews of my credit and very honest. Love this company.


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I found my experience with Merrick Bank satisfying, because it has given me an opportunity to reestablish my creditworthiness among other things. Merrick Bank offered me a generous line of credit to start, a chance to maintain the ability to use the Merrick VISA credit card in a responsible manner, and all the while help me increase my overall credit scores. I was then able to rebuild my credit, showing that I was deserving of the chance, and I went on to establish a good relationship with a creditor. Thank-You Merrick Bank! Ms. Terri


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I'm happy with having the advantage of a Merrick Bank card and would recommend to a friend or other. I've never experienced any issues and like the ability to view my account online. Paperless is good, paying online is great.


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I’m enjoying the service. It was my first credit card. The APR is somewhat high but my credit score was crappy when I applied for it. Just wish the limit increases didn’t take so long or were so little. I think I’ve had 3 increases. Had the card over 3 yrs.


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Merrick Bank has been great for me. I would recommend my friends and family to them. Customer service was great. They resolved my issues and will remain loyal to Merrick Bank. Merrick Bank keeps me updated on what's happening and when it's time to review my account.


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I paid my bills on time perfectly. Never missed a payment. I got approved for other CC and accidently forgot to utilize my Merrick CC for a little while. Next then you know, my account is closed without warning for lack of use after 8 years! Called CS and they were so callous about it, just kept saying over and over, "Sorry it's in the policy." Matter fact, I actually did not get not ONE sorry from any of the customer service. Don't waste your time with Merrick, they hate on their own customers. Spiteful and jealous corporation. Total **!


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Got qualified for a Visa. Received my card instantly and activated. My beef is that they sent me a separate PIN in a mailer which would not work. When I called their support to get it changed, got a very foreign speaking rep who first asked for my full account number, then my full SOC. I don't think so. Didn't trust that. I hung up.


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Does not follow through with offers they make to get you to open account. Their guaranteed credit line increase after 6 on time payments is scam. It doesn't happen. The so called guaranteed increase is just to sucker people in.


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After being a single mom for years, my credit was not exactly good. Merrick Bank gave me the opportunity to gradually increase my credit worthiness with regular increases for maintaining a good payment history. The automatic reviews are convenient rather than having to submit a form to increase my credit limit. I would definitely recommend this card to a friend.


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I have so appreciated Merrick's "trust" in me...when I first got this card my credit wasn't the best...but Merrick trusted me...gave me a chance...and has often increased my credit limit. This means so much to me. You are a great bank...and the couple times I have called customer service they were very helpful. Thanks a million. I love you guys...Bob **


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Merrick is not a company I would recommend anyone get a credit card with. They are horrible to their clients. I put a dispute in and had all the proof that merrick asked of me. The company I was disputing dispute me back. And even though merrick had all my proof they sided with the company. Capital One would have never done that. That’s why as soon as my balance is paid off, I will be closing the account. I will tell all my friends who are looking to open an account with merrick to just stick to capital one. Merrick does not value its customers. It’s all about money.


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I was scammed on Paypal. My bank, and Capital One both reversed charges. Said not my fault. Merrick did not. Said valid charges and screwed me with almost a thousand in charges. Will be paying off and dropping this card.


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I consider Merrick to be a fair and awesome company and I always recommend them to my friends and family. I really appreciate them because they are very friendly, courteous and professional to do business with. Thanks very much Merrick.


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After paying my balance in full my account has been restricted. It has been one week after the payment cleared my bank. I checked the available balance before trying to use the card and was embarrassed trying to make a purchase only to be declined. Customer service informed me I needed a letter from the bank stating the balance was paid. How can this happen when they see it has been paid in full. I have never been late and only one month from double my limit. Must be their way to get rid of you, but customer service also refused consumer request to close account with zero balance.


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You can be assured that Merrick Bank will help you find the resources that best suit you. I have a credit card with Merrick Bank that I have never had an issue with. You can trust the services that Merrick Bank offers.


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I am very happy with the bank. Their app makes it very easy to keep track of spending and making payments. It's always worked. No glitches. Recommend to friends and acquaintances looking for a good bank card.


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I have a couple issues with Merrick bank's credit card. Firstly, they have reported my credit usage at the highest point of my credit use. That is awful because I have always paid my monthly credit card bill in full well before the due date each month. I have NEVER carried over any balance whatsoever. I currently have zero balance, but my credit usage has not been updated with the credit bureaus! Because my credit lines are limited, the high credit usage on my credit report has adversely affected my credit score by -30 point over the past two months. It's making me feel sick to my stomach.


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When I call, it is impossible to increase the credit limit or to review my interest rate. Never missed a payment that I am aware of, and always paid more than the requested/required/suggested amount. When I did finally get through to a representative, she very curtly said, "We don't increase credit limits at the request of customers." Could have said, "We don't increase credit limits until it is time for a review." Would have probably been better received. Thank you, I haven't closed my account, only paid it off.


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I have misplaced my card in my home. I want to cancel and get a new one but you cannot do that in the app or online like you can with literally every other reputable bank. There is not a chat feature either, so my only option is to call and wait on hold. The wait time was over 30 minutes and there was not a call back option so I hung up and still do not know where my card is. I got a new phone and do not remember my password to pay my bill. I cannot reset my password or get my username because it requires knowing the account number. I do not know the account number and do not know where the card is. The lack of customer service is appalling.


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The reason I love Merrick Bank is because compared to other credit card companies, in my opinion, this bank is quietly doing the right thing. I have never had a problem that they did not handle quickly. My issues which have been few over the past 10 years was not problems with the bank and the way it operates. I honestly believe that when I never have problems with my bank it is because they are doing things the right way ALL the time, not some of the time.


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2 items ordered but never received. Charged to my account through PayPal **. Merrick Bank was great in standing behind the purchase. I did not know PayPal was involved. I thought it was going on my Merrick bank card. And there was no indication on the site that it was coming from China. I would never have ordered. Thanks for helping me with this!


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I'm fairly happy with my card. I appreciate the occasional review for limit increases and the fact that there is no annual fee. I'm not happy with my interest rate and ask that it be reassessed for a lower rate. Thank you.


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After realizing that my card was missing/lost, I put a quick stop on the website. Now, I've called several times to speak with someone about a replacement and discover that my wait time is unacceptably long. I'll try again tomorrow, Monday 12/20.


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They are kind, respectful, courteous and professional. They are there when you need them. They know how to give and how much to give. The payments are great, the rates are ok. I would recommend my friends.


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I am very pleased with Merrick Bank. I've never had any issues with them on anything. I appreciate the fact that you all gave me a chance to build my credit and keep on helping me with raising my credit score. Keep up the great work. Thanks and have a Merry Christmas.


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I disputed a charge on the account, they ruled in favor of the merchant. Once my account gets to $785.72, I will cease paying. I can not pay for a service I did not receive. And, now my car is making noises I have never heard before.


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I was a customer for nearly 5 years while I was rebuilding my credit. After paying off my debts I wanted to renegotiate the terms on my card, namely the monthly fee. I realize that fee is minimal but if I don't maintain a balance on the card why would I want to pay a fee. I called to cancel and sat on the phone for 30 minutes before anyone could help me. Apparently they do not value their customers as their only option to resolve this was to cancel the card. I called one of my other cards held by Credit One and they are actively attempting to remove the annual fee and keep my a customer. I will not recommend Merrick to anyone.


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I’m satisfied that with the customer experience and well as the function of the app. The customer service agent are helpful and friendly. I appreciate the automatic increase in my credit line from time to time.


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$1495 charge about 8-10 months ago. Disputed due to not receiving what I paid for. Followed all protocols, tried to contact company several times. Never received response. Was locked out of their acct. Immediately filed dispute. I was told by Merrick you spoke with them and they said was resolved with me. Never resolved, company NEVER spoke with me. I ended up paying the charges. Horrible experience with Merrick. Now that credit score improved, will be looking to move to a different card company.


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I have been pleased with the customer service I received. Still waiting on the last request to readjust the interest charged of $61. You actually should have received the payoff check prior to my due date as all the other creditors received their checks. Hopefully this can be resolved before my payment is due next month on the 5th.


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I have been with Merrick Bank for a year now and I love how easy it is to use their app. It's not just easy to navigate through my transactions and see what my balance, due dates, and pending transactions are, but it's great that I can schedule my payments prior to their due dates. Aside from those features above, I am so happy that I can check my credit score, which is really important for me to monitor and compare with other credit reporting apps and the three major bureaus.


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I have nothing but good things to say about Merrick Bank. They have treated me good and been a great source of help when I needed it. I would highly recommend them to anyone serious about having a good credit card.


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I have had Merrick Bank card for several years. I always pay on time. Then one day they just cancelled my card, no warning or notice that they were going to do that. I called and no one could give me a reason why. Someone just told me that they could do that anytime. I was furious since I always paid on time. Next thing I knew they had reinstated my card and raised my credit limit which I didn't ask for. I really do not understand their logic.


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Merrick Bank has been sitting on my credit card payments for weeks - this is per my bank Chase who assured me all 7 payments in question had been indeed sent to Merrick Bank. Chase also told me that Merrick Bank did not accept them. They do NOT help the hearing impaired. The only way to contact them is the phone and/or snail mail. I cannot talk on the phone. Sent 3 letters to Merrick Bank and NO response.


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It sure would be nice if you lowered the interest rates on your cards instead of increasing the credit. Eventually when I get my card paid off I am going to cancel it due to the interest. You guys do have excellent customer service.


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Guess my payment was losted in the mail and I had contacted my bank in which gave me tracing numbers to call Merrick Bank with and the lady on the other end had not a ** clue .... She kept telling me that take 10 days for payment and I sent my payment in 9 days ago....Facts I sent payment a month ago.


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I am a user on her account and have been paying on her account for years. I can no longer access her online account and have to pay by phone. I have called to explain this but person was rude and would not listen to my dilemma. The message I keep getting is you are blocked due to excessive attempts with incorrect information. That is just not true. I was told they would have to speak to my mom. She is 97 years old and not capable of a conversation. I would certainly appreciate some feedback on this. I have my own Merrick account and have no problems with it. Thank you in advance, Vicki L **.


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Merrick is one of my top banks. I am very happy with the way we manage my account. They have been there when I needed credit and (as long as you make your payment on time) had trusted me enough to raise my credit limit. I am extremely happy with Merrick Bank!


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There are too many steps to confirm that bill has been paid. I have made an online bill payment at least 3 other times that led to me paying a late fee. I assumed that the bill was paid only to discover that it was not. This is the only credit card that I have experienced this issue out of 5 credit cards.


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I have only needed to speak with customer service one time, for something was truly was my mistake, and they graciously gave me a couple day reprieve. It was very much appreciated and definitely needed at the time. I would certainly recommend Merrick Bank to my friends and family!


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Merrick being a credit building company for those who need a second chance, I cannot thank them enough! Limit increases automatically as long as you do your part. I hope this company continues to grow!


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A few years ago I applied to Merrick Bank for a credit card. My credit wasn't in good standings. Merrick approved a credit card for me and it was my first one. It has helped me raise my credit score. They also increased my credit limit twice. I would recommend Merrick Bank to anyone.


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I started out with Merrick Bank several years ago and they really helped me establish my credit. They have given me increases when I deserved them and when I have ever had a question or any information their customer service representatives have always been helpful and knowledgeable. I would definitely recommend Merrick bank to anyone looking to start their credit journey or just need a good reliable credit card.


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I started my account with $600 limit with an annual fee and paid on time for 6 months and it was automatically doubled to $1200 as promised in agreement and now after another year has gradually been raised to $1900. I have not had any adverse responses from the company nor problems tracking my transactions or payments on the website account.


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I applied for a cc. Was approved, however I quickly decided that this was not something that I needed- I did not want to keep this account and I wrote them to close it within a week of approval. I hadn't even received the card yet in the mail, it was never activated. Within a few weeks I was being hassled about my "payment being overdue." When I made contact via BBB for mediation, they responded telling me that I owe the "annual fee" regardless of whether or not I kept the account or even used the card. So to just get approval, I was immediately locking myself in for their "yearly fee", even after immediately closing the unused account. After my bbb report, they suddenly claimed that they had sent me a confirmation of account closure immediately after receiving the request- this was a lie as I NEVER received any confirmation letter.


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I like to pay my credit card account on the phone rather than on computer or cell phone. A few occasions I have spoken live to your staff and everyone has been knowledgeable and polite and were able to help me solve my problem.


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I like my Merrick card because your reward program is so simple and I never had to wait, or accumulate points, blah, blah, blah. I get the credit, how ever much it is immediately. The other cards kill you with complicated programs. Nuts to that!


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I received an email stating that I could win a Shark or Dyson Vacuum. So I tried and they told me that I won and the amount they could charge was $2.00. Well, they charged $49.95 AND I Haven’t heard from them since. I appreciate all the help that You gave me.


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A payment was made by a family member and because it wasn’t my account they locked my good standing account insisted on a letter of authorization from his bank. His banks corporate office said they do not do letters of authorization, Merrick insists they do. They refused to just cancel the payment and allow it to come from my account on file. I’m a customer who has never been late or over limit. So not only do I have to figure it out, I have an outstanding balance I can’t pay on because I’m restricted from my account! We always pay on each other’s cards and this is the only one who has given any issue. Spending a few hours on hold to try and straighten it out don’t make them any more appealing.


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Merrick did everything they said and helped me get back my credit. They are very easy to work with and I am happy to be back with my credit score. I really don’t need another credit card, Merrick is great. If a person wants to establish a good credit score they will help you.


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Merrick Bank credit card has been great for me helping me build my credit and thru hard times in my life. The only thing I would like to see is after a certain point Merrick would drop the interest rate for customers that have good payment history and their credit rate get up to a certain level.


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I’m a new home owner and I’m updated the curb appeal, new windows, new AC & furnace, new water purification system, and I’m updating a lot of the interior, my problem is cash flow..on had money to manage from week to week. Merrick Bank is a big part of helping me manage with the use of their bank card. Thank you.


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I cannot login to my account because it says too many attempts have been made. I called and worked with rep to change password. However, after one successful login, I received the same message that there were too many attempts. I don't know why this continues to happen, but it is frustrating. Now, I just call in to make payments.


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I have not had one other than my Double your line. The increase my wife had was a measly $200. If you want to compete with Discover or Credit Union then the increases should be substantially higher. I’ve been with Merrick for quite sometime without an increase and it is very frustrating.


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Never had any issues with the card or making payments. Thank you very much for being a great company that allows for people to get credit cards and build their credit. Good job! Have already recommended this company & card to friends.


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When I reported my card stolen I was told I will have a replacement in 7 to 10 day. I called back on the 10th day and I was told no card was requested so I waiting almost a month. I had issues with motels refunds and disputes on my account. I called and the rep said I can help you, you have to wait.


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We had prior credit issues and decided that we would only have one credit card. Merrick Bank gave us the exact credit line we needed to keep us in check. The easy access to information and the helpful customer service has been both satisfying and mutually beneficial for my husband and I. I highly recommend Merrick bank.


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I was in Hospital 6-27/7-7. Not enough oxygen to body?! When home I was so relieved I took time to just breathe! When I realized Bills were due, thought I had all bills, couldn't remember all. Called Merrick! Told them. Said all ok. Would not dun me. They did. Late fee 29.00 on 7/8. Still love my card!


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Although I’m not in constant contact with them, I do enjoy the fact my credit limit keeps climbing. I use the card only as a backup when my wife and I are on vacation. The payments are lower than some of my other cards.


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I have been very happy with my experience with Merrick Bank. I have always been able to contact the customer service when I needed help and the representatives have always been able to help me in a professional manner.


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Had my card for a couple of years and the automatic service works good to make my payments in time. It also gave me a chance to improve my credit score and my credit as well. I am happy with Merrick Bank and would recommend to friends and family.


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I am very happy with the way I have been treated by Merrick Bank. The credit increases have helped me to attain a greater buying confidence. I would recommend this card to anyone looking to start a credit history or rebuild a credit history.


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They're OK when looking to rebuild your credit, but once you get on track again there are much better options. Customer service is outsourced internationally and the interest rate is one of the highest in the market (at least for my credit score). On a positive note, overall, the mobile app works well.


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Every time I deal with someone which is rare I have the best help and they fix it immediately. I also use your app. Which is hooked to my bank account and with one swipe I make a payment by the way is pretty freaking amazing.


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After sending over tons of documents and waiting a week for a $5000 loan, they declined me due to income/debt ratio! I make $2500/month and my total debt is $5000! The whole reason I was applying for the loan was to consolidate and lower my payments. Ended up going through Prosper and got my loan the next day with minimal documents and a lower interest rate/payment! Don’t go through Merrick!! It’s a waste of time and money!! Use Prosper instead! I was much happier with their super easy application and super fast funding!


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I do not like the face that you will only take off late fees once a yr. If a person calls before their due date the late fee should be waived. I has some ill family members with covid & I managed to keep working as much as I could to pay my bills & also take care of them. So my paycheck were a little short & I just needed to put it off a few days & they said no because I had already ask for them to waive 1 this yr, due to the same circumstances. Almost always paid on time.


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I have never had a problem with Merrick Bank at all. Customer service is very friendly and helpful. Raised my credit limit without me having to ask. A lot of benefits with having this credit card and the list goes on.


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We love Merrick Bank... You have been wonderful to us. We hope to continue this lifelong relationship with you... We always receive good service and very helpful agents! Thank you again! I would recommend you to anyone!


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I have read some of the reviews. Those are company generated reviews. Click on MERRICK BANK LATE FEES and see what people really think. I have very good credit. To the point that I tell companies that I do not want any increase in my available credit. My bills come in and I pay them. Three times in the last year I have had late fees tacked on to my fees even thou I sent it in two weeks in advance. I sent four other bills the same day and no problems. The last two times that they charged me a late fee, I Had the postal service date stamp the envelope before I sent it out to prove that it was sent out at least two weeks prior. 


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So far I've had nothing but great encounters every time I have had to talk to customer service. The card always works and auto credit line increases have been decent. I personally would like to see more often credit increases but also understand on a business level why it is the way it is.


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No “order #” or request for assistance. I did receive a limit increase (unrequested). Only other business conducted has been my usual monthly payment activity. All this said, I certainly appreciated the unexpected limit increase and I always have a painless monthly payment experience. * I REALLY appreciate a very realistic and reasonable cutoff time. Some cards have a cutoff time which is actually early in the day of the date due, especially when time zones are taken into account. Seems somewhat unfair for your payment to be required made by 4pm of the date due, when it should realistically be midnight. Oh well, not Merrick. Live and learn AND read the fine print. Thank you!!


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This young person Jose ** Is just starting his life as a new High School graduate & is now going to College to continue his education in Diesel mechanics. Merrick Card has help me build my credit back up again. I believe this is a great opportunity for him to start on.


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So far I have no complaints. I’ve had a card with Merrick a while now and have had good credit increases. Also I don’t worry about extra fees or anything. What you see is what you get. I love the app and the customer service is excellent.


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Very pleased with the customer service and with the ease of doing business with Merrick Bank. I just wish there was a way that a long time customer as myself could switch my credit card account to a no fee account.


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I have a credit card from Merrick bank & my husband has one as well. They increase credit lines after 7 months of your account being in good standing. The credit line doubles at that time. Their customer service has been great as well.


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I am happy with my overall experiences with Merrick Bank and how you increased my credit limit several months ago. I think that you should have a better system for displaying recent credit card activity or transactions. I think it should be displayed on the account home page of your website, maybe in 30 or 90 day increments up to and including the last 6 months.


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This company has been great. They raise limits periodically if you make your payments on time. Their mobile app is very user friendly and works instantly if you need to freeze your card/account if you have a lost or stolen card. I really have enjoyed their services.


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Other banks have declined to give me credit card as I had no credit not because I have bad credit but because I just didn’t have credit. Merrick Bank not just have a credit card but now they upped my credit limit. I am happy with my card. Now I am building up my credit. Thank you.


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When disputes occur the Credit Card Companies have a legal obligation to be impartially and decide with Facts which party breached the contract. Merrick Bank did neither and demanded pay without investigation.


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I am very unhappy not realizing I was going to have to pay a fee each month not to mention the interest rate being so high. I guess with the Covid 19 going on and everyone's income being hurt others are regretting getting this charge card. Hopefully I can pay it off soon. One month I had a 27,00 extra fee and the gentlemen I spoke with on the phone said that charge was because I used the card to charge something. Well on that note I have been dearly trying not to use it. I will try to get my balance paid ASAP so I can close this account.


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I am very happy with Merrick Bank, they have been helpful to me on several occasions. They are courteous on the phone. They answer the questions that I have asked and they give me advice when I ask it.


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I called Merrick bank regarding a merchant who repaired my car. Come to find out the mechanic closed his shop when I went to complained about my vehicle. I logged into my card and I saw it was pending. I asked the customer service agent at Merrick please cancelled the transaction. They told me no. I was dissatisfied with the merchant. They did not repaired my car. I was told to filed a dispute. Meanwhile the transaction was pended. So I filed a dispute and I was denied twice. I was told they are not ensured to give me my money. And I have to go to small claims court and dispute the payment. I am done. You are better off getting a credit card from another bank. I have to pay $700 for a car that was not repaired at all..


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I was charged during Covid 19 restrictions for a gym membership that I could not use. I disputed these charges but it was found by Merrick that they were legitimate which I still disagree. I will not use this card for any type of recurring charge in the future and my Merrick card is no longer my regular credit card.


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I just wanted to say with you guys you're one of my credit cards that I've had the most advancement in the most payment increases with. I'm grateful to be affiliated with your bank and hope that we continue to do business together for a long time. I thank you guys for a continuing to be a great Bank even throughout this pandemic and I just wanted to say thank you.


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Considering that I am A++ credit, I found their high interest rate and poor customer service to be a limiting factor in using their credit card regularly. Then they clinched it by closing the account without any advance warning simply because I had charged anything to the card for 12 months. You would think that with a $45 annual fee they would just keep the account open for the free money they get off the annual fee, but nooo. No matter. I get better card offers from other banks all the time.


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Chase, so far, takes the cake when it comes to consumer UI and ease-of-security alerts, but Merrick Bank definitely has improved over the last couple of years in the consumer UI and ease-of-setup aspect. Still like keeping their Credit Card due to the constant automatic limit increases and the fact that it reports to Transunion and Equifax, at the same time, for the same card.


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So far as a Merrick Bank credit card customer I have been very pleased with them. Any questions are answered quickly and professionally. Rates are good and the online credit card management tool is easy.


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I have had a great experience with Merrick Bank, and their Credit Card, it has helped me to establish my Credit. And, has rewarded me generously, with credit line increases, for which I was appreciative, because of my excellent payment history. Thank You, Merrick Bank!!!


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Every time any unexpected charge has occurred on my husband's credit card account, we call customer service and they have looked into the charges with us right then and we were able to get the clarification needed.


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This was a great company for a secured card to help rebuild credit. I do wish they would offer the option to switch the account to an unsecured card after a period of time with a great payment history.


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Increase in credit limit, I have been a loyal customer for years. Pay my bills on time and gotten other credit increase, my credit score has increased drastically and high. Still has not gotten a proper increase in my credit line. I think I will use this card less and get another one.


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They made the payment manageable for you and getting to the website is very easy at all time. The only one problem I think that they can make the interest rate smaller after being a long time customer with good credit rate and keeping your account in good Standard.


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I scheduled a one time payment and then a day before the payment I signed up for auto pay but took both payments. I called and they said to call my bank there was nothing they could do. The bank won’t refund the payment unless I can show that the card was paid in full. I need my overpayment of $789.32 ASAP.


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Never received a refund for a cancelled flight due to the 2020 pandemic. The airlines gave me useless credit towards my next flight when I wanted my money back. I went through with Merrick Bank to force a refund and instead they sided with the airlines and refused my refund. Been a full year and nothing. When I needed you to protect my money during the toughest year of my life, you weren't there. I've since signed up with another credit card that actually reports with Credit Karma and Transunion (4 years since I got your card and have no credit to show for it!). Extremely disappointed.


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I would’ve kept a card if you didn’t nickel and dime for a four dollar a month fee with my credit. I don’t need to pay a fee of any sort as now I have three credit cards that don’t charge me annual fees so that is why I got rid of your card.


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Having Merrick Bank Visa card is been very great. In the past I had Credit card with other Bank, but they had to closed it because I was in a situation I couldn’t pay on time my bill. But when I got Merrick Application to build my scores by using their credit, I took this opportunity to use this Credit wisely and always pay on time. Ever since then, I started using it and my scores are good so far. I can recommend anyone to trust Merrick Bank.


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My account with Merrick Bank has been very rewarding. Customer Service reps are always helpful and nice. I would recommend the company to anyone. I hope that things will continue in the new year. Thank You.


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My experience with Merrick Bank, has been rewarding, in that I keep my account with always paying the amt. On the due date and try not to be late, and is rewarded with my limit being increased and it always come at just the right time.


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This was my first Credit card since I was 18. Overall I’m happy, the increase my limit every so months. The app is easy to work and pay. I just wish my APR would decrease and cash back opportunities were present.


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I was charged for something I didn’t do and I think it’s completely ridiculous that I have to pay for something I had no part of! I’ve had 3 different people tell me things, but regardless when it comes down to it I didn’t purchase or sign up for anything. Just because there’s an address that says they sent it to doesn’t mean I received something. I had to replace 3 cards due to possible fraud which was brought to my attention by MY BANK, that’s how I even noticed all this nonsense to begin with! I actually had just noticed something very strange on the hill in my yard up by the road, and once I finally went to see if it was an animal, it was actually a clear garbage bag of Amazon packages!!! 


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Overall, my experience with the bank have been average. The interest rate remains high even though my credit score has improved drastically over the years. The annual fee seems unfair since it is in addition to a high interest rate. I have received regular credit line increases, but they are small ($200-$400 at a time). Customer service doesn't offer much information about what is missing or what more should be done to improve my experience.


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Since I have been a customer for a long time and my credit score is very good, I think I should have my account offered to have not fees and a better rate. This has not happened as of yet. My FICO score is over 700.


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We appreciate your increase in our credit amount in these trying times. It has made it so we don’t starve most of the month. My wife has been in the hospital recovering from back surgery and have relied on having this card. Thank you again. Dayna **


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I would have given Merrick more stars but their unwillingness to reward people like knocking down their interest rate on your card. I have been a credit card holder with Merrick Bank for many years, I live on a fixed income (100% disabled) and I have NEVER MISSED A PAYMENT, NEVER GONE OVER MY LIMIT, NEVER HAD A RETURNED PAYMENT (money to make payment has always been in my account). I just feel when you make all this effort, and been a loyal customer that it should be taken into account.


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I have never been late on my account. I never asked for a credit increase but.. Merrick Bank never offered me either. Merrick Bank has never asked me how I was doing financially, they just ask for their payment each month.


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I got my Merrick card at the same time as a competitor's card. I have made payments exactly the same way on both cards. Merrick has raised my credit limit multiple times and is over double the credit limit on the other card. I appreciate them actually paying attention to my efforts and rewarding me for them. I recommend Merrick Bank to anyone who will listen! Thank you.


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I have had this card for about a year and a half now and have received 2 credit limit increases. Overall I have been pleased with the card however the Merrick App could be a little more user friendly. I also would love to understand how they determine the amount distributed at credit increase times.


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I have held a card for a few years with never having a late payment, I have other cards from other banks that the interest rates are a lot less. Would use the card more if the interest was lower and the credit availability was higher then I would pay more on it every month but kinda dissatisfied with the interest rate and available credit.


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When the pandemic first hit and I lost hours at work, I called all 4 of my credit card companies to ask for a lower interest rate and less finance charges to cope with COVID. All of my credit card companies worked with my except MERRICK. I have never missed a payment nor have I ever been late but they would not consider my request.


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Merrick Bank is an exceptional credit card company. They mean business and comply with all your needs to establish your account with them.


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No yearly fees and a lower interest rate than other credit card offers. I was approved for a generous credit line from the start, given some of my credit issues in the past. Payments post in a timely manner. Very pleased.


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I do not recommend. They closed my account because they stated that I did not update my address on file! I explained that I had tried several times, but since there were no changes, it would not accept the form. They "claimed" they mailed letters, but never received and stated that it was probably because my address was incorrect. They asked me to verify and SHOCKING, it was all correct on file. I asked if I they would reopen the account, and they said no I could reapply for another card. NEVER AGAIN!!! HORRIBLE!!!


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Merrick extended credit to me after having filed bankruptcy. They have helped tremendously in rebuilding my credit. I would recommend them to anyone looking for a good credit card.


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Great customer service and the app is easy to use. Merrick has also been helpful during these difficult times. They don't charge me a late fee when I send in my payment one day late like other credit card companies. They seem to have a more human quality to their company versus a lot of the other credit card companies.


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Merrick Bank has allowed me to grow my credit score in the right direction and also rewarding me regularly for being a “good” customer! I would definitely recommend this card for someone just starting with credit or trying to rebuild or just improve their credit score!


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You gave me an opportunity to rebuild my credit following a very difficult time in my life. You have consistently raised my credit limit over time and I appreciate that. I also love your Android app which allows me to check my balance and schedule payments with ease.


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I have had zero problems working with Merrick. I have made all of my payments on time & every few months I receive a credit limit increase. They have even called ahead before processing transactions that they deem suspicious. I would definitely recommend them to anyone.


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I want to thank Merrick Bank for giving me the chance to build my credit score for the better and for giving me a higher credit limit like they promised! I highly recommend them. Thank you so much Merrick Bank!


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I would have to say having the loan with them was not a terrible experience. However in three weeks since we pay off our loan we still have not received the title to our travel trailer and they continue to take payments out of our account three weeks after our account was closed in their system. I have to wonder about the integrity of this company and I certainly would not recommend them to others.


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I've had this credit card for over a year. There are so many inconsistencies with this company. Don't expect any credit line increases. One of the worst companies I've ever dealt with too numerous to go into to. Do not subscribe to Merrick credit card.


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I would NOT use this card. I had no issues until the day I needed to file a dispute. Merrick Bank takes a long time to complete the investigation and when the investigation is done the representative told me it's "highly likely the claim will be denied". I was always taught it's safer to use credit cards and not bank cards because in the event fraud occurs the credit card company will be diligent. In my case I ended up ordering a product online. From the time I hit submit I knew something wasn't right.


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I've been very happy with my Merrick Bank Credit Card experience. The application process was easy and my account gets periodic reviews for credit increases. The Merrick Bank Credit Card has helped me build and repair my credit.


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Very often, my password is incorrect and the system locks me out. Each time, I had to call the support. They quickly fixed the issue. It is annoying that it seems to lock me out often. However, the support are friendly and helpful.


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I love that you guys give automatic credit increases without having to ask for it or hurt people's credit to get it. This is truly the best card I have ever had except for the monthly fees. If those went away with time having the card in good standing, it would be the perfect card. ????


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I’ve been very happy with my experience using Merrick Bank. I would and have recommended them to friends and family. They’ve given me the opportunity to have a quality credit card and good credit limit while building credit. Thanks Merrick Bank.


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I have never encountered an issue that wasn’t addressed and fixed completely to my satisfaction by the end of my call. Merrick has been regularly reviewing my account and offering credit line increases since I’ve had my account. I’ve been able to completely overhaul my credit rating through my Merrick credit account.


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Time for someone to initiate a class action lawsuit against Merrick Bank. Like so many others, I have to send my payment in the day I receive the bill, because they usually do not post it for more than two weeks. When I call to question why they wait so long to post it,  they're not sure, but warn that I will be charged a late fee and interest if I don't make a back up payment over the phone, just in case they don't post it. I have excellent credit and pay off my bill each month, yet I've been through this countless times over the years. Can't help but wonder, how much money does Merrick Bank rake in each month by stealing illegal late fees from innocent customers? They need to be held accountable for their crimes.


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Great customer service interaction, staff very professional and friendly. Always polite and soft spoken. Exceptional customer care. Thanks Merrick bank for all the service you provide kudos to your team members.


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I use this card as tool to help rebuild my credit the rates are very high so having a balance can get costly. They do not help you when in a bind with any emergency credit increases, so don't count on them coming to your rescue like other credit card companies. They told me quickly that they are a secondary credit company and have very limited services that they offer.


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I am really big on customer service, whether it is via phone or online chat. I do everything online myself and rarely need help. However when I do need help I expect someone that is courteous, helpful, and knowledgeable. In the past I haven’t had any good experiences. When I verbally spoke with Merrick Customer Service to get help with my account I was thoroughly impressed and the level of knowledge and compassion this guy had! It was so great that I wrote a letter to his boss about how exceptional he was! Merrick right then sold me on their business forever!


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Easy to use and make payments. Merrick's app works very well for making payments. Easy to read/find menu options. Most everything needed is available on the app. Even your "FICO" score is at your fingertips.


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I opened a credit account with Merrick while working to improve my credit standing. After several months, I was notified that my limit had been increased! Very happy about that -- means I'm doing things right.


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Merrick Bank has been a pleasure to deal with. I have a credit card from them. After making six months payments, they extended my credit limit without having to ask. I make my payments online, so it's very easy to deal with them.


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Life happens-and after a nasty divorce I needed to rebuild my credit some. I got the offer from Merrick Bank and was approved. Six months of timely payments and my limit was doubled; just like they promised. Merrick’s customer service has been great and don’t regret the decision at all. Will be keeping this card!


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They have been most helpful in the past, and even raised my limit after 6 months. I cannot beat that anywhere! Customer service has been very courteous and friendly when speaking with them. I would highly recommend them if you need to help get back on your financial feet again.


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I have nothing but great service. I highly recommend. They have giving me the opportunity to rebuild my credit. 24 hour customer service. Favorable credit limits. Easy to use app to pay your bill online fast.


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Please be aware this bank is all about making money and get rich fast, and no concerns about how much it'll affect the consumers livelihoods. They have no intention of help you if you're going through a financial hardship like the covid 19. They claimed they want to help you establish your credit while they made you sign a lifetime annual fees, interest fees set for a lifetime. Here's what they did to me! I did set up auto-payment they took payment out of my account every month for 2 years. Until, I started to received call from a 1800 collecting payment for Merrick Bank. I thought I was scam. I said to the caller, "Hung up. Let me call the bank myself." Surprisingly, they deactivate my auto paid just to get me to reactivated again, so by the time they already charge me a late fee and reported me to all 3 credit bureau. Regardless, how much I fought with them they wouldn't change their mind because all they care about it's what you sign up for!


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I have been a member with a Merrick Bank credit card for over 13 years. Recently I discovered through Experian that they closed my account. I called them and explained that my husband had Metastatic Melanoma and passed away and that during this traumatic time and the fog of grief I had failed to use my card. They said they would not reopen my account. I inquired as to why, was I not a good customer? I was a very good customer. Always paid on time, never any late fees and generally paid my balances in full. The end result is I am being punished for the death of my husband because I did not utilize the credit card. 


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I have had the Merrick Visa credit card for several years. They reduced my credit limit because I had not been using the card. I received no warning or alerts. I just happened to be checking my credit report and my limit was dropped from $4800 to $300. They said they do this just before they close out the account. I was never late with any payments and this was my emergency credit card. They did not give me any warning. If I knew, I would have used the card if I knew they were going to close it. Not a reputable company. Would stay away from this bank!


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I have several creditors and during this pandemic, all but Merrick have offered deferrals. I called their number to see if I could get a deferral or at least get a late fee removed. After several years of on time payments,  I was late by a few days on a single payment. I explained that I’d been out of work for six weeks and would be able to catch up within a few weeks. The operator was short, unhelpful, and distracted by kids and a tv in the background. I paid the bill including the late charge.  A few days later I got a letter reminding me how important it was to pay my bills on time and, did I know that late payments would cause me to be reported to the credit bureau. Their empathy was nonexistent.


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Updated on 05/05/2020: So, as I stated below, 12 days ago I believe, Merrick Bank did reopen my account after they did review the tape to hear that their associate 4 times on the recorded line gave misleading info.. But, they told the BBB that I received misguided info.. So, I've tried for 4,22 hours today after speaking with 4 different depts., and hung up on 3 times, I have decided to pursue other legal actions against Merrick Bank, as they simply refused to do the right thing. As now my credit report has a massive negative mark on it too.


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I have a perfect payment record and a zero balance. I had not used the card in a while and I got an alert from my credit monitoring service saying my account had been closed. I called them. They said they had sent me an email. They had not. I have every email they have ever sent me. I logged into the website and I had been sent no alerts. They also said they had sent me a letter via mail and then acknowledged it went to my physical address where I don’t receive mail and that they did have my PO Box number. End result is the account remains closed. I expect better from them and I would not recommend them unless you are planning to charge away for life.


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I have had a Merrick credit card for over a year but did not use it until March 2020 while traveling. In April, the height of the Covid-18 pandemic, Merrick notified me I had exceeded my limit by $51 and DEMANDED AN ADDITIONAL PAYMENT above and beyond the monthly payment. No big deal, I made the payment. However, it demonstrates what an incredibly out of touch and uncaring organization Merrick is. At a time when most institutions are trying to help their customers, Merrick is demanding additional payments in an effort to boost their revenues. I will not use their card again.


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Have had this card since 2013. Have never made a late payment. Not once. Have never gone over limit or had any issues. Ever. Paid off the card last February. I check it often to make sure there are no fees etc. I have paperless billing. Never a message that Merrick was about to close my account. Got a letter in the mail that my account was closed due to inactivity, but has nothing to do with my credit. Impossible to get a hold of someone. They have the worst customer service ever. Finally get someone on the phone. No help. All they could tell me is that my account could not be reinstated. No further explanation or assistance.


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Every time I’ve spoken with an associate, they have been rude, clueless, and disrespectful, including a woman named Lou, and a manager named Andre. I’ve been on hold now for 2 hours on the dot and I’m still on hold.


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I have been trying to get Merrick to honor a 150 dollar payment since 3/22/2020 I have explained that I am stuck out of town and that my banks computer system is down due to the Corona virus situation. They have refused to let


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Merrick credit card was my emergency card they canceled my credit card because of inactivity without warning. I have a credit score in the mid 700s. I've been a customer for years. It's just a crappy thing to do to their customer. Also, there's no way to reinstate it. I'll take my business elsewhere.


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I absolutely Love how Merrick raises my credit periodically due to good payment history (even when I have a high balance). Customer service is very helpful and I like the mobile app. Everything is really easy to use.


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Had several increases. Always pay way over limit due. I have Requested lower rate and they refuse to do it. I also notice that when I have paid on their site, they do not record it right away. They wait 3-4 days so the amount they charge for interest is more. I never look at my bill mailed to me. I just know I owe it and have bank send in. This one day I looked and I had paid, over 300.00 in interest in 7 months and highest balance owed was 2500.00 of that. I am working on paying them off. They do not reward you for perfect payments with lower interest rate.


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My experience is credit card related. I'm working on building my credit score to well over 700. When Merrick offered and approved me for a credit card my score was in the high 500. Over a year later and with consistent credit increase (without having to ask for one) my current score is 693. I can attribute this to Merrick's excellent customer service.


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I have enjoyed being a part of the Merrick Bank consumer group. My concerns are always taken seriously. I have used the card for travel and have had no difficulties. They continue to assist me in learning how to manage me credit score with clear suggestions and answers.


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I have been with Merrick for a couple of years now, and even if I have paid on time and have been a good customer my interest rate is way too high. As a matter of fact I am working on getting this paid off and not using it again.


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I love Merrick but I am billed monthly for the yearly fee. I was paying off all my cards and paid off both merrick accounts I have and put the cards away in my drawer. I have had 0 late payments in 3 years but missed the monthly annual fee of 3$ over the course of 69 or 90 days which was somewhere around 9$ and it was reported to the credit bureau. I am livid about that. I know it was my oversight but I wish merrick would pull that report back. Charge yearly so people like me that have a 0 balance but have a slip up of a 3$ charge don’t have this issue.


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I have been with Merrick Bank for a few years now. I also have 11 other credit cards and my Merrick Bank card is one of my favorite. A little higher interest rate than the rest but I have always had good customer service and absolutely no hiccups with my monthly billing. I would definitely recommend Merrick Bank.


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I like their service and how they review credit and give increases automatically. But I dont like the annual fees and monthly fees! I think once you have been a great customer for over a year paying way more than the minimum balance these fees should go away. Because of these fees I am more than likely closing my account within a month or 2 at the most unless these fees disappear. Thank you. 


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I got the Merrick Bank credit card offer about 4 years ago. I had never heard of them before and did some researching. It seems that offer 2 different cards, one secured and one that is not. I was going to give 5 stars but took one away after reading some other reviews. I took one star away based on they are closing accounts of long time customers based on no activity without warning them. Lowering their credit tremendously and then finally cut off. Why cut off customers that should be considered as being loyal and has been a great benefit for both the business and the customer.


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I called to cancel the payment for my secured card but they still billed me for the card. I didn’t have money in my checking account because I keep my money in my savings account. My bank charged me for nsf even though I called to cancel it. Worst part of all is their billing department only opens Mon-Friday. What’s the point of having customer service if I can’t talk to billing on weekends.


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I have found that the Merrick Bank statements are lacking all the information. I would like such as the breakdown of the payment divided showing principal and interest, Plus statements are missing from the website. I have found several statements are missing on the site as well. If I could get my RV financed somewhere else, I would!!!!


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Merrick Bank has been excellent to work with. Easy web access, fair rates, great credit info and tips, overall great company to deal with. I would recommend Merrick to any of my friends or family members.


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I am so thankful that Merrick has been good to me. I was rebuilding my credit and they have helped tremendously with my credit increases. They do show you that you are being a good customer as well. Also, customer service is amazing! Thank you Merrick Bank!


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I’d give them 5 stars but I think the yearly fee is high and after being with you guys for 3 years they should waive it. The interest rate the as my other cards without fees so I think they need to rid of it.


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I have had nothing but good experiences with my time spent as a customer. I have been very pleased with the service which has been provided by Merrick Bank Services. I look forward to a long partnership with your bank. Thank You!


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I have been with Merrick Bank for over two years. I have been very satisfied with their services and would highly recommend them to my friends and family. I have had at least three to four amount increases, in the short time that I have been with them.


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Whenever I need any assistance or have questions about my account or services available to me, the customer service is extremely accommodating and most helpful... it’s a true pleasure to carry the Merrick Bank Credit Card. I feel that I’m honestly a valued customer.


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Since I was approved for a credit line on Merrick Bank, I never have any issue, my credit line has been increased 2 times without calling the bank, so I proud to be customer with Merrick Bank and also in the future will recommend someone. Thanks.


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Merrick has been exceptional for me. They offered me credit when no one else would. Steady increases in my credit limit and absolutely no problems. Would recommend to a friend with no reservations. Thanks for being there for me.


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The customer service representative’s name was Treasure and she was so kind and helpful during an extremely stressful situation. She immediately put me at ease and very quickly helped me to a successful solution to my problem. I have rarely used my Merrick Credit card but after this experience I will be a regular user.


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I was anxious to rebuild my credit after going through Bankruptcy 6 years ago. I was warned about bogus credit offers and sure enough I received several offers in the mail that looked pretty questionable. Merrick was the first credit card company that seemed to look fairly legitimate so I applied and was accepted for a modest credit line. I put the card to use right away with small purchases which I paid off each month and after a year or so they increased my credit line automatically. Later I had some emergency expenses that came up so I carried a balance for awhile but paid it off after about six months. The interest rate I paid was fairly high, but I figured that's what you expect from a starter credit card. I like the online account and payment system which seems to work well. I've never had to call customer service so I can't say anything about that part of it, but overall I've been very happy with Merrick.


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Absolute worst customer service I have ever had in my life. I'm actually debating on canceling this card because they are so ignorant rude and then woman hung up on me because I was not going to jump through hoops and she wanted me to do all kinds of craziness coz I got locked out of my account and I could not understand what this woman was talking about. Absolute worst service ever. I don't even want this card anymore especially is this is how you treat your customers.


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They approve you for fake credit limit. After you pay there annual fee they cancel your account and ruin your credit even more. I called in and everyone is in on the scam. They even tried to make up a security excuse.


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I have had a credit card through Merrick Bank for over 2 1/2 years now. I think it’s ridiculous that there is a $5.00 mo fee. I have never had a late payment. It’s the only card out of 4 I pay a fee on. I called and asked if they would waive the fee and was told no. I would close the card but it would affect my credit so I keep it. Not happy about that. Enjoy my $60.00 a year Merrick bank. Ty.


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Merrick Bank has less than mediocre services. I have this account for 6-8 years, always had fair to good credit, & I’ve only received/offered one credit limit increase. That’s been in the last 90 days after I decided I was going to pay the account off & close it.


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Merrick has treated me as a human being and has had faith in me when others have not. I have kept my end up by making timely payments, and when Merrick reviews my account I can typically expect a credit line increase.


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I been so frustrated and aggravated with Merrick credit card company, I been losing thousands of dollars because a flight purchase over internet, I used Merrick credit card to purchase the flight, after the purchase, it was no response from travel agency, about flight information, got nervous and file dispute with the merrick credit card, them a day later. I had some response and some exchange information with the travel agency I drop the dispute. On return flight wife and daughter had to stay extra days in Europe due to the dead of a family member, missing the day of departure, the travel agency recommended to purchase a new flight, and get credit for a lost flight, but in order to get the proper credit, they need an simple letter, from merrick credit card, with an merrick bank stamp and proof that the dispute is closed. But the merrick bank refuses to send the letter, cost me thousands of dollars, I got so frustrated I close the account with this credit card bank.


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Merrick bank had the worst institutional banking policies I've ever encountered. When I would send a payment on my credit card they would purposely withhold the payment until after the due date so that they could add a late fee. It didn't matter if it was a check or money order. They would wait to post it. I sent in payments up to 2 weeks early (before due date), and they would not post it until it was a late date. Their practices are legally questionable. I paid off my debt through a collection agency and they have refused to post it to my credit history. Do not use this banking institution.


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This company promises to double your credit line after 6 months. I made my payments early and paid the card off early at one point. I called 2 weeks before the credit line increase date and asked for it early since I paid all of payments early. They declined, so my advice is to go with another bank, they don't care about their customers. Credit One is really good, and Capital 1 if you qualify. Avant and Indigo are also good with their customers.


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I am extremely happy with Merrill and believe that I have been treated fairly and would willing and gladly recommend thorough others. They were kind and took a chance on me when I really need it. I am forever grateful and feel blessed to have found them.


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I have had a very positive and productive experience with this bank. Ease of access to my account, secure banking, and an overall positive relationship with this bank has made me feel secure in my dealings with them. I would like to explore more avenues with Merrick, thank you for the opportunity to express my opinion and experiences.


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Agents are unknowledgeable and unhelpful when needs specific answers. Meaning, when calling, then asking in depth questions which require calculations, you are put on hold for an extensive amount of time where the the agent assumes after while you will become impatient and end the call, on hold for 30 minutes at least. However, I decided to call back, hopefully the next agent can be more helpful. Repeated performance with the next agent. After my 4th attempt, with the last agent, calculations became too confusing so she place me on hold for a supervisor, which I was placed on hold again for 30 minutes. Therefore, I just decided to give up, this was becoming too much of a task just trying to get valid answers. All I wanted to know is an, "explanation on the hidden fees", no one could give me substantial information nor answers. THIS IS NOT A SMART INVESTMENT!!! Too many hidden fees and escalating rates on a monthly basis.


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I had been a good customer for years. I received a letter this month stating my account had been closed for inactivity. I have never made a late payment and have been an excellent customer. I called customer service and they refused to reopen my account. I feel that a company should advise its customers prior to closing a credit card account instead of after...not a good way to do business.


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This is by far the worst bank/credit card I've ever owned or worked with. The fees are absolutely ridiculous along with the APR. However, I looked beyond that because I'm working on my credit. If you ever have a question or concern about your statement, the customer support team has no clue how to do their job, or know even how to look at a statement. I had to explain 4 times the number I was looking at on my statement, and what I wanted to know. This lady just kept saying "I don't understand the question." I wanted to know how they calculated the balance subject to the APR. It really was as simple as that! I'm not sure if she didn't understand proper English, or was new but that's not the first time I've had this issue. I just want to pay this credit card off and close this account.


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Opened a line of credit for when I need it but they up and canceled it with no notice for lack of use! Looks bad on credit report!! A notice would have been appropriate but nothing!! Will never due Business with this bank again!


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Merrick is the only credit card that actually reward you for on time payments! You don't have to ask for credit limit increases as long as you pay your bill on time every month! This is the model all credit cards should follow! Thank you Merrick for being a cut above the rest!!!!


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I love the account I have with Merrick. It's easy to pay the bill, set up notifications, etc. It even allows for a quick view. I wish they hadn't made it to where you have to log in from a computer to see statements. I opted out of paper statements and am on my phone more so than a computer. Thank you Merrick for the opportunity to rebuild my credit!!


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Called the Customer service to update my phone and address. Rep 1 Updated my address. After several "security questions" refused to update my phone number on file. Sent my call to Katelyn in the security department. She began to ask me several "security questions". I obviously answered all questions and began to ask what was the issue with updating my telephone number. She stated she needed to be sure this wasn't a fraud call. After answering all my questions she refused to update my phone number. This Makes no sense what so ever. Worst card service I've ever experienced! Too bad I had to select a rating cause truthfully Zero Stars for Merrick Bank!


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Fraud Dept. called to see if I charged items. At first I didn't know if I charged some items but by looking through Emails I did. But when I said I wasn't sure they canceled my card.. Very happy and impressed they called right away.


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Since I been with Merrick, I had great customer service and nice increases. I never had a problem since I been with and hopefully it stays that way. I will recommend them to my friends if I had some. Great job Merrick.


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I’ve had Merrick Bank for almost 2 years now and they have been nothing but super to deal with. Merrick bank gave me the opportunity for a credit card and I have now increased my credit line 2 times. Thank you Merrick bank.


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I was informed about 14-15 months ago that Merrick Bank would be taking over my account from Nationwide. Set up for online payments, was told I would receive a card from them. Never did, pretty much forgot about it, didn't use the card much anyway when it was Nationwide. Get a letter today saying my account was canceled for non-use over the last 12 months and it won't be reopened. Maybe if they'd actually sent me a card...really stupid way to run a business.


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I asked 2 years ago for a rate reduction. They said no so I paid off card then within 2 weeks of not using it for a year they closed my account without any notice of any kind, glad I didn't need to use that card after my account got closed.


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I am thankful for getting approved for a MB credit card. Not only has it helped me rebuild my credit but I've earned several credit limit increases for making on time payments and keeping my account in good standing!


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I've paid my bill on time and requested to have a reduction in interest rate. They denied it saying that for the life of the card I would not get an decrease in my interest rate. Well, that's good to know because I will pay them off and never use that card again!


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This has been a excellent credit card to have. I have received 2 limit increases in less than 1 year. My limit is currently almost 3 times the amount of my initial limit. It's nice to see a company reward their customers for good spending habits.


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I have never dealt with such a good company before. I had my first ever purchase dispute and they were so good to me the whole time until the issue was resolved. The app is very user friendly and they definitely award good payment history. I'd recommend Merrick Bank to anyone.


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I have not used my Merrick card for any purchases that I can think of. I have had my Merrick credit card for 5 year and have always had excellent service. The employee with Merrick have always been courteous and attentive any issues I have had.


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Beware! Systems and protocols are outdated. There are several system issues I have personally experienced with Merrick Bank credit card. The login system continually logged me out, making it that I had to call and reset my password monthly. Autopay system deleted my auto-pay set up when I made an extra payment. I asked for a letter to be faxed and did not receive the fax for over 7 days. Customer service reps are friendly and seem willing to help but could not resolve the issues.


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If you're lucky enough to get approved well you got a great card with 360 use advance experience... allowing for growing your credit with them. Also, reward for good on time payments of your account... I found them to be excellent. Have a Merrick bank card. Thank you.


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I'm unhappy with this credit card company. I've been with Merrick for years, and I've never been late. They have no benefits, they won't lower your interest rate and they don't increase your available balance unless you charge a bunch of stuff and carry a balance. You can't even request an increase. The one thing that made me write this review is because my TransUnion credit score for my card dropped 23 points for absolutely no reason. I have several credit cards and the TransUnion FICO score is the same on all cards except Merrick. My credit score is over 800 but Merrick only went up to 799 and the next month after I paid down my student loan and about $1000 on one credit card that has a balances they dropped my score to 776. I called to ask why my score dropped and what they were taking in to consideration to make it go down and of course they said they didn't know. They told me I should contact TransUnion, so I did. 


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I bought a credit building credit card to improve my credit score. The price for the card was a so called $75 set-up fee plus an annual charge of $48 for a total of $123. The credit limit was $500-$123 giving me an available credit of $377 when receiving my card. I activated my card and used $63. They added the $123 giving me a bill of $185 which there was a minimum amt due of $35 with a due date of 11/27/2019. Well I went online to pay my bill, they asked for bank info for set-up (routing number and account number.) I entered my routing number and account number but it would not take my account number so believing since it was tied to a check, I entered/added a check number to the end of account number and it accepted it. I made a payment of $302.97 on the 11/13/2019.


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I have called before and ask about a decrease in my interest rate. Normally I do not pay attention to things and did not realize the extremely high interest. I ask her for a interest rate reduction or I will make sure this account is paid off faster and then cancel my account. I feel like I have paid you every month with no late payments and feel I deserve a cut in rates. I have not missed a payment on your account or any other account. Screw the score.


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I cannot wait to transfer my balance and cancel this card. They are criminals with the interest rate they charge. They try to hostage you and rape you with the interest rate. Avoid them at all cost. I've had the card for years and have always paid on time. I have recently accumulated a balance and I asked for a lower interest rate. There was zero consideration.


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Merrick Bank is outstanding. I’ve been a customer several years and just love them. I never have any problems and if I ever have any questions or concerns they address them immediately. I couldn’t be happier.


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I started my credit with you and have never been disappointed. I even have 3 other credit cards even Discover. Even though the limit is $3500 they control what I can do when I want that's why usual balance is paid.


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I would say it has been awesome for me. Customer service is great. The only thing I wish would change is the app for international. I wasn’t able to make my payment on vacation. But I had my son call for me and let them no the date and time I would be back in the United States. I was two days past my due date but it was no problem. I have never been late or miss a payment. To me that’s outstanding customer's service. Thank you Merrick Bank. Jeffrey


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Following my divorce in 2012 my credit got shot through no real fault of my own. I decided to get the Merrick secured visa to start rebuilding my credit. I've now had the card for about 5-6 years and have always found customer service to be super friendly and helpful. The only real downside to this card was the limited line increases which only happened after about 2-3 years and were initially quite small. However, as my score has increased over time, these have become a bit larger and more frequent. If you're trying to rebuild your credit, and are willing to make payments on time in the future, and have the patience to do so, then I would definitely recommend this card.


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My experience with Merrick Bank has been exceptional. Online access to my account is easy and quick. Communication from the bank is regular and good. I do not receive a bunch of junk mail or offers which do not interest me. I have received increases to my credit limit as my account history has changed. Nothing to complain about here! Thanks.


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We'd actually never heard of this bank until we received an offer in the mail for their card. So glad we did it! It's been a real benefit to our finances AND to our credit score. Of course, we are careful to make our payments on time, and usually pay more than the minimum due. So far, they have increased our credit limit 3 times in the 2 or 3 years we've had the account. Great choice for rebuilding your credit. I would recommend this bank to anyone.


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I received a letter that had detected that possible fraudulent activity had happened with my card. I spoke w/ a rep who informed me that someone had attempted to use my card for $800 in New York and that they had used my card 2 other times for pizzas for over $100. He asked a few questions and then informed me that my old card would be cancelled and replaced and all the charges would be removed. For me it was a major thing made simple and handled quite well.


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In May of 2019, I was alerted by Merrick Bank that my credit card had been used in a fraudulent transaction. When I received the call, I was actually traveling to Lowe's in Delaware to use my card for purchases I needed. The representative informed me that an immediate cancel and re-issue was needed for my card; but she allowed me to use my card for the immediate purchases I needed, as long as I agreed to call in after I made my purchases and then Merrick would cancel and re-issue. Three months later I lost the re-issued card and had to call back in to perform another cancel and re-issue. In both of those situations, I was treated courteously and respectfully, and the new cards arrived in less than a week.


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Being a loyal customer with Merick Bank all these years, you have never given me a break with my interest rate at all. I believe I should get my interest rate lowered. There has never been any other problems. That's why I only rate you with one star. Why are my interest rates still high?


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So far, has been rather amicable and satisfying! Would like to know why my card credit amount keeps fluctuating at times, but other than that, it’s been a good relationship with Merrick! I would do it again!


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I am so glad that I choose Merrick Bank card to help me build my credit. They gave me a real chance when no one else would and after faithfully making my payments as promised they gave me a credit increased as they promised. They have friendly customer service and their rates are not out of the roof. I also enjoy the app to manage my account. Thank you Merrick.


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I have had nothing but a positive experience when dealing with Merrick Bank. I have been with them for over a year and called about questions several times. None of the question were about my bill. But about some of their policies and a few other issues. The answers were addressed promptly, clearly, and to the point. In my opinion, if I do not have to call, email, or contact Merrick Bank in any way they are conducting business in the most professionals and proper manner way possible. I am very satisfied with Merrick Bank. No one deserves a 5-star rating. No one is perfect.


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I think this is one of the most fair credit card companies out there. You start with a decent credit line and you don't have to beg for credit increases. They are very attentive to your spending habits and you are then given a boost to your credit card accordingly.


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My experience with Merrick Bank has been very positive. Customer service is excellent and they increase credit limit with positive history and score increases. The fees are relatively low for a card that was originally meant to help restore credit. Although my score has gone close to 800, I am keeping this card!


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My experience with Merrick credit card (bank) has been exceptional. They took me on when my credit was poor. They have gradually increased my available credit. They have an excellent and easy to use online web portal....assuring I always know my balance and due dates. Great job they've done in helping me rebuild my credit. I now have several highly rated credit cards but I won't cancel Merrick, they were there for me. I continue to make them my primary card.


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Just writing to say I had a pleasant, prompt, thorough experience with customer service representative Rita today, she was able to answer and assist me with my questions & concerns... in the future I know I can feel confident if I have any other concerns of which I may be calling... thank you.


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Never really had an issue, the only time was my cards chip did not work, they actually sent me a new card within 48hrs. Definitely recommend them to anyone. I wish I could use it with Samsung pay, otherwise 5 stars.


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In February 2019 I had received my credit card statement from Merrick bank. Upon review I had noticed a charge that I did not make. It was a charge for $578.99 via Walmart.com. I immediately contacted Merrick bank to open a dispute for this fraudulent charge. Talking with the representative on the phone I was told not to worry about this and this will be taken off my account. I was a bit taken back by this statement but thought what the heck they know more than I do even though when i had issues like this many years before with America express they had opened a dispute and sent me documentation on that dispute with full updates, in this case Merrick bank had not sent me one piece of document confirming an ongoing dispute or investigation. During this call I was told that in the coming days my account will be updated and I should see this charge disappear from my account. 


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I just want to let everyone know that I have always had great customer service whenever I had to call!! I am so glad that they speak English...and oh so very pleasant.. Thank you Merrick!! I was also told they keep raising your credit limit!!


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High interest rates. No late payments in 2 years. My interest over last few months was in the 40’s.. 41%, 44%, 43%???? That’s double what I pay on my other cards. I closed the account to just pay off amount owed in payments and the customer service told me that even with a closed account that I would have to STILL pay a monthly fee and an annual fee!?!? I have never heard of that before!! I feel like it’s robbery... and do not recommend them.


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I have no complaints about my Merrick Bank Card, or any experience with the company. It has been carefree since the day I received my card. The website is easy to maneuver when making payments. Thanks for great service, keep it up.


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Merrick gave me a credit card when nobody else would. They promised to double my credit limit after five months. Merrick originally issued me a credit limit of $500, five months later I received my increase as promised making my new credit limit $1000. A few months later another $200...Well a few months later another. I called Merrick to see if they give more then $200 of credit increase. The gentleman said no. $200 is the norm. Regardless, thank you Merrick for giving me a chance to build my credit back, from when I was young and stupid.


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Pre-approved came in mail. Low amount of credit to begin, then goes up after you make your payments on time. Their online service is excellent and easy to use. I can see my charges the next day and can pay them then, too! Have had absolutely no problems with them! Love Merrick!


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I have had my card for years and I am very happy. I would like to see the monthly fee go away, but otherwise a good card. And one thing that I am very impressed with is they judge me on my reputation with their bank and have gotten frequent credit increases. I appreciate that.


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I could see if I was late then I would not mind paying for past due or late payment but that probably hurt my credit scores just because I made an early payment. I got upset and hung up and I didn’t know you couldn’t make an Early Payment.


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As a satisfied customer of yours for many years, my only complaint is the high interest rate that you continue to charge me. It never goes down despite the generous payments I make every month that exceed the minimum amount. I think you need to take a better look at me, and what you charge me going forward. I feel I deserve more in return for my business with you. Thank you. Sincerely, Robert


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I would recommend Merrick to anyone. While rebuilding my credit I have found that their website was very easy to use and very professional. Any interaction with their staff was always cordial and professional.


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I have excellent credit and numerous cards with high limits- Merrick Bank is my only card with a very low limit which prevents me from using or even thinking about. When I travel I don't want to feel like a low level.


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this card is great, no hassle. They give you a certain amount of credit when approved and after making 7 payments they raise your limit. I have no problem with my card and love it. I would recommend this card to my friends.


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On August 28, 2019, I received email remaining me of my past due to payment. I make a payment on July 26, 2019, for August payment. My online account stated that I wasn't due until September 21, 2019. So, I call customer service and explain to the rep. Quincy ** that I wasn't late and didn't want to reflect on my credit report. Mr. ** researched the account and got his supervisor to remove the negative remark and credit me the late fee. This is the first time that I have had any disagreement with Merrick Bank. I hope this problem is taken care of, and it will not affect my credit. Thanks.


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Have never had a bad experience when talking to the customer service always polite and helpful. Love the low rates and the option for little people like me to have a credit card and pay a low monthly fee. I am very happy with all the experiences I have made since having and using the card. Thank you.


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Awesome customer service! I’ve never had any issues or concerns. Proud to be a customer! Merrick Bank I’m a fan! I would recommend them to anyone. They have been more than fair with me and have given me a fair shake.


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Disputed a tip that was added to my purchase because I did not leave a tip. I told the gentleman that over the phone and said I did not have a copy and asked him to make the merchant show that I left one. I wrote on the slip 0.00 tip on purpose. It should be my responsibility to prove it. It should be the vendors.


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I just wanted to check my balance on the morning of 8/21/19. After the automated system asked press 1 for your balance or 2 for another account, I pressed 1. Unfortunately, the system kept saying my selection was invalid. It happened over & over & over.


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I have no issues with Merrick Bank. I NEVER recommend financial institutions to "friends nor family". I wish the Interest rate would be the same as I have in Belgium. There I have a 9.99pct p/a rate. Jean-Pierre


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Coming from a pretty wrecked credit background after losing my job in 2013, I finally started to turn my credit around in 2017. Merrick gave me a $500 card with a guarantee of going to $1000 with 6 months of prompt payments. They did. Now I have $1800 and it feels good to have earned my way up to this level. So yeah, I love Merrick Bank. They reward you for being a good customer.


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I love using Merrick Bank. The ease of navigating on the website makes it a breeze! I can log on, make my payments anytime, day or night. I can view my most recent transactions in real time; as well as my balance and available credit. I recommend Merrick Bank credit card to anyone interested in a carefree protected credit card. Plus it helps build credit! Thank you Merrick Bank.


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Merrick Bank offered me a credit card when I had a score in the mid-600's and was trying to rebuild my credit. The interest rate was reasonable and the ease of use of their website and mobile app was accommodating. I still have that card and use it for trips and special occasions. They have upped my spending limit several times both with and without my asking for an increase. I plan to continue using Merrick Bank indefinitely.


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I like Merrick Bank. I have 3 credit cards and Merrick is the only one that consistently rewards me for timely payments and in 2 years has increased my credit limit from $500 to $2000. I have had other credit card offers but will not leave Merrick because of their loyalty to me. Thank you.


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Merrick Bank has been fair and easy to work with as a credit card provider. This provider is geared toward accounts for people with less than stellar credit and the interest rates reflect this. They increase the credit line based on payment history and amounts - I pay much more than the minimum each month and they have increased my credit limit 3 or 4 times since I have had the account. The only drawback is that they have restrictions in place that may be detrimental to the average consumer - it takes a week to post payment and regain the amount on your credit line, but if you need it quicker they will do that - for a fee.


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They have admirably honored their commitment to doubling my credit limit after 6 months, even giving me a little bit more after a few months after that and I am quite satisified with their company. I will continue to use it to improve my credit.


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Since receiving my Merrick Bank card I have experienced great customer service and a credit card that's looking out for me - the consumer. I don't have the greatest credit yet since receiving this card my credit has continued to jump up!!!


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I want to be able to order additional or replacement cards for my family members, and Merrick Bank doesn't allow this. Also, I want to be able to submit disputes online, and they don't do this either. Very disappointed in Merrick Bank, would NOT recommend them.


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I have had a good experience with Merrick Bank Visa. Being accepted with a poor credit rating has been much appreciated. My Merrick Visa has been beneficial with elevating my credit rating. I recommend Merrick Bank to anyone needing a second chance at reestablishing their credit. Thank you Merrick Bank!


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My experience with Merrick Bank, has been great, I've been very pleased with the service I've received them. I would definitely keep using them, and recommend them to anyone that asks me about them. Very happy customer.


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After a short sale 10 years ago, my credit was messed up. Merrick Bank helped me establish great credit with my first credit card since that event. Yes, it took a secured credit card with Merrick Bank to help me go from low 500 credit score to 790 today. I have recommended to friends, the ease of working with Merrick Bank and the credit monitoring that comes monthly with access with their e-app.


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Merrick Bank usually finds our card next day after payment. This time, it's been 5 days. My wife contacted them. Apparently they wanted us to upload a bank statement showing the payment was made from our bank, and that it cleared, and that we didn't overdraw to pay it? WTF is that about?!?! Thanks for ruining the one weekend a year my wife and I have off to take a trip. I cannot stand their customer service. We are still jumping through hoops to prove to them that we paid them. Definitely not OUR JOB to do. AVOID MERRICK.


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I have other cards. This is my favorite one. When my family was going through a difficult time you gave me options to maintain my good standing. Once we were past it you assisted me by keeping my line of credit available and as time has passed continue to increase my limits. Thank you for your integrity.


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This bank I great to deal with. I dont like being hounded by companies with other credit card offers, or reminders that you have a certain amount of available credit, so go buy something. They don't harass and they just let me use my card as I need with very little interference. Easy to deal with, as far as I can remember. I dont think I've ever had an issue where I needed to contact them. I would definitely recommend this credit card.


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I am very satisfied with my association with Merrick Bank. The Customer Service are always helpful and know what they are doing. Credit Line Increases are always available without any problems and usually Merrick Back gives me one without me asking for it. I like that they show their appreciation for my making payments on time with this example of how they value my business and they seem to value a good relationship above everything else. Would recommend Merrick Bank to friends and family.


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Like many others I received a letter in the mail stating I was pre-approved for a card. I did all the steps and applied, was approved and waited 7-10 days for my card. Well over 7-10 days went by and no card came. Within this time frame I was in the middle of moving but I had access to both mail boxes. The card didn't show up at either one. I went ahead and changed my address with the postal service and all my mail was being transferred to the new address so there still shouldn't have been a problem. I got mail from other businesses without a glitch. I called Merrick Bank customer service to find out what happened and was assured it was on the way and the holiday (July 4th) may have been the hold up (mind you the holiday was not in between the 7-10 days it was literally 4 days before the card was shipped) and that if I didn't get on the day that was stated (July 22nd) to call back and they would rush me a new one.


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Horrible and horrible credit card. I pay my bill on time every month and I’m being charged more interest on the card every month. The balance is portrayed to be going down but the interest rate continues to go up. So if I’m paying on time every month mind you I’m not even using the card for months only $5 of a $35 payment is being applied. I can’t wait to pay off this card. Very horrible.


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Merrick is wonderful. They gave me a credit card when not many would, explained what to do to earn higher limits, and did exactly what they said when I followed their instructions. My best credit card!!! Thank you Merrick Bank!!!


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Constantly change statement dates to catch account holders off guard. Post payments to wrong month to add late fees. When contacted it is an outsourced contact reading a card who lies, says they will fix their mistake (over $100 over 3 months) but refuse to actually do anything, it is just to get you to hang up. No matter what the proof of the actual evidence is, they post payments to when they feel like it. Closing account and transferring to card with better reputation and where I don't need a translator and a lawyer to repair a mistake or multiple mistakes, clearly on their end.


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Overall I'm very pleased with Merrick Bank. Their online site is fairly easy to use & I use it often. I've only had to call with a question once & that was about a decline when I went out of state for a week. It was promptly taken care of with the call. I now know how to handle it so doesn't happen again & I'm very satisfied with Merrick Bank.


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Merrick Bank has been wonderful to work with over the past several years. The website is easy to navigate and the information provided is excellent! I would highly recommend them to anyone looking for a customer-friendly bank!


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I received an offer to apply for this credit card and I did apply after reading carefully the reviews. Most of the customers did rate very well. So I was, "Why not? It seems like a good bank". However pay attention when you pay your credit card they place a hold of a week to have your money available. Today I'm traveling overseas and I reserved my hotel using this credit card but they place a hold of one week. I called to have them release my credit. They said they can’t. I have to confirm that they received the funds. So they asked me to send them my bank statement to show that the money was debited from my account which I did send it to them. And they saw it. They never took the hold from the account.


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I have been a customer of Merrick Bank for almost 2 years. I have been given 2 credit line increases based on my on-time payment history. They have great customer service and very fair on the way they calculate the monthly interest timeline.


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This card was offered to help me rebuild my credit. I have not had any issues. I continue to pay my bill on time. The only thing negative is the interest rate. I think it's great! When I call they answer all of my questions. I'm so glad I chose them.


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By no means is it a bad card or top tier card. If you someone like me who had Bank of America cripple them. These guys open a decent credit limit card sure fees are dumb but thinking again we use out card and pay random fees all the time. Card doesn't allow requested limit upgrades but they do check and annual. But they been with me for 5 plus years without hidden fee.


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I have always been happy with Merrick Credit Cards. Also, consistent Credit line increases are nice. My only wish is they would have a cash rewards card. This is one of the single Cards I have that does not give me rewards. So I must say more often I will reach for any of my reward cards to pay. However, it is still a great card to have in your wallet.


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If you want a card that has great or even decent customer service, this is not the company!!!! Each time I had to call customer service, I was phone passed being told I needed to be switched to another department where I was hung up on. I called back, same thing, then I asked for a call back number before being switched again. They gave me one, that when I was hung up on again, I called and was hung up on. I also had 2 disputes. One was successful after several months of back and forth phone and mailing detailed information. Only to have several phone calls about the detailed information I sent and they didn't read. Failed second dispute after same runaround for months. The business was closed and they kept wanting me to contact the closed business. Even after I sent reviews showing when and why the business closed. I would not recommend Merrick!!!!


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This is a card for people that don't have a choice due to bad credit. I may have even started out having to put a deposit down to rebuild. The customer service is terrible and the website looks like it is held together by band aids. People who get this credit card don't have a choice. Unfortunately, even though I have rebuilt my credit and have a couple good cards (Citi, AAdvantage and Discover), I can't close this account and still have to pay $6/month fee just because I need the history on my credit report and to show the account as open still.


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Merrick deals with people that have credit issues. I got a card after a BK and didn’t spend anything on it except for 1 month (2 months ago). Paid $100 on the $250 balance. Tried the online APP--could not figure it out. Owed them $150 and never heard from them again - except offers for new credit cards. Today I got notice that I was reported to the bureau for a 30 day. I obviously called them - apparently they don’t do email, phone calls, texts, or app notifications- only snail mail that they sent out over a month ago to let me know that I owe them my balance plus $100 for fees. No calls to let me know I owed them anything, what? Good thing for their model is to keep you a ** credit customer so they can keep you at 29.99 or whatever. This company is a POS vampire. Closed my account - paid the balance. Losers.


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I have been with the card company for over five years. I use it as a backup to my normal cards. I charge on it a few dollars every month to keep it live. I have never been late, but each time I use the account the purchase is called into question. I was at the store charging $12 and they denied as fraud. A few days later, after calling them, I tried again and they approved then turned off card for potential fraud. This month I was leaving the country and they had my account locked down, so I called my payment in, now they can't find it even though I have an approval number. I paid in full but I am done with this bank. They are the worse. I called in and all the Tatyana could say was they have no record.


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I had this credit card for two years. My credit is in good standing. I was employed for many years and for the past year I made every payment on time. I often paid more than the minimum and yet I never received a single increase offer. I then called the card and complained about never receiving an increase so I discussed closing the account. I was told that the yearly fees would be taken away if I closed the account. I made certain that this was correct and the customer service person was certain, so I closed the account. Today July 4 I was told that the first customer service person lied to me and that the yearly fees never go away until the balance is zero, I knew that I would not have closed the account. Be careful. Merrick Bank does not lie to you.


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Got a letter in the mail saying I was pre-approved. Nice offer; but when I applied I was declined. I have never missed a CC payment nor a car payment. Why send me the offer? To get my info?? Dont assume these people will treat you right... They won't.


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This credit card service really do put customer's help and assistance as product one. Even though most services are computerized the access is very easy and seem to be very accurate. Phone payments are promptly posted. I would recommend this company card to all of my friends and family. Thank You.


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I just want to take a few minutes to express my overall satisfaction regarding being a Merrick Credit Card holder. I needed to rebuild my credit and establish a positive payment history in order to buy a new home. Having this card has given me the ability to do just that. The interest rate is a little high but the trade off was getting a second chance which is what Merrick provided me with.


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Merrick Bank Visa is a typical Visa card. Nothing special about this card. No cash back bonuses and the interest rate is a typical high rate credit card. The card also charges an annual fee rather than being free.


