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I've enjoyed being a Merrick Bank customer until I paid the full balance off and took the card out of my wallet with the intentions of using it for gas or emergency purposes. Now, I get interest charges for $0.00 balances. I'm not happy with that at all. How can there be an interest charge for a balance of $0.00?! I may just cut up the card and close the account if I have to pay for just having an open account...


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By using the app to make online payments, I am able to avoid the unpleasant and unhelpful customer service reps. I have never had a good experience with Merrick Bank reps. Of the 3 credit cards I use, Merrick is by far the lowest credit limit, offers no rewards that I am aware of, and offers the lowest cash advance.


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Merrick has always treated me fair and with respect. Also they have helped me with my credit. Thank you for your service and time in regards to my account. I would highly recommend Merrick Bank to anyone who is looking to get ahead financially.


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I am thrilled with the Bank, the Credit Card and the service from the representative I spoke to in early May. I like the look of the credit card. I recommend the Bank to my friends. Keep up the good work.


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Of all the many credit card companies I have worked with over the years, Merrick Bank is definitely the best. They have been fair and accurate from the start in the presentation of their offerings. Their phone system is superb for those of us who still prefer this to online tracking. I give them an A+ in all their communications with customers. Thank you, Merrick Bank!!


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Bunch of PIMPS! Watch because they will not give you payment alerts. Had some info compromised, called to check. Payment 1 day late, 35$ and "WE CAN TAKE PAYMENT FOR 10 EXTRA DOLLARS." NEVER missed 1 payment. My fault, my responsibility. Just like getting this card paying off, cutting up.


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Application was easy. Received the card in a timely manner. Credit line doubled after 6 payments as advertised!! Received another CLI a few months after that. I love the card because of the higher limits! Website is easy to navigate. Payments always post on time.


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They have always been fair, friendly, professional and honest, I use my card often, pay my bill on time or mostly early and would recommend Merrick Bank to everyone needing a great credit building card.


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When I had fraud on my account (across all of my bank accounts from a case of identity theft), the account rep and security department all but point-blank accused me of lying and neglected to take my account seriously, causing a severe delay of rectifying my situation. Given this mistrust, I will be closing my account as soon as my card is paid off.


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Merrick Bank has been good so far! This is my first credit card, and the experience is going well. The app is really helpful for keeping track of everything and making payments. My only complaint is how long it takes to process everything, but I can't really fault the bank for me being impatient.


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I have been a good customer, and I never received my double my credit limit. I called to speak to a representative, and she said that there is nothing she could do about that. She never offered any solution.


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OMG. I keep a ZERO balance on this card. Decided to use it to purchase a plane ticket. Card was declined!! Went online and saw a past due payment of $4.00!!! WTH! Allen and they said "That's correct ". Asked why don't they take the annual fee out yearly. Response: "We can't do that". Once again. Wth!!!


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Bad Customer Service for RV Loan Department. I called Merrick Bank to let them know that I sent a check out for payment. The guy on the phone was rude and not very cooperative. I asked him to notate my account and told him how much I sent. He got mad that I sent total payment to the payment address and pretty much was a jerk about me sending it. I would not recommend this company. This was the only company that the dealership used in which I did not know who it was.


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I have had nothing but good experiences with Merrick Bank. They helped me re-establish my credit after a divorce. Their website is easy to use. The phone payment service is very up to date and convenient. I would recommend them to anyone.


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Absolutely, unequivocally the worst experience with any company I've ever had. I tried to make several payments over the course of a month and they continued to get declined which did not make sense to me as I knew the money was in my account. After several calls, they figured out and admitted that there was an error made by their app that made my bank account show as all zeros. Even after we found out what the issue was and that it was an error on there, they still refused to fix the negative reporting to my credit. On top of that, I spoke to 5 different people and finally someone told me that they would remove a late fee charge AND a NSF charge due to the error on the app. I told her I wanted to speak to someone about getting the negative reporting off my credit. To which she said "My shift is over and I can't wait for a supervisor so I'll transfer you to an answering service." (Now the THIRD time I had been transferred to management answering service).


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I was initially interested in the credit line doubling after 6 months... which did happen on time. After, they have treated me well with another incremental line bump (without asking) and no hassle payment system. The website has gotten MUCH better over time as well.


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I’ve been with Merrick Bank for over 15 years. They were one of the first credit cards that I qualified for after my bankruptcy with no annual fee. Their rate still remains one of the lowest that I have to this day.


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I registered for online banking so I can check on line my balance, my due date for payment, my available credit  etc.. so at first I was able to see my bank statement and was able to pay online without delay.. then all of a sudden I can’t access my account online no matter how I tried so it is difficult for me to pay or transfer money online.


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I was offered and accepted a Merrick Visa card. I used the card and ended up with a balance that I took time to pay off. After paying off the credit card I went to use it again a year and 5 days later. The card would not work, so I called customer service and got a call center. The call center employee told me that the bank cancelled the card due to the fact that I had not used it in a year. However their website says the account is open and I have an available credit limit. I asked to speak to someone at the bank and they told me that the bank does not talk to anyone and that I had to write them a letter. There was no warning that if I did not use the account within a 365 day period that it would be cancelled. This is something I have never heard of before. Couple that with the fact that you cannot speak to anyone that actually works at the bank and I would give them less than 1 star.


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I’ve been with them for almost a year now and I absolutely love them. I’ve had no issues whatsoever with this credit card company. I’m hoping to keep building a relationship with them and for my credit limit to continue going up. Everything from the startup to now was laid out plainly for me. I’m not understanding all the people saying they misread or misunderstood before they signed up. It’s kind of rude to leave a negative review because you read incorrectly. The app is great, payments are easy. They are very generous with their credit line and credit increases. Don’t see where you could go wrong unless you're not a responsible person.


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This bank was the only bank that would issue me a credit card after having bad credit a few years back. Things change in people's lives and since my bad credit I have done much better thanks to Merrick Bank. There are no fees which I love. Would like my APR reduced however I can't have everything.


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Merrick Bank has been wonderful! They are helpful in building/rebuilding credit and are fairly lenient. They reward good habits and don’t overly punish mistakes in the hopes that they won’t add more stress or debt to your life! I highly recommend!


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I am new to having a credit card I believe the Merrick app is easy to use. Everything is all there. You can use it to view statement and pay your bill. It’s nice to be able to monitor all your activities and when your bill is due all on the same app.


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My experience with Merrick has been excellent. I feel informed, and feel more " in charge" of our financial well- being. Merrick also gives us the most current information on our account 24 hours a day.


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I applied to them after they sent me a pre-approval letter to my previous address. I updated my address and submitted the application. I never heard back from them. I just called them today because my credit was hit from them but I never received a response. I talked to a very rude rep from the credit department named Julio who admitted that they sent a request for more information to the wrong address - neither the old one or the new one. He said the offer has expired. I told him I certainly would not want to have given my authorization to pull my credit for an offer they sent me and not even be considered because they sent a request for more information to the wrong address, so I'd like to provide the information.


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I have an account with Merrick. I am Very Very pleased with the use of this card and the online ability to view my account, make changes and make payments. I am also set up for account alerts, which gives me peace of mind.


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I have been trying to reach a rep at Merrick Bank via phone for several days now and cannot get through. I am on hold for an extremely, exaggerated period of time. I’m on hold for 3 hours and then this company disconnects the calls. This is very unprofessional. I have to call back, and then again on hold for another 3 hours, then the call is disconnected. It doesn’t matter what time of the day, early morning or late morning, this happens every time. It is a waste of time and the whole day is wasted. This issue should be fixed. This issue has been going on for several years with no resolution. This is preventing our clients’ accounts in receiving resolution. So after trying to reach them for several days, they finally picked up. I called Merrick bank at 9:02 am and someone finally picked up at 11:50 am (that is ridiculous). In the middle of discussing the account, they disconnected the call at 11:59 pm. REALLY! This company is the worst.


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Merrick Bank issued me a credit card with a $2000 credit line, no other banking coops would extend me a credit line of $500, very grateful. I believe Merrick uses their own judgement on credit issue not third parties info. Thanks.


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I got a credit card with Merrick Bank to help improve my credit rating. They started me at a low credit limit and as they seen I was on time they increased the limit. This has helped me increase my credit score. For any one truly needed to start over and pay on time this is the bank. Merrick Bank credit card has changed my life and giving me a second chance... because in life we all need it. Thank you Merrick Bank.


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I froze my account since January 2019. It’s on automatic payment but unfortunately their apps was not reliable and can not be trusted. Since then I received notice that I was not able to pay on due date so I have to call, and arrange for automatic payment so I will be worry free,, they sound nice but can not be trusted 'cause I have to call every month and paid interest 'cause my automatic is not “on” as they said. It was awful and frustrating! So I don't recommend this company even they give a big line of credit.


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APR% is a little on the high side. Would like it to be lower. No rewards with card like points for spending. Such as airfare, restaurants, or hotels. Customer service is helpful due to slow snail mail.


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I have been a member and card holder for more than 2 years now. Merrick has always been fair with my account, and has given me annual credit increases even without me inquiring about them. Thank you Merrick Bank.


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I don't have any problem with the bank service. Rates and fees are too high. Would really like a break on those two issues. The annual fee is outrageous. Combine that with the interest rate they're just a shade off of loan-sharking.


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I have been totally satisfied with the online service that I have received since becoming a customer. The monthly account layout and spending breakdown are made so simplified that a baby could understand!


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I have been a customer for quite sometime. I've always been a good customer as far as following the rules. They never send out credit card offers for my husband David ** whose score is very high. And they never offer me a lower apr card!


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I don't contact the bank that often, but anytime that I have they have been very courteous and professional. I lost my wallet a few months ago and they blocked my account before I realized that my wallet was missing.


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Merrick bank has always been very professional and personable with me. They were willing to work with me to keep my account open during a difficult time, and also willing to reward me for fiscal responsibility. I’ve been happy so far!


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I've never had an issue with Merrick Bank. I've had their credit card for 2 yes now started with a 700.00 line and increased 6 months later to 1500.00. recently up to 1900.00 line! I do not have the greatest credit history but I make all my payments on time!.


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I haven’t ordered anything, but I do use the bank's credit card, I have had no problems so far. The interest rate is fair, and I am constantly informed if there are any changes to my card or the bank. I am very satisfied with Merrick Bank. I would recommend this bank to anyone...


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I am very displeased with Merrick Bank. I am currently in the middle of closing on a house. I receive the email from my credit report stating that one of my credit cards was decreased and limits. I checked it out and saw it was in Merrick bank. I called and the representative did not know what she was talking about told me that they do not send out any Paperwork regarding my account being decreased or closed I explained to her very politely that I work for a financial institution and anytime that we make a change to someone’s account. We always send out written disclosures to them. She got off the phone put me on hold to talk to her supervisor came back stated that she stands corrected and yes they did send me out correspondence regarding this account at that moment I was displeased and wanted to speak to a supervisor. 


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I've had them for 3 years, a perfect paying customer. I went 1 day late. My BillPay sends a check. It came 1 day late. They don't go by the postmark, they charge you 39.00 if you late regardless when you sent it. They go up with the interest rate. And if you dispute an item it takes 3 months to get resolved, unlike other banks that get it done right away. Be careful with them. Would not recommend!!!


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I'd never heard of Merrick Bank before I received a pre-approval offer in the mail. The promotional offer was too good to pass up, so I applied. I could not be more pleased with this card. Started out as a reasonable and generous credit limit and have been given several increases automatically with no hit to my hard inquiries. Has served to increase my credit score. Monthly FICO scores are ACTUAL FICO scores and not just bureau scores. It took me a little while to adjust to the new website design, but it is straightforward and tells you EXACTLY how much interest will be charged and how long it will take to pay off your balance if you make only the minimum payments. The minimum payment amounts are manageable if you need to use your card for emergencies. 


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Merrick Bank gave us a chance to get our credit back in order after having some problems with our finances. We appreciate that they were willing to take that chance on us and it provided exactly what we needed to get our credit scores back up and rebuild our credit. The statements, payments, etc. are always easy to read and use and I especially like the GoScore aspect. I check it regularly. Thanks!


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First of all, it’s a nice card to have. I really like the pay by phone feature. Merrick has all the information and a few buttons and what feels like seconds later, you're done. Merrick Bank credits cards are the best!!


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Have used a Merrick Bank card for a few years now with never a bad experience and frequent credit increases. This card compares to my Capital One card. I tell all my friends this is the one to apply for, when they ask about credit cards.


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I've had a CC account with Merrick Bank for around 8 years. I had a lower credit score when it was opened. I've been satisfied with the service but now that my credit is a lot better they dont offer lower rates, nor a way to request a credit increase. I didnt close the account but dont use it anymore, too high APR and limit is too low.


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I canceled my credit card. I thought that I read the small print when I applied for the credit card that they were going to charge me $125 right off the bat to have their credit card. Unfortunately I did not see that and when I receive the card I called to activate it and it said that I had a balance so I canceled the card. Why would I pay for stuff when I’ve never even use the card. Way too many fees.


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I've been with Merrick for I think a little under a year and I love them. The app is very easy to use my payments go through no problem. My family members also have Merrick credit and they love them as well. Great experience overall!


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I have been with Merrick since 2015. Never missed a payment etc. Recently I mistakenly took advantage of a free trial offer. The offer never said anything, anywhere about auto billing or subscribing. I paid a 9.95 shipping for the free 30 day trial. Less than 2 weeks after having received the free 30 day trial, the company charged my account 150.00. I noticed this when I went online to pay my Merrick bill. I immediately called Merrick and explained. They made me call to cancel the subscription I never knew I had! I continuously kept being dragged through the mud by Merrick, had to send in E-mail correspondence from the Company etc. None of the correspondence showed anything about a subscription, EVER! I never received or was mailed the Product I was charged the $150.00 for!


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Merrick Bank was a good credit card for me over the years...how WRONG I was! In October I decided to close my account because of the my monthly budget. I am on permanent disability and have to be careful because I don't have a lot coming in. I closed it on October 21st, 2018 and tried to set up a monthly payment of $60 a month which is all that I can afford. The lowest that they would offer me was $88 a month. I clearly stated to them that I can't afford it. I do not own a home, my car is a 2006 with high mileage (almost paid off) and the only thing I own besides my personal possessions are two places at the local cemetery.


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For 6 days I have tried to log on to the site. I have a payment due soon and am concerned reading other bad reviews of this card. Up to this point I have been satisfied with the card and now am suspect. I imagine that there will be repercussions if I have a late payment at their fault. Perhaps the narcissistic streak runs deep in this company with them claiming no fault and blaming the customers. I will be paying the balance and closing the card after balance is paid. Yuck, I hate fraudsters! Also, contacting the company is difficult. No e-mail contact, no chat. Very unsatisfied with the lack of communication.


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Merrick Bank purposely deceived that I was in good hands about a transaction to allow the date to pass. Then promise me corporate would call me and never happens. Then turn from victim to villain when they worked hand and foot with the merchant to steal from me because I would have went to the reservation if I was not assured that I was safe. Plus John at disputes told me that a recording I got was worthless of me being promised a refund. That sounds like two thieves working together to steal. In fact 230pm 3-11-19 Woodbury New York fire him and gimme my money. Also I keep getting promised calls from corporate that they refuse to give me.


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The day I activated the card I kept getting denied purchases. Frustrated, I called customer service to find out $130 in charges had already been applied before the card was even activated by me. I thought my information was stolen! Come to find it was a "set up fee" and an "annual fee" charged literally before I even received the card. SCAM ARTISTS!


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I enrolled into their DEBT MANAGEMENT PROGRAM upon being laid off along with other companies I have credit cards with. I merely called with a simple request to CHANGE due date. I first got a rep named HILTON and he IMMEDIATELY insisted I should be speaking with Debt Management Dept and BLIND TRANSFERRED the call. After being on hold for 10 mins, a female answered but never identified herself. When asked, she gave the name Gina. I had to submit all my info again, card #, etc. 


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Last year, in 2018, I received an e-mail notification and a telephone call from the fraud department at Merrick Bank. There were three unauthorized credit card purchases made to my credit card account. The fraud department immediately shut down my account to prevent additional damage. I was fully protected from any liability and my account was fully restored within a short period. Thank you Merrick Bank.


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This company will not lower your interest rate, even after a year of on time payments. I have been charged nine dollars a month for having the card. I pay a little over my monthly payment of forty-eight dollars and the balance is still the same. I got the card to build credit. This is the worse card/company to ever deal with. I beg everyone to stay away from this company, or you will be trapped. Fyi, I have never been late with a payment, nor have I missed a payment.


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Highly recommend this credit card for someone who is starting to build credit or trying to repair a bad situation. I’ve never had any issues, unlike other cards out there (credit one I’m looking at you). They are good about increasing your credit automatically for consist on time payments. And I know having a Merrick account helped me get 2 other cards later one. There are no rewards and the annual fee sucks, but so did my credit so it’s worth it in the long run. They do free FICO score check, online/app friendly, and have great customer service reps if you ever have to give them a buzz. Overall, I’m very happy with Merrick Bank and I look forward to being a happy customer for many years.


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Credit card customer with Merrick for a few years now. Everything with company has been great! -Just wish they didn't charge annual fees (paid monthly) and high rates. Especially when the Fed charges them under .05-2%!


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Merrick Bank gave me a legitimate credit card when I was rebuilding my credit and as I proved myself and increased my credit score they increased my credit limit on a regular basis. Their app made tracking my account and making payments easy. Now I qualify for top tier CC's!


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I would recommend the periodic credit line increases to be more like my other credit cards accounts in good standing and payment history should be considered for 1,000 increases to build a stronger portfolio.


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I have not had any really bad experiences with Merrick Bank. They have been good & unlike some others when they see that you do pay your bills they raise your limit. I was very happy to see that! I have not had to contact them for any reason so am not sure how the customer service department is.


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To the glory of God in my Lord and SAVIOUR CHRIST Jesus Merrick Bank has been truly a Godsend. It is all around a game changer for anyone who is committed to rebuilding their credit. God bless in Jesus glorious and wonderful name. Amen.


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I would definitely recommend Merrick Bank for anyone wanting to rebuild or start building credit. I’ve have had them for over a year, and very happy all the way around with them. I use the app and online and never had any problems. The few times I have called is because I forgot my password and had to change it. The call was answered ASAP and any of the customer service I ever got ahold of was pleasant and knew their job.


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I have had no problems with Merrick since opening a credit account with them. Customer Service very polite and helpful. I got my card because my parents have had a card with them for years and have been happy with their service.


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I think Merrick Bank is a great company in which to do business with. My husband and I both have accounts with their credit cards, and are very pleased with their service. I would certainly recommend anyone wanting to get a credit card to give them a try first before other places. We are very pleased with their service!!


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I am happy to be a Merrick Bank customer and have been for over a year. When I was in college I had more than one credit card and didn't use them wisely. Now in my 30s I wanted to start rebuilding my credit. Merrick Bank constantly reviews my account, and has increased my credit limit on multiple occasions. This means that a card that started out as a small builder card is now a card I could use in nearly any emergency and know that I'm covered! It's amazing to have a company willing to build on the customer/bank relationship in such a way! Customer service is also generally polite and incredibly helpful. I would recommend Merrick Bank to anyone.


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I was at first skeptical about joining Merrick Bank because of the reviews, but I went for it and I love this card. So far, it’s been great and it does what it says, brings up my credit score. I would recommend this card to anyone.


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I enjoy using my card, but get tired of paying the 3.00 fee per month when I don't have a balance. Have even considered closing my account because of this. Too many good cards out there to put up with this fee.


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It started out ok. Had no issues for a while. Then one day, I booked a reservation for a hotel with their card on my cell phone. Then there were three fraudulent charges made for $1100. I disputed them. Within 2 weeks, after investigating, they ruled in my favor. The money was credited back to my account. About two months later, they took back their clearance, and charged me the $1100. When I called, they said the other party challenged, and Merrick Bank sided with them. Their reason was, it wasn't fraud since the perpetrator had my address. Of course the perpetrator would have my address along with my credit card number. I disclosed it when I made the reservation, since it was my billing address. 


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Bad enough getting charged an annual service fee BUT these guys charge you a single payment for the first year. BUT after that they charge you $4.00 monthly. No option to pay the whole year in advance... just plain irritating getting a bill for $4.00 every month. They won't take an advance payment either. If you try to pay the whole year in advance they will send the balance back to you after 90 days and start billing you again. And the obvious... if you were ever late on that $ 4.00 payment... BAM goes on your credit. BIG COMPANY DUMB COMPUTER NONSENSE. FIND A BETTER BANK AND CARD.


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I applied for this card and received an approval status and was asked to send my deposit. I sent it and called to verify if they received. The lady in customer service stated, "You will receive a letter." 1st off if you say approved that mean approved. Why would you ask for a deposit and I’m not approved. Then it’s taking 21 days for me to get my money back but took you 5 seconds to snatch it out my account. Furthermore this is a secured card which I’m using my own money so why would I be denied. I do not recommend this card at all. It’s false advertisement.


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I was over the limit this month by 18.00. What did these scumbags do?? Reported me to the credit bureaus. No call, email or letter. Absolutely disgusting. Closing card soon. This is beyond unethical!!


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There was a block put on my card due to potential fraudulent charges. I needed to use my card and when I called in to address the issue I was put on hold for over an hour before I finally had to give up. I have a screenshot of the call to prove it. There is no doubt the lady on the other end of the phone did not want to help me, put me on hold and left me there.


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I have over 2500 available credit, but card was decline, I was connected to security department and person by name Carlos, was very rude and because probably he don't like my accent he just give me runaround and hung up on me. I think you shouldn't keep people like this working with the customers. My card is block. You losing money, and this to the longtime loyal customer. Most likely I will never use this card again.


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Customer service dept is great as is the credit card in general, never have a problem with these people. The couple times I had to call customer service, they were super friendly and helpful. Didn't charge me anything to replace my cards when I broke them. And when I was off work and missed a payment they didn't call my phone excessively like the others. Thank you Merrick for taking care of your customers!


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I tell everyone Merrick is great of all the credit cards. I always will stay with Merrick credit card as soon as I am praying to pay off my other credit cards and then am closing them sticking with only my Merrick credit card. Thank You.


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Call center employee MOSES solicited family member SS number. Was told to call back with number. Subsequent Call center contacts refuse to explain the request. Account closed immediately at my request. I wonder what they do with all those Social Security numbers.


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I needed to change my payment date on this closed account. I have paid faithfully for over 3 years. The customer service person said they would not do this and that I would be charged a late fee even though the account is closed. They will not cut you any slack even for a couple of days.


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I have had a Merrick CREDIT CARD account for nearly 18 months. I have found using it as well as making online payments at the web site, reconciling the account, etc., to be a seamless process. I am thankful that Merrick has periodically increased my credit line as I demonstrate responsibility.


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This company, though the rates are high, has always treated me respect. They've monitored my credit at no additional cost, increased by credit limits periodically, and provide awesome customer service when there are fraudulent transactions. I have no complaints. Couldn't give 5 stars because of the high interest rate and annual fee.


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I would gladly recommend Merrick Bank. I have never had any issue's using my card both domestically and internationally. Customer service is Friendly and helpful. They give periodic credit line increases (wish you could request) however they do offer them frequently. They offered me credit when I was rebuilding my score and helped me towards achieving the credit score I have today. The credit lines they offer are decent to start. Having a account with Merrick Bank get's you access to your fico score monthly and as I stated friendly customer service. I am happy I accepted the invitation to apply and have not one negative thing to say towards Merrick Bank. If you are looking for a credit card either secured or unsecured I recommend Merrick bank. I've been a happy customer for several years.


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I called about the possibility of lowering my interest rate several months ago and the female I spoke with was so cold and uncaring. I understand that it’s policy not to lower interest rates but the information could of been delivered with much more compassion.


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I enjoy my Merrick Bank card. The website is easy to use and I feel very safe. I am rewarded for making my payments on time and kept informed of any changes. I would recommend Merrick Bank to anyone interested in a credit card.


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I was not so pleased when I received a statement for $135 for “account set up” and an annual fee and a extra card for my wife. I feel as though that information should be written in bold print for new customers to see. I feel what they did was sneaky and not customer friendly. Not very please with this.


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I have been a member of Merrick Bank for over a year. I started out with a low account balance and within 6 months My account was increased to a larger balance. I always pay my bill on time and is in good standing with my account. I have nothing bad to say about Merrick Bank. I would easily recommend this Bank to a friend.


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I like Merrick Bank - the only thing I'm not happy with is the $5.00 they charge me monthly as an "Annual Fee". That means even with a zero balance I will always have a monthly payment to them. Not happy with that.


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I had a Merrick Bank card a few years ago. They raised my Credit limit & all was fine until there were some charges that were not mine & when I disputed them they wouldn't remove them. Long story short I stopped paying. It got so bad. Last year I got a letter from a collections company that offered a settlement for a much lesser amount. I paid it & received a letter from an attorney stating the account was 'paid in full.' That was last April. Today I got a 1099-C from Merrick Bank for the amount of $1423.00 charge off! I assume they are sending this for me to file on my 2018 taxes as income. This said 'charge off' but my paid off letter from an attorney said 'paid in full' even though it was a lesser amount. It was a 'settlement'. I am perplexed & rather upset. Calling the attorney tomorrow. Just thought this information might be helpful for other consumers who have been burnt by Merrick Bank.


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DO NOT open an account with Merrick Bank. I was in collections and had payment arrangements set up with TRUE ACCORD (creditor) to pay off my balance. They deducted one payment and set up the next two to be automatically deducted from my checking account. Now I have a second creditor calling me (CARSON SMITHFIELD LLC) stating that my account is now with them and I owe the ORIGINAL BALANCE (my payment to TRUE ACCORD was not deducted from the amount).


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My wife and myself are frequent users of numerous credit cards. We pay all of them via Bank of America Billpayer program. All of the card companies receive and process our payments THE SAME DAY. Your bank is the only one that receives the payment, then waits several days to post it to our account. This results in late charges which are not legitimate and unscrupulous. Why can't your bank post the payment the same day it is received? This is a major problem. And it prevents us from utilizing Merrick Bank services on a greater scale. If you could properly handle payments, we could use your credit lines more often, expand our credit limits, and be a more profitable customer. What do you say?


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I was fortunate enough to pay this card balance to $0 in January 2018. I have always heard that you should keep your cards open even if the balance is $0. My son has had personal problems and has lost his financial aid at college. I intentionally didn't use this card so that I could help him get back in school. With no notice, Merrick closed my account WITH NO NOTICE OR WARNING. 


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What stand out about my experience with Merrick Bank is that recently your online webpage changed and I had a hard time adjusting to it. Also, the balance of my credit card account is not current. I never know what the actual balance is.


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Tried to fill out a secured application online for both myself and SO. Mine failed and I got a thing on their web page that said APPLICATION ERROR that said DO IT AGAIN, so I did and it was rejected-though I did get an email that said they would ignore my attempt?!?! Did the one for the SO and Got the APPLICATION ERROR DO IT AGAIN on their site for his (this time using a different browser) and by that point knew NOT to do it again. I PRAY this doesn't hurt our credit scores, will be calling them tomorrow (it's Sunday eve) but I am UPSET. You put in all that sensitive info, and take a knock on your credit to get hit with THIS? Not a good start. Oh and as of this moment, I have 4 different Ph numbers for them. 800 429 2322, 800 429 5094, 800 660 8953, 855 962 3066. This is just getting scary creepy! Not very professional.


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Merrick Bank makes it easy to check balances and their mobile app is the best for making payments, have nothing but pleasant experience with this company. The option of credit line increases every six months is really appreciated. Rather you accept the increase or not it a nice option to have.


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I have had Merrick Bank for 2 years. I always paid on time. I sometimes paid my balance off. They gave me a small credit increase. I feel that was a slap in the face. I feel I should have gotten at least 1,000 increase. Dissatisfied Customer.


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I would most definitely recommend Merrick Bank credit card. This credit card company gives people a chance to not only have a credit card with a decent amount to start off with but if your payment is on time. You have a good chance of getting raise in your credit limit. If it had 6 stars, I would. Thanks. Satisfied customer.


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Overall the experience is alright, the new updates have made the bank more easy to use. However I don't like the practice of having to wait an entire week after payment has left my bank account for the available credit to be applied to my account for use. The payment system is still very dinosaur compared to Capital One that allows debit card payments that charge instantly and fully process within 2 days. This is the biggest reason why in the future Merrick will be paid off and left in the shoe box. It just takes too much time and hassle to try to pay you guys, as money does not just sit in my account for days on end.


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I like that they gave me a chance with their credit card as I was trying to rebuild my credit. I have had increases in spending and have never missed a payment in three years. The downside is that even though I feel that I have somewhat gained trustworthiness that they will not lower my apr which is quite high.


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Merrick bank offers an excellent way to take an active part in improving your credit scores. Their terms are fair and they are not one of these promo acct. rip-offs that are set up to fail. Merrick Bank really has individuals in mind and work hard to help their customers become better prepared to meet today's obligations.


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I have been with Merrick bank a little while now. They actually have a real person that is available to talk to if you feel the need when you call for anything. Sure it's nice to have automated system but it's better they have people available to assist. Also never had an issue with use of card or any other issue. I like it here and will be here for a while.


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I opened an account with this bank. I had the account for about three months. I would send my payment in at least 1 week prior to the due date. Each month they tried to charge me late fees saying that my payments were late. When I asked them what the postage date stamp said they told me they don't keep that. I closed my account.


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My experience with Merrick Bank has been a blessing. It's given me a chance to uphold/reestablish my credit status at the same time and to prove that l can pay my bill on time every time, and with a increase off and on.


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I have never had an a bad experience within Merrick. Never. As a matter of fact every time they see me hitting my limit they have always been kind enough to raise it. Thank you very much Merrick, I don’t think we have ever been late with a payment. Love them.


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There were unauthorized charges on my account last spring. The incident was reported to the fraud department and requested that authorized user be removed just in case there was a compromise. Charges still went thru after I changed passwords and cancelled card. Merrick held me responsible for some of the charges after proving it was fraud. Very disappointed and will pay off balance and not use the card.


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Never had a problem with Merrick Bank. In fact of all the credit cards I have I would rate Merrick bank as the best. The Merrick bank app is very easy to use for scheduling payments and has useful features such as due date reminders and high balance notifications. For anyone looking to rebuild or establish credit I strongly recommend Merrick Bank.


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Made my first payment and upon making the payment was told funds would be available the next business day. Funds processed through my bank and cleared on Monday the 17th. Decided to use this card to go on vacation and it declined on my first attempt to buy gas on Saturday the 22nd around noon. I called customer service and asked what was going on and he said he would ask his supervisor but would not let me speak to the supervisor about the issue and that I needed to call back in 2 hours. 


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Updated on 01/16/2019: I closed the credit card account with a 0 balance. On 1/16/2019 there was a 20.00 balance because of a "returned check". There should not have been activity. Complaint has been filed with the Better Business Bureau. This is the second occurrence of this issue.


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I have had a Visa credit card with Merrick Bank for several years. I would use it occasionally as a backup. I always paid on time and never had a problem until now. I went to their website online and found that my account had been closed. I called to ask why and was told it was because of no activity in 6 months and it could not be reversed. I am very unhappy about this because they never notified me of what they did. I'm glad I wasn't depending on this card. I will not do business with Merrick Bank again.


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I called them to see about waiving the $4 a month annual fee and that I wasn't interest in paying them to use their card. They told me that there wasn't anything they could do. They are liars because every other card company can do something about except them. It was easy for them to lose my business over $4 a month, they didn't care. I would not get this care. Find someone else like Capital One or something.


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I got a pre-approval today. Applied, got denied. Seems ridiculous I am pre-approved to just get denied. This is the 2nd time in two months they sent me a pre-approval. My credit hasn't changed for them to deny me. They need to stop sending me these stupid pre-approvals. All other cards I have gotten pre-approvals for have accepted and sent me cards, but this one is a joke!


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Merrick Bank loves to send pre-approved credit card applications, then reject the applicant. Merrick Bank needs to get itself together. This bank is one of the worst in the USA for many reasons because it DOES NOT care about the consumer.


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I just received in today's mail an offer for a "doubling of a limit" if I paid my account on time. It was an offer based on a pre-screen. I have had a wonderful experience with Capital One so I thought I would expand my options and apply for an additional card. I read many of the one-star ratings in addition to the 5-star ratings. I reviewed the company's website and bank ratings and determined that I should apply. Well, you guessed it. An immediate decline. I will get the information as to why in the mail next week. The pre-screen seems like a sham. So, beware.


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Thought I was good using this bank to help build up my credit. Well, found I was dead wrong!! I used my available credit. I mean most of it. Like a responsible person was never late. Yes, I spent too much. Thinking it was a good thing. I paid it off. Stuck the card in a drawer so I wouldn't be tempted to go crazy again. Because I knew I had paid it off even left an average on the account. I hadn't checked on it. Well in the months I hadn't used it apparently I was incurring fees. Not a lot. Just $4 a month. As I said never late. Paid off. Didn't know there were still fees. Well now 90 days in Seriously Delinquent hits my credit report. I'm at a loss. I've been on top of my bills, most are paid off, not sure where this is coming from. Pull my report. Sure enough it's Merrick. They reported it seriously delinquent for $23, not only that they closed the account. 


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My experience with Merrick has been, unequivocally, outstanding in every regard. They are generous with clients who have, in their own words, maintained their account in an excellent manner! I appreciate their candor and the manner in which they treat their clients.


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No complaints. My experience with Merrick has been positive. I make payments by due date, usually more than minimum and have been rewarded with 2 increases in credit line. Merrick has been a good vehicle for repairing my damaged credit. I will continue to use their card.


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I responded to their mailer, and found that there was no annual fee, and they would reward my on time payments with a credit increase. Yes, the interest rate is higher than most, but at a time when I needed to start rebuilding my credit, they sent me a card.


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High interest rate rip off. Merrick doesn't look at timely payments for an interest reduction. Pretty sad since some people only have to choose a high int card as a temporary means because of fraud that turned into bankruptcy.


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I really enjoy the new look of Merrick Bank online. It’s easy to use and shows all of my relevant information upfront. The payments are quick and easy to make as well. Overall, a great card and a great user experience.


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Having the Merrick card has been excellent for us. As promised after 7 months they doubled our credit line. Since then in a total of 14 months we have had 2 more credit line increases, almost tripling our original credit line. Payments are posted same day as long as the payment is made before the close of business. Our statements are available online within a day or 2 of the close of month. The app is very easy to maneuver through.


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After 5 years of being an EXCELLENT CUSTOMER, NEVER a late fee, usually paid entire monthly balance and bringing my FICO from 500 to 707, Merrick Bank will NOT are negotiate the TERMS. I called today, 11/26/18, to ask to remove the monthly $4 fee and was told “NO, we NEVER are negotiate our terms”. So basically Merrick Bank has ZERO appreciation for GREAT CUSTOMERS! Don’t be sucked in by this bank. They’ll do NOTHING to help you once you’ve re-established your credit. Try something, ANYTHING else. An UnAppreciated LOYAL Merrick Customer.


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I received a pre approve letter in the mail. Thought about it for a while, did some research. Since I had just purchased a car, I figured I could use another line of credit to try and boost my credit score. Applied and was decline. Question: Why send a preapproved letter and then declined it? SMDH!!!


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I was sent a piece of mail saying I could rebuild my credit with their credit card and was pre-approved. I went online and filled out their application with the approval number and was then denied. Don't send me mail stating one thing for people trying to rebuild credit to just ding their credit and deny them. I feel the mail they send out is simply a scam. I mean why else would someone agree to their extremely high rates other than to rebuild credit. I will be letting everyone know about their shenanigans before applying.


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I contacted Customer Service to tell them the webpage is not working, neither in Internet Explorer nor in Google Chrome Explorer. I contacted them 3 weeks ago with no results. The error I get is: A communication error occurred: "". The Web Server may be down, too busy, or experiencing other problems preventing it from responding to requests. You may wish to try again at a later time. Tech support information: tcp_error more. For assistance, contact your network support team." Until today November the 15th, 2018 no response has or solution has been given.


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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.


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These idiots don’t 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.


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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’t outsource their care.


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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.


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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’ve qualified to buy a house, and continued to use my card wisely. 


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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. 


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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.


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What I like about this company was the representative that answered the call. Very polite and helpful. I don’t wait for long to get someone to talk to me. Few questions from the computer and I am talking to real person. We don’t have Merrick Bank in my area. I wish we do.


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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’ve received multiple credit line increases and am notified by a simple email and have electronic bills. Perfect card for beginners, too.


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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.


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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.


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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.


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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.


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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!


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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...


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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.


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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. 


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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.


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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!


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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.


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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.


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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.


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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.


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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!


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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!!!


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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.


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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.


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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.


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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!


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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.


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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!


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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’t lying. Not only did my line increase but it doubled at the 6 month mark exactly! Thanks merrick!!!


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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.


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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.


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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.


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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.


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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.


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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.


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I really find the app useful and helpful. It’s 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.


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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???


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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.


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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!!!


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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!


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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’s certainly not over.


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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 “zero” balance and also thinking I’m being responsible for not using it for every little thing and I get the letter today. It’s 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’s invitations haven’t been sent out yet. He verified my address etc... not a happy camper! No warning! Nothing and it will impact my credit score!


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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.


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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. 


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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.


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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.


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I’ve 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’s terrible.


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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’t 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’t 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.


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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.


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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.


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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.


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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.


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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.


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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!


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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’t 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’m very disappointed.


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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.


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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.


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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.


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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.


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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.


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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!!


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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.


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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.


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I’m trying to build my credit. I’m happy I’m 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”. 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. 


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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?


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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. 


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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.


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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!


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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.


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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.


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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.


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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’s my fault by not complying with your particular policy. Also, my choice to no longer engage my finances with your absurd policies though.


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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.


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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.


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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.


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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!


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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!


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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.


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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!


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.) 


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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!!!


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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!!!


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Got a letter in the mail, "Please apply. We will help fix your credit" which really isn’t 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’t help people. It will take me months to fix the damage done to my credit score by trusting your false advertising.


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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).


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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’t 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’t stand. They wait until last day of statement to charge it. Never shows up as charge to pay off. 


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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.


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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!!!


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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.


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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.


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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.


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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.


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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.


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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.


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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!!!


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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.


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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.


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I’ve 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.


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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.


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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.


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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.


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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.


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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.


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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!!


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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.


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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.


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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.


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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.


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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.


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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. 


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I’ve used Merrick for a long time. Got a letter saying, “You haven’t used your account in a year. This account is closed and will not be reopened.” 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!!!


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With my low FICO score I’ve 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.


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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.


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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.


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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. 


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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.


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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.


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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.


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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’m 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.


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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.


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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!


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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.


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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.


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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!


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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.


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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.


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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.


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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.


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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.


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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!


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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.


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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.


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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.  


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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!


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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.


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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.


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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.


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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.


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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!!!


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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.


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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.


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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.


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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.


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I’ve had my account for about 8 months. I have no complaints!! Merrick said, "Pay on time, establish a reliable, consistent payment record, and we’ll reward you." I did, and they did. Be an adult, be responsible, and you’ll be treated accordingly. I have no problems with how Merrick has dealt with me, and you shouldn’t either.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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. 


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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!!!


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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?


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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.


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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.


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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.


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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!


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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!!!!


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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!!!


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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.


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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.


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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.


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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.


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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.


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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’re doing this to so clean up your act.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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...


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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...


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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.


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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.


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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.


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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. 


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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 “In your contract it says we need 15 days or more to post your payment”, 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!


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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.


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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!!!


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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.


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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.


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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.


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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.


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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.


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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!!!


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I’ve 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’m on social security and I mail my bills out the same day every month. 


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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.


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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. 


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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! :)


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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.


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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.


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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. :)


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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.


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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!


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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.


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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.


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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.


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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.


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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!!!


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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.


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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!


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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.


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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!


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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.


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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!!!


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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.


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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.


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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!


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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.


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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.


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I received a pre-screen for a Merrick credit card and did quick online approval and was approved. I received card in the mail and NEVER used card, and was sent 1st bill for $155!! Annual fee and some other fee that was deducted from credit limit. It is as though you are paying for a credit card! I did not pay it and contacted them to cancel card and that I hadn't used it and didn't want it. They did… and reported to credit bureau! Now, I have negative mark on my credit for card I never used. I owe them for accepting (which I won't ever pay) on my credit! Be careful when accepting this high interest!


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This place is a scam. How you gonna charge 100 to activate but then tell me I need to pay 15 just to speak with a representative. Then said rep tells you that the only way to make a payment is through my direct routing like gym memberships because you know there is no way to cancel a direct draw, but wanna be like "it's the bank's policy not ours" right...


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Made bad decisions with my credit in the past and tried to rebuild with other companies. Merrick Bank accepted my application and has been great. Easy online payment arrangements. Would definitely recommend.


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I am a new participant with Merrick Bank and I have been very satisfied with their explanations of their programs and expectations. I look forward to a long and satisfactory future with this institution.


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I have had a credit card with Merrick Bank for many years. Every time I have had conversation with their customer service people, they have all been knowledgeable, helpful and extremely polite. Merrick Bank does account review on a regular basis, which is very nice as that means I don't have to call and ask. Overall a great company with whom I am very pleased. Thank you!


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I guess I must be stupid. Every time I go to pay online I must forget to submit and wind up with a late fee. I write the payment on the bill but it doesn't go through. I WAS VERY CAREFUL THIS LAST TIME AND GOT A CONFIRMATION #.


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I feel secure with this card. Fair and kept their promises of credit limit increases. Card always works. Easy access on phone. (I have not tried anything online.) I wish the interest rate was lower. That is the only factor that keeps me from recommending Merrick to friends.


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Merrick Bank is great. With the monthly reminders, it is easy to pay your bill online. They also offer paperless billing. They give me plenty of notice when my bill is due so I avoid any late fees. I haven't had any issues with my account or card. It's awesome.


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I've only been a customer of Merrick for about a year now but have nothing but positive dealings with them! They have kept me quite informed of my account and every transaction has been seamless. Their mobile app works well without a bunch of extra frills and is quite easy to use! Highly recommend this establishment!


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Merrick Bank has been simply a great relationship for me as a credit card holder rebuilding my credit. I initially heard about Merrick and just applied on their website with quick easy application. And a rapid response to extend the new Visa card. The credit limit is light, and increases are periodic with no requirements from me. G payment processes, great customer service.


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I've never had any issues with the card or the company. I called once and my questions were answered. I only have one minor issue that customers were able to change the pin for the card to something that they could remember, rather than the one that was assigned.


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I use it to rent a car to go visit my son in college. I love this card. I love when I get an increase it comes in right on time. This card is what I needed. A major credit card. Thank you so much for giving me this opportunity.


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Your service representatives are always friendly and treat me more like a friend than a customer. It's always a pleasure to talk to them. Thank you for making me feel like a valued customer instead of a number.


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I have been working on reestablishing my credit after years dealing with IRS tax liens and a derogatory credit history. I was offered a Merrick Visa credit card with a higher limit than what I have received from other credit card companies. Of course it has a high-interest rate but is comparable to others considering my existing credit score. I did some reviews online and chose to accept the credit card based on the fact that there were no annual fees, the higher credit limit offered and the opportunity to have my credit limit increased substantially in 6 months. I have not received my card yet but look forward to a positive experience and I will update my review as time passes.


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I have no complaints about Merrick Bank outside of their rates being a little too high for on time paying customers such as myself. It would be nice if they provided a rate decrease when they provide credit increases.


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Was a fair card company, if you pay your bill they will even give you promotions. Its a great card for someone rebuilding their credit. Paying over the phone was an easy process if you are like me and not a fan of paying bills online.


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I was provided with credit after unexpected circumstances caused my excellent credit to drop down to fair. I pay my bills on time and have worked in the same profession for 20 years. When unfortunate life experiences occur, they trusted me.


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Merrick Bank has been great, with all service and information. They have periodically increased my credit limit without me having to ask and have been most helpful in accurate charges and payments. Excellent customer service, answered any or all my questions without a long wait. I give Merrick bank an excellent rating and have recommended their services. Sincerely, Virginia ** an old lady you have helped.


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I have to say that my entire experience with Merrick Bank to date has been excellent. Website is easy to work with and understand. My few calls to customer service were a pleasure and my questions resolved quickly. Thank you.


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Thus far - close to a year - my relationship with Merrick Bank as a Credit Card Customer has been simple, straightforward, and helped me to continue to build my credit. My credit line doubled after so many monthly payments on time as promised - and the rare accounts I have had to interact with CS they have been polite and helpful.


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The problem for me in using the card I have is I do not have a means of being able to do online payments when purchases are made so I have held off using it. Do not have a userID or a Password setup online so that I can make payments once the card is used. No customer contact info or phone that I have seen up on the web page. Would indeed be of great help so I could use my credit card with your company.


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I paid my payment 2 days before it was due. Merrick did not process this until 3 days later. Then, they hit me with a late fee. The lady I called did not want to help at all and was rather rude to me. So, I called back and spoke with a Justin and he took care of all of it for me (which should have been done in the first place). I'm rather dissatisfied with Merrick Bank.


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I send my payments every two weeks to keep a zero or low balance. I use Bill Pay through my bank. It takes Merrick 5-7 business days to get and process my payment. I called and asked if they are set up electronically. The guy assured me yes. So I set up Bill pay on my other two bank accounts and same thing. I need my payments credited the next business day like my Capital One card. I have had the card for 3 months and closing it as their snail of a payment posting process is complete.


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I was fine with Merrick. I paid my card off every month. Then I was in an accident herniated disc x2 and dislocated shoulder and pivots out of the ball of my other shoulder. 8 broken ribs and two broken wrist. I entered a credit protection type of program. They told me they wouldn't charge interest, they always did. I told them I couldn't work. They have no real credit protection program like other cards do. I was told I had to make monthly payments and all I said was I could try but I don’t know if I can.


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Dispute process is impossible to win. I've been had by a scam and they got my money in the end. It took months for me to finally just give up and hand over about 5 hours of my work week. I miss Discover Card.


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I received a letter from Merrick Bank today where they had close credit card account because I hadn't used credit card. I called their customer service department and they place me on hold for long periods of time waiting for a Supervisor to answer the phone. I find it ridiculous that Merrick Bank wants to tell the customer when you should the credit card and if you do not they close the account. The customer service representative said that they do this all the time. They decide and they do this to many people all the time. Sound like this Bank will be out of service in no time due to the lack of professionalism.


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Merrick did what they said they would. After 6 consecutive payments they doubled my loc. Didn't have to ask for it they just did it. They are helping me rebuild my credit after hitting a rough patch for a while.


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I was pre-approved according to what I received in the mail. (I didn't wait weeks or months to respond to the "offer".) I double and triple checked the fine print. Go through the process to claim my card and was declined. So thanks for an additional hit to my credit score because of an inquiry. If you're going to approve someone then and only then should you send them a pre-approval. Otherwise, it should just be a "if you're interested in this card, please see apply to see if you qualify" like all the rest of them. It's a really crappy way to do business.


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I did receive my first increase as promised. I've had this card for 14 months and have not received another increase. I was told after the first increase I would receive another one 10 months later if I paid on time. I've never missed a payment, nor have I been late. 11 months later, still no increase. I called and inquired about it and the lady was rude! I've talked to them before and had no problem, but this lady was a peach!


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Out of all credit card companies I've dealt with, Merrick Bank by far has been the easiest to deal with. No hidden fees and I appreciate the credit score feature. Online system is great to use. Happy so far.


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I'm very satisfied with all the things that make Merrick my credit card of choice, such as no annual or hidden fees, a great way to rebuild my credit score and the issue free transactions. I recommend Merrick to all my friends and family! Thanks for the ease of navigating Merrick's website.


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I have been a customer of Merrick Bank. and I feel that it is my duty to pass on my experience with this bank. I am a senior citizen, living on a fixed income. Both my wife and I are retired. Because of birthdays, we do not receive our money until the third and fourth Wednesday of each month. When the account was set up they set the due date at the 20th of the month. Which always put us as late due to when our money comes in. So I called and asked for a change in the due date to the 4th of the month, so that we would be paying early, instead of late, depending on when our second check arrived. 


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Merrick Bank gave my roommate a line of credit under my name. I looked up my credit report and saw a maxed out Merrick Credit Card. I knew I never applied/nor did I have possession of this credit card. I called the company and gave my information in hopes to gain access to purchases on the account in order to find who opened account. They verified my info to the account, except the address and phone number was incorrect. I took a shot and gave my roommate's work address and cell phone and sure enough it was verified. I asked Merrick how this could happen? The agent explained to me that I was sent a pre-approval in the mail and my roommate must have filled it out and was approved. Here's the kicker, my roommate is a guy. I asked how they could miss the fact that a guy was applying under my information whom is a female. They explained they do not process applications over the phone... EVER. It's mail in only!!!! 


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I haven't had any terrible experience with Merrick Bank. They kept their promises and I am thankful for that. I just hope at some point they may offer cash back or a lower interest rate. I am considering dropping their card, keeping my Capital One rewards card. We'll see.


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Excellent services offered by Merrick Bank. Very easy to deal with. Any time that I spoke with anyone in customer service they were very professional and first class. They offer no fee foreign transactions which is great when traveling! Would recommend to my friends!


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I have been a customer with Merrick Bank for most a year and my experience has been a good one. If I could improve one thing it would be ease of use of their site and finding your debits and credits. The one time I needed customer service they were helpful and professional.


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Though my interest rate is high, I have no problems with my card. Their app is extremely user-friendly, I am rewarded for my loyalty with increased spending power, & their customer service team is polite & professional.


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The server's has truly been outstanding. Dealing with Merrick Bank has been the best experience of my life. The bank is always on time. Even though I speak to a machine when I call it's always productive. Thank you so much and I will recommend you to all my friends.


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I like that I am rewarded for paying on time by getting increase in my credit limit, but I don't like being charged a fee for you to raise my credit so you can make more monies on my using my new amount of credit. Just like another hidden fee.


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Pleased with the quick automated service, response time is good. Account info is easy to access. Have not experience any problems. Was not familiar with Merrick originally and I have recommended it to other associates and friends. Liked getting an increase in a short period of time without making a request.


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I'm quite happy with the relationship I have with Merrick Bank. The terms are reasonable enough, the payment is easy enough. They have increased my limit on occasion in keeping with needs. I'm sure they were instrumental in the rebuilding of my credit.


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I am very pleased with all aspects of Merrick Bank. The webpage is very easy to navigate. My account limit has been raised in a timely manner. My only suggestion would be to send some checks to transfer funds. Thank you for asking for my feedback.


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We have had this card now for a few years, it is a pleasure to business with Merrick. As we pay our bill on time we receive increases in our spending ability, which helps in our credit score. We have recommended Merrick to many friends and family.


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I have had real good luck with this card and Merrick Bank in general. I've been trying to bring my credit up and they are helping me in my quest to improve my credit for any future purchases I might make. They have been increasing my limit frequently it seems but it makes me feel good about how I'm doing. Thank you Merrick Bank.


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On the 20th and 21st of May there was 2 unauthorized purchases made on the PSN network. The PSN networked claimed it would take 3 months to refund my money back on my card. I feel that this is inexcusable. It was a unauthorized purchase that had nothing to do with me. The best they could do is give me a PSN credit. Which means I still have to pay the 200 dollars on my card.


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Merrick Bank notified me immediately when someone tried to use my card to purchase $1500 in Walmart gift cards. I had my card in my possession and no idea how someone got my card number. I was very grateful. Excellent customer service!


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Great for re-establishing credit. Merrick Bank has helped me restore my credit score. They have generously extended credit before anyone else has. I have found their customer support staff to be friendly and courteous.


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Merrick has a program that doesn't punish people who need to rebuild their credit. Their fees are fair and the credit line increase after so many months of responsibly paying your bills goes a long way to repairing your credit score. Compare the terms, I had offers from companies with logos that look like major card companies and their monthly fees were outrageous even if you didn't use the card that month.


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I had never heard of Merrick Bank before they sent me an offer to apply for a credit card. But my experience with this bank since has been nothing less than great. The have done exactly what they promised and my credit score has improved because of my relationship with Merrick! I would highly recommend them to others.


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I been with Merrick Bank for awhile now. I have no complaints and always have had a great experience with them. Their services are exceptional and enjoy the credit increases I receive. I would recommend Merrick Bank to everyone, they have been nothing but great for me and I'm sure they would be for anyone that is with them.


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I have not had any problems with Merrick's customer service. I have been with them for a couple of years now and they always give me credit limit increases, every four to six months. I don't have problems with them calling me to make a payment if I am late. I don't have any issues with Merrick Bank they have become one of my favorite cards to use.


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I am satisfied with my experience, Merrick has everything you would expect online. Not overly fancy (which is a good thing) or complex websites. Everything is simple and straightforward and for a busy professional that is exactly what I need. No frills, no fuss, only the info that I need.


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Very fair and accurate at explaining conditions of the agreement. Easy access by e-mail, mail and phone. As always when customer behaves responsibly, Merrick response favorably. Would highly recommend them to family or friends.


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I would for sure recommend it to a friend, they have been excellent to me. They helped me to rebuild my credit along with giving me options on paying bills and payments. Thanks to them I increased my credit score.


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I think it is ridiculous to charge a $3 fee every month, which forces me to make sure I pay this bill every month even though I do not use my credit card. Either charge an annual fee or allow me pay more than $3, so that I have a credit on my account to cover future months. It's like you do this so that you can trick your customers into missing a payment and then you can charge them a late fee. Terrible. Ready to cancel my account!


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Anytime I have had an issue "and there have been very few, even then they were small" your customer service people were professional, attentive, and handled my issue on the spot. Could not be happier, thanks.


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I submitted a dispute to Merrick. I was not given all the information I needed in order for the dispute to move forward when I initially called. I called back a second time to check the dispute status. Only then was I told I needed more information.


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I fell on hard times. Was making payments, but had late fees. That's was killing me. So I called, they said I pay $207 and they would get rid of late fees. So I set the payment up. I got a letter in the mail from my bank saying the payment was returned because the agent I talked to put the money to be taken out of the wrong account. I have two accounts on file. I know I told her what account to take the payment out of and she picked the wrong one. So I called and told them what account to take the payment out of and they did went through no problem.


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Take a deep breath before I go in on this wretched ass bank. These rip-off consumer snake ass idiots are so damn disgusting to the point they should not be in business. I have caught these idiots in so many lies until I honestly think they all are regular riders on that short yellow school bus. If you are trying to pay off their high interest visa card, they will find some grimy way to get extra money out of you with their famous "late payment" scheme. I have proven every single time that my payment was not late and that their lazy workers continue on processing the payment late to make it late not that it was received late. 


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A few years ago my wife passed from Pancreatic cancer and I have been raising 2 kids by myself ever since. Due to medical bills and the general hardship of the situation my credit dropped significantly. I decided to try and use the Merrick Bank card to help rebuild my credit. In theory you pay on time for 6 months and they raise your limit. I paid on time every month but when it came time for the 6th their archaic website wasn't working for 4 days right as my payment came due. I called for assistance and they said they were also experiencing technical issues and to keep trying. In the end I paid before the late date but they posted one day late. I tried to get them to leave the late mark since it was due to their technical difficulties but they refused.


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I was one of the account holders with Merrick Bank Visa card (Platinum) for some time, never missed payment, used their card responsibly. I was out of states for several months, after coming back today I called Merrick bank to get up to date APR info and increased line, and I was surprised to hear that they closed my account. I asked why it was closed. They stated that there was no activity and that is closed. Some of you may not know when this kind of account closing happens that affects your credit big time. So be careful dealing with this bank. THIS BANK WILL MESS YOUR CREDIT. THINK TWICE BEFORE APPLYING CARD WITH THIS BANK. I am not worried their damn card but I am worried about my credit.


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I've been with Merrick about two years. I recently called to try and get a lower interest rate. They said they never negotiate interest rates and if I wish to close the account that was okay. They did absolutely nothing to try and keep me as a cardholder.


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Because I didn't use my credit card for sometime MERRICK sent me a letter saying they were reducing the credit limit and also in the next thirty days the account would be closed. So Merrick Bank Credit Card Services is penalizing me, a person who has worked hard to re-establish credit and has done a good job at it, for not using credit to their standards. I wanted to keep that card to use in case of an emergency but instead, because I had a zero balance and hadn't used, MERRICK reduced the credit amount and then at the same time in the same letter they indicated the closing of the account in 30 days. 


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Merrick Bank provides professional, friendly, informative, uncomplicated, quality, and helpful service that help me as I pursue my professional and family life. If I need help with finances I can go to their website and find answers to make my life easier. The website is easy to access and navigate through, plus, if I have questions about my account I get fast and quality help. I can also help my son who is a veteran as he pursues school and a career in another state. Thanks to my Merrick Bank card and its easy access. I would refer my friends and family to Merrick Bank. Thanks a lot for the professional and quality care!


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I went through a divorce in a long term marriage where we owned a business. I did not get the business, so had to be released from any liability through BKCY. My credit was shot! Merrick was the only bank that would give me a credit card. I started with a $200 limit, but the goal was to prove I was financially responsible. No hidden fees or startup fees. I paid on time every month, paying off the balance. I'm now at a $2000 limit and have been encouraged along the way with every increase, which matches increases in my credit score, which is now, three years later, is in the excellent range. Being a financially responsible woman, it was hard to suddenly be seen as a poor credit risk, but Merrick helped me reestablish credit. Thankful!


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I've had nothing but a pleasant experience with Merrick Bank. Paying my bill is very simple using their website period. They've always been very fair about raising my credit limit regularly. I don't really know what else I can say except they're very good company.


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Merrick Bank has a good card, reasonable interest rates (although I don't carry a balance). I only have one complaint, their website is very dated feeling, it's like a site one would have used in the late 90's or early 2000's. I would like to point out that the site does have all the features necessary to view statements, transactions, and complete payments, it's just antiquated feeling. I think an upgrade would be beneficial to both the bank and the consumer, also, offering 2 factor authentication would provide another layer of security.


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Merrick has been an outstanding credit card. I have been rewarded for paying on time and they are a secure card. I have been able to travel with security and know that my card is protected using the chip technology.


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So far everything is great. But I downloaded the app for my iPhone. And after about a week it stopped working. I called and the man said it was being worked on. And still it do not work on my iPhone. I have to log into the full site to view my account.


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About a year ago, I opened a credit card account with Merrick Bank. The application process was easy, and my experience using my account and accessing it online and via the app has been awesome. After six months or so, I have already received my first credit limit increase. I would highly recommend Merrick Bank to others!


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Has been a great asset in rebuilding my credit. Couldn't get approved for other cards so "settled" with Merrick. After less than a year my credit line has increased quite a few times and each time has also raised my credit score. Interest is competitive with other cards at my current score.


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My experience with Merrick has been very professional. At an event in Detroit - one of your representative called to let me know about charges on my account that was suspicious. Hotel was contacted the charges were reversed. Thanks for the call


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My experiences in dealing with Merrick Bank is truly great, no problems. More than enough time to make payments on your credit card. Informative as to any policy changes. Their site is easy to manage and accurate. I have really enjoyed dealing with a great institution. Thank you.


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Merrick was one of the first institutions to offer me credit as I rebuilt my credit. Their online tools are great for setting up payments and they offer great credit alert features. They also care about your maintaining good credit by offering your credit score for free. As my credit has gotten better Merrick has rewarded me with higher credit limits without a request. Great credit services. Everything you could ask for.


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Very pleased with Merrick Bank. Always on time and accurate. Of the few times I have needed to call to the office I have been greeted by a friendly and informative person that is actually able to speak English. I have never had a problem left unresolved nor have I finished any communication with them that I hung up angrily. These guys are just that awesome.


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Shortly after receiving my replacement credit card, I activated the card, peeled the phone number off and started using it. A few weeks later I noticed that a lot of charges I had made were now being rejected (charitable contributions). I made about 50 of them. When I tried calling and explaining what was occurring, I was brushed off with a quick, "You failed to activate the card". No, that is not true, I did activate it and made an immediate purchase and it worked. Why now is everyone saying I haven't activated the card.


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Merrick Bank has been good to me. I appreciate that they were able to give me a credit card despite the lower credit score. As I paid timely, my credit limit also increased automatically. Now that my credit score has risen significantly, I am considering closing this account. These are the reasons why: 1) the annual fee of $60, 2) the monthly fee of $5, 3) the time it takes to process my payment to the card that is over $500. Another reason which is not a make it or break it reason is that the website is not up to par with other banks. Even a credit union has better graphics and security measures than Merrick Bank over the internet. Nonetheless, Merrick has been there for me when extra fund was needed and they've never charged wrongfully or reported anything incorrectly to the credit bureaus.


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Since I applied for the card in December to help build my credit and buy Christmas gifts according to them I've only paid on time once. This is BS! I always send my payment a week before it's due and pay more than required. I am extremely upset about this. No way it takes more than 7 days for them to get the payment! I'm sick of being robbed and taken advantage of. Now I'm gonna have to take out a loan to pay them off and be done completely. I can't believe all the great reviews I read. Just my luck I guess! Thanks a lot!


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If I could give it 0 stars I would. With all the banking laws, I don't know how Merrick skims through with their illegitimate practices. On 3 separate occasions I had to call to ask them to post my payments that I made. Not only did they not post my payments that were made 1-2 weeks in advance, but they charged me a late fee. After this happened twice I decided to pay off the card and stop doing business with this company. I did a balance transfer in the total amount, so that I could close my account and what happened? 


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I haven't had any "real" issues with Merrick at all. Dealing with Merrick has been pretty smooth. I think perhaps their app may need a bit of revision in regards to the overall UI but it works and functional.


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I am reestablishing my credit, and have gotten my credit score up to the mid 600s. I've never had a late payment and I usually pay more than the minimum payment. I called to negotiate a better interest rate, and I was told that they don't do that. As soon as this account is paid in full, I will be closing this, and finding a card with a better interest rate.


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I have not had any dealings as yet with Customer Service, but so far the card has delivered on its advertised promises. My credit limit was increased automatically, and the minimum monthly payment is more than reasonable. My only issue is the annual fee.


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Merrick is a good starter card. Interest rate is kinda high, which is why I rated lower. Which being a starter card you can understand, however after some on time payments they should lower it. As you've proved yourself, as well as increasing the credit lines.


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I have been a card holder with Merrick Bank for over a year and a half and they have always given me excellent customer service. They always respond professionally, knowledgeable and honestly to my concerns. It has been my pleasure doing business with Merrick Bank and I look forward to a long business relationship with them.


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My experience with Merrick has been wonderful, I wasn't sure the ad and offer of their invitation to apply would turn out true. The INVITATION to apply said if approved and you made the first 6 payment on time they would double your credit line. For me that was going from 600.00 to 1200.00 dollars. After making 6 payments on time I got a email saying my credit line was increase to 1200.00. They stick to their word. That a great thing today.


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What's disturbing is when I call to dispute a charge, I provide all the necessary details as to why I'm disputing a particular charge, then receive a letter in the mail requesting the same information. Discover and State Farm Visa doesn't require this process. If Merrick could not have customers send in correspondence as to the same information I provided to the previous customer service agent, that would be great.


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I am appreciative to Merrick Bank for the service they provide. They were the one credit card company that was willing to give me a chance at credit recovery. Their service has been professional and courteous in all areas that I needed them.


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Overall my experience with Merrick Bank is good. Areas that they could improve upon are creating a better mobile app, offering some type of rewards program or cash back incentive, and removing the annual fee. Interest rates seem ok for the type of card that it is, but could be reduced over time.


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I don't have a lot to say about this, and in this sort of situation I think that is a good thing. If I was upset or disappointed with the services I was receiving, I would be writing at length, in detail. I appreciate my card and my experience with Merrick Bank thus far. Thank You!


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I have been happy with the service I have received from Merrick Bank. My only complaint is when I try to log online, the website often tells me that I have too many tries to log in and then I call and get back into the system. Thanks.


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My credit report reflects updated information from my card activity at least every 2-3 months, which has really helped me build my credit report. The app is easy to use for seeing activity and making payments. My payments apply to my account within a day or two, and I get email updates that remind me when my statement is ready so I'm never late making my payments. I love this card!


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I like Merrick Bank online account services for the ability to search transactions which give me a specific view of my charging activity. I also like, very much, the simple straightforward payment process as well as being able to look at payment history to confirm payments and for budgeting purposes. One very nice feature is the "Statement Summary." This is a GREAT overview of my account profile, activities, interest charges, etc. Thank you Merrick Bank for being a customer oriented financial service!


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I've been completely satisfied with all my dealings with Merrick bank credit card services! I'd definitely recommend all these services to anyone that asked me. I've called customer service and have always been satisfied. My problems were handled efficiently.


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I have been making over the minimum payments on my Merrick Bank Credit Card out of Salt Lake City Utah. I was told due date was 30th of each month. I never really looked at date on Statement. I always make payment on automated telephone line and my minimum payments is usually 35.00 to $37.00 Dollars. I was late in February 2017 I made payment on the 27th 2017. On March Statement 2017 reads past due amount $37.00 Dollars, Minimum pmt. 114.00 payment Due 3/18/17. I looked at the due date is supposed to be on 20th so did they change it on me and not tell me. I thought I was making early payments. And at that nothing on statement does not say anything about a late fee.


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I was having a financial hardship, and Merrick agreed to put me on their Hardship Program. After making my agreed upon payments on time for 2 months, I did not receive my bill. I called Customer Service and stated I had not received my bill, and they informed my account had been Charged Off!! I was furious and I want to let people know not to trust them when they agree to a payment plan with you. They told me that after making my agreed upon payments, for 3 months, that my credit report would show my account as current, although the account was closed for further purchases. Lying to the customers is very unfair!!! I kept my end of the bargain but they failed to keep theirs!!!


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Back on October the 3rd Merrick Bank put a $2.77 paperless fee on my account. I had no knowledge of this fee. They reported late to the credit bureau and it drop my 40 points. I contact them and they refuse to remove it. So now I can't get a mortgage. Bad company and customer service.


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Each time I encounter Merrick I have had good service. Whether it's the ease of the website or speaking to someone directly, I feel like I am receiving the best service possible. I would recommend Merrick to friends.


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They have done every that they said they would. They have given credit increases without even having to ask. As long as you hold up your end. They are a no hassle bank. If you're a responsible person then building your credit is a snap with Merrick Bank.


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I called in because my card had been compromised. The issue has been resolved, however, I asked the rep when I called if there was a mechanism in place where it detect a purchase on the same day but different state it should of flagged it. I had to call.


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I've spent the past 3+ years cleaning up my credit, no lawyers, no debt consolidation firms... just me. I received a pre-approval letter from Merrick Bank. I usually throw them away, but the opportunity to double my credit limit in only 6 months (with no late payments and paying at least your minimum balance). So I took a chance. I'm not so far along where I have been receiving low interest rates yet, but more people are trusting me with unsecured cards so I'm happy! I've had to call Merrick Bank quite a few times, including a charge dispute. I've always received very good customer service! One associate took the time to walk me through specifics as far as what information I'd need to support my dispute claim. This card is one I plan to keep. Especially since I could be eligible for another increase in a year!


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Great experience. Merrick Bank has been an important part to rebuild my credit after divorce. The website is easy to use and I appreciate the GoScore so that I can keep track of my progress. My credit limit has been increased fairly and I have had no problems or issues working with this bank.


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I am very pleased to report that my experience with Merrick Bank has been excellent! In my opinion, Merrick Bank takes a real interest in me, and when I need to speak with them they are courteous, knowledgeable, and more than helpful.


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Great service. I would definitely recommend Merrick Bank. One future that stood out to me the most is how convenient your account information is through the app. Other creditors have long maintenance days which really limits you.


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After going through bankruptcy I swear off credit cards for a couple years. I didn't want to do it Capital One because I had a bad experience a few years ago with their customer service. Before applying for my Merrick Account I checked out their website and how easy it would be to pay online. It is very very straightforward and they offered me free credit checking software. I am very happy with this bank.


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Your employees are always polite as well as helpful. I enjoy talking to them and I am always able to ask a question and know that I will get an answer. I enjoy your availability. It is generous and I know that when I need you, I will find someone there.


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Whenever I contact Merrick Bank for any reason... the problem is taken care of. I have only had problems with a couple of businesses charging me for something I did not want. I was told what to do and how Merrick would assist me.


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The only improvement I'd like to see is that my transactions show up quicker on my mobile account app. Overall though I am very happy with my experience with Merrick Bank and have recommended you to friends. My wife and I both have accounts with you. My neighbor also financed his boat with you and is very satisfied as well.


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I think Merrick Bank credit cards are great. I have had for over 5 years now. I just would like larger credit lines increases and more often. I have never had a late payment since I have had the card. Over 10 days.


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Good. I went from credit line of $600 to $1200. I pay it faithfully. Can't wait to get a larger credit line so as I can replace my dentures and have pride in my smile again since I have no teeth. God's will.


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I love how easy it is to navigate your website, to access my credit score, and I especially love the fact that you are helping facilitate my rebuilding of my credit. It was painful to lose my near-800 FICO score when the economy tanked, and my goal is to get back to that soon - with your help!


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I am very grateful and happy for the confidence that I have had since. In 6 months they doubled my credit just as I had been promised when I made the application, and of course if I recommend to my friends. Everything is very well. Thank you.


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I applied to Merrick for a credit card at a time that I was trying to rebuild my credit and improve my financial situation. It was most impressive that Merrick gradually added to my credit limit without my specifically requesting an increase and without requiring application or credit checks which could affect my credit score. The Merrick card I maintain in my wallet is a reminder to me that keeping a good relationship with a quality lender is worth its weight in gold.


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Since being associated with Merrick Bank I have never experienced a bad moment with them. They are forthcoming with information and always willing to help.


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Merrick Bank is outstanding card to have. I am grateful for Merrick Bank when I call customer service and representative are helpful and listen to any problems I may have. Keep up the good work with this card and customer service department.


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I have experienced an excellent service and we have established a very good relationship throughout these years. Additionally, the customer service is knowledgeable and provide accurate details to resolve customer request. Thank you.


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I would highly recommend anyone to obtain a credit card with Merrick Bank. Not only did they issue a card when I was trying to improve my credit score, they increased the limit often. I have never had to call customer service because I have never had a single problem. It is my absolute favorite card.


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I posted a payment to my non-secured Merrick Bank Visa card on 2/21. The amount was debited from my bank account the following day. As of 2/24, the payment amount is still not shown as available credit. I called customer service and the agent claimed the funds would not be available until the 27th. He explained that the amount was put on hold because it was higher than my normal payment amount and that they needed to make sure the funds were available. I replied that if the funds were not available, they would not have been debited two days ago. 


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Merrick Bank's credit card that I have is of great service to me. I use it regularly to cover expenses on my daily commute to work. I have personally never had any issues with the purchases I've made. I also like the quick and easy app. It lets me make payments easily and they post payments fast. Also gives fair credit increases!


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Not happy with Merrick Bank. I had a car repair shop swindling us for $3000. I disputed with you and provided extensive documentation. Your Manager was rude to my husband and you did not send my case to arbitration, as contract I signed with you requires. My Capital One and Fidelity Investments Visa refunded me the money he charged to those accounts. This is the reason why I try to no longer use this credit card to avoid being ripped again. Not a trustworthy Bank.


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Good card. I have been treated fairly and have achieved a CLI. Paying your bill online is easy and free and I haven't had a single issue with this card. I have never had a reason to call the customer service line, so I cannot rate the customer service experience.


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I am pleased with my relationship with Merrick and I am happy with the courteous and helpful staff that I have dealt with. I would recommend Merrick to anyone! Those I have dealt with are courteous, well informed and they bend over backwards to help when I have needed it.


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100% of all interactions with Merrick Bank's Customer Service Representatives have truly been World Class Service. Great attitudes along with Resolutions to any of my inquiries and needs!! Thank you Merrick Bank for the opportunity to be a valued Cardholder Member!!!


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Whenever I call and have a questions, I get a live person on the phone rather quickly. The person is always very professional, courteous and well-informed. I enjoy working with Merrick Bank despite the high interest rates.


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They are a scam company promising a double your limit in six months if you make the payments on time. They don't take the money when you make a payment. They wait four to five days then slick talk you and don't give you the double your limit offer. To hell with Merrick Bank!!!


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I found several charges that I did not make. They were rude initially and then said they would cancel my card, send a new one, and submit a dispute. I asked them if I needed to contact the merchant. They said, no, they would take care of it and yet the charges have not been removed. This is ridiculous. Other credit card companies would remove them right away or at least within the billing cycle, but this has not happened. This is very poor customer service. I understand that I had issues with my credit but it doesn't mean that I should be treated like this. Bad business, Merrick Bank. If it would not negatively impact my credit, I would close this account.


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This bank gave me a credit card when I had not so good credit. Thankful for that but after 2 years of on time payments and they continued to increase my credit limit when I asked them not to. I called to ask for a reduced APR interest rate as I always paid my bill on time. They declined me my request. I will be closing my account. Interest rate of 28%. Outrageous!


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I have had nothing but positive experiences with Merrick Bank since I became a credit card holder. The one time, I had to contact customer service, my issue was handled promptly and efficiently and all of my questions were answered. Any information I have needed I have been able to find on the Merrick Bank website. I also received my first credit limit increase right around the holidays, which couldn't have come at a better time.


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Security block placed on my account without telling me. I then go to use the card and it was declined. EMBARRASSING! They couldn't have given me a courtesy call to let me know first? Just block the card and let me find out at the register. CRAPPY customer service! Canceled immediately after being a member for 5 years.


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Hi, Merrick Bank has been great with my personal needs and flexibility. I really appreciate how they have given trust in my finances over the years and I will continue to do business with them. Thanks.


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They have done everything that they said they would do when I applied for the account. Increased my credit limit in the time frame promised, has a secure and easy to use website, and I love, love, love their go score feature that gives you an updated FICO score once a month.


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I believe Merrick Bank to be a fair and honest company. I have had no "surprises" with this card. Merrick Bank is also a great tool to have when you are trying to rebuild your credit score. I definitely recommend this company. Thank you Merrick Bank. Customer for life.


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Merrick bank has been an amazing card for. With a lower credit score, Merrick bank started me with a $700 limit and after I made 6 payments without being late, they automatically raised it to $1400. Thank you Merrick Bank!


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I have no problem with the assistance I received. My problem was with your internet site. You only allow two choices for monthly payment - minimum or account balance. You should be able to pay something between the two without going thru the changes you have to - first cancelling the min then entering the amount you want to pay. Your internet site is not that clear for us old-timers who are not computer savvy.


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Called to get update on some fraud activity after 2.5 weeks, the gal I spoke with was very careless, not helpful, and I was honestly going to cancel the card just because of how horrible the customer service is. Very scripted, there are a lot of card companies out there... I'd apply elsewhere.


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Merrick Bank is Top 1 of 100. The service is awesome and I would recommend them to all my family and friends. I've never been more satisfied with a banking institution and the way customers are treated. The online service is user-friendly and they always have someone to assist you.


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I have been mostly satisfied with my dealings with Merrick Bank. I love the online banking. I was happy with the credit increase. The reason I will be cancelling my card is that when I called to have my annual fee waived I was told that it could not be done. That is very disappointing. I understand when I applied for the card my credit was questionable. But since I have had it I believe I have proven that I am not such a high risk.


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My experience with Merrick Bank has been very good and straightforward. Limit on the credit card is fair (interest rate could be lower) and billings and payments have been timely and credited quickly. Thank you.


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I'm still waiting for the charge dispute to be settled (3 separate charges from the same company). I was told I would receive a call from Merrick but I'm still waiting. Hopefully things will be fixed soon.


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I only have a Credit Card with this Financial Institution and I am very happy with it and with the service I am getting. I have no doubt to recommend it to few people around me. Hopefully in the near future I can get involved with more benefits and service with this bank.


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Very poor dispute policy and online statements -- After finding two fraudulent charges on my account I called to dispute them. They canceled my card and sent me a new one but will only tell me that disputes take 30 to 60 days to appear on my account. There are no updates and my online statement shows nothing in dispute after two weeks. I have never had a bank not take immediate action and at least show items that are in dispute. In addition, the online statement shows no new charges yet my balance keeps going up without explanation. Call to Customer Service are of no help. Very bad business!


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I ran into some credit issues after the economy crash of 2008. It really affected me and my family. Merrick Bank was there to give me another chance at rebuilding my credit, and for that I am very appreciative. My credit score is back on the rise, and I am very hopeful at starting my own business soon. I would certainly recommend Merrick Bank to others.


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The only suggestion I have is to add pending transactions to the online Banking. I bill out of pocket expenses and sometimes I would like to verify the amounts before they officially post so that I can bill these expenses.


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The most important values I look for in a credit card company is courtesy, empathy, understanding and a professional attribute that isn't stern and unshakable. Merrick has these values, and I would give up all my cards and just keep Merrick.


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I was forced into bankruptcy over a year ago and Merrick Bank gave me the opportunity to rebuild my credit. I am on social security and this card has allowed me to get emergency purchases. After making payments for 8 months, I was given an increase to my credit as was promised. I would recommend Merrick Bank to anyone who needs to rebuild credit.


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I would have complete peace of mind recommending Merrick Bank to any friend of mine. The credit offer extended to me (I am trying to repair a credit rating that suffered a major setback in the past ten years) was a credit limit of $1,400 that would double to $2,800 if I made all my payments on time for ten billing cycles. They were true to their word and my "on-time" payment history has been useful in helping my credit scores go over 700 for the first time in my life. 


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I have several credit cards but Merrick bank has by far exceeded the rest. The things that stand out the most is: posting time. I have some cards that will only let me pay the bill on the due date and another that doesn't post to my account for 5 days. Merrick is far better than the others and I would refer them to others. We are in the process of eliminating other cards we have but we are keeping this one.


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I was a wife with no control of finances or in reality life. Merrick gave me an offer to begin building my credit and I took it. I'm so happy to say that my credit score has improved greatly and I finally feel like I can successfully manage my life and credit. Thank you for giving me that ability...


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I have never had any bad experiences with Merrick. Love the Merrick Bank app... Makes it easy to review my account, pay my bill, edit payments, and speak with someone if I have any questions regarding my account. My credit line was doubled after 7 months since I made on time payments.


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Called in regards to a hack of another credit card to "Freeze" this account for a 2-week span to allow "Clearing of any possible charges" that might be pending, not legitimate of my purchases. The customer care Representative was very polite and thorough in confirming and locking the card. As well as the representative that re-established the card's activity.


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Overall, my experience has been "fine." Not great, not outstanding, not exceptional. You provide a card, I use it occasionally. The billing seems accurate. That's about it. Your website is really fairly rudimentary and seems to be a decade behind your competitors. For example, I can't see pending transactions on my account, only charges that have been actually posted. I don't use your card when I travel out of the country because you have a foreign transaction fee, and I have another card that doesn't, so they win. I have other cards that give me between 1% and 2% cash back on purchases. You don't. Once again, they win. 


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I am very pleased with my experience with Merrick Bank. No complaints at all. I do wish however they would reward excellent use/payment history with an offer to reduce the interest rate. Thank you!


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I love the fact that I can see my credit score once a month without having to go to a separate site. Also without asking my credit limit was raised because of repeated on time payments.


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I am grateful that Merrick Bank has seen my record in using my credit card and extended me additional credit along the way. The website is very easy to use and when calling to speak to someone they are always courteous and helpful.


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You people gave me a chance to prove I am credit worthy, I am always on time and ahead of time and ALWAYS pay more than minimum payment. You trust me with your money and I will never forget your bank. Thank You All Again, a customer for life.


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Merrick Bank is by far the easiest to work with. They are completely customer centered. I never thought I would give positive feedback for any bank. But I am very pleased. They give rewards without asking for them, and they keep a close eye on transactions to make sure your account is secure. Top notch guys! Bravo!


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I have had my Merrick account for a few months. I got a call yesterday stating that there may have been fraudulent charges on my account. After talking about this with the representative, I discovered that the charges were in fact, fraudulent. They canceled my card and now they are freezing my account. I made one simple request. I wanted a statement so I could investigate the charges on my account. The website doesn't show pending charges. The rep was annoyed that I made this request. He literally stated, "Sir, I'm telling you what the charges are." Understandably, I want to see the charges for myself. I requested they mail me a statement of some kind showing all the charges on the account since the last time the horrible out of date website posted a charge. He acted as though I had asked for the moon and I was told I could not get that. After going back and forth with this guy for 10 minutes about why I wanted it, I decided to end the call.


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Ok we have been continuously charged with fees. The last one was a late fee $38 which would be ok if my payment was late but it was due on Jan 11th. It was paid on January 11 and then a few days later I was charged the late fee.


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Paid my bill off in full... got a $4 service fee. When calling I asked about the fee, and about reducing the interest rate as I've been a card holder for almost 2 years and have never been late. The response from them was paper fee... although there was no bill for them to send out a paper fee for. And they said if I didn't want to pay the interest rate they could close my account. Asked them "you would rather close a good customer account than reduce the interest?" They responded yes.


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New customer here. Visa Platinum (not a secured card). I was getting close to my limit so I made a $350 payment online. After 4 business days the money had been taken out of my bank account, the payment had been posted on my card, the balance on the card reflected my payment but I'm showing $0.00 Available credit. I called customer service (since they have no way of contacting them online) and was told that there was a hold and the funds wouldn't be available for two more days, with no reason given. Sorry, but this is unacceptable. And honestly it's really as simple as that. I didn't go over my limit, didn't make any weird out of county purchases, I just made a payment prior to the actual due date because I was getting close to my limit. And for that, for being responsible, I'm punished with hold on the funds that I sent them. Well off to file a complaint with the Consumer Financial Protection Bureau.


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I opened an acct. (secured) with these yahoos 3 yrs ago, used the card every month, made PERFECT payments for 3 yrs straight. Never once did they ever offer me a thing, no appreciation at all. I closed the acct. owing them $3.00, so they wanted to charge me an additional $15.00 to close my acct. and then another $3.00 out of my secured $200.00 I opened it with. I closed it and would never again deal with such thieves. Save yourself the headache. Look at other or different cards that at least are glad to have your business.


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Our entire family each have been banking with Arrowhead Credit Union for over 10 years. We switched from larger bank BOA and couldn’t be any happier. I’ve received the lowest interest rate on both our new & preowned car purchases. And my visa credit card rate is also lower than my non arrowhead accounts. The only thing I wish is for credit card holders had way of locking credit card via website like my Citi & Capital one accounts in case you misplaced your card. It took about 45 minutes of being on hold for next available person during a mid-day week to be able to place a stop on my visa credit card. Overall all been happy customer with Arrowhead credit Union.


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I have been with this bank for about 2 years and have never, ever had an issue either with online or in person. The staff are always efficient and pleasant. When I have an issue with my debit card, they remedy the issue very quickly and satisfactorily. They have industry standard hours during the week and on weekends. Their shared ATM access is never an issue either. I can readily find an ATM when needed with no surcharge.


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I have been with Arrowhead credit union for over 5 years.... I figured when covid-19 started I could depend on my bank. They posted all over the site, "We are here for you if you are struggling." So I applied for a $2,000 loan to help my family. They denied me. I asked for help about 3 times since the pandemic. I was denied each time. Mind you my account not once being negative. So this week I went to them and asked if they could refinance me with my car. I know I don't have the best credit but during this pandemic I have made all 18 payments on my car. They denied refinancing me. This is the worst credit union when you're in a bind. I wouldn't tell anyone to bank with Arrowhead credit union.


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Hello I have been a customer with your bank. When I first signed up it was because I was starting up my company And amazon needed a credit card. I started a secured account with you. Later opening up another secured account. From there however I had nothing but a bad relationship with you 1. I opened a checking for just my Shopify sales. I had a Customer with a VERIFIED tracking COMMITTING fraud FOR A FREE ITEM. The customers bank was constantly trying to reverse the charge. I showed you proof in the bank but still You allowed me to constantly get the NSF fee even though it was fraud. By the time it was over the NSF fees matched the cost of the item. The manager said ‘I’ll waive this not those.’ I closed the account and opened it somewhere I dont have issues with allowing fraud. I had 22K accidentally DEPOSITED IN ARROWHEAD. I TOOK IT OUT IN LESS THAN 24 HOURS. I CAN'T BUILD A BANKING RELATIONSHIP WITH YOU ANYMORE. 


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My account was closed for being inactive for a year and when I went in to cash a check, the teller was in training for a short period of time and she was very knowledgeable and informative. The teller training her was very patient with the troubles of my situation. It took me 2 trips to the bank to finally get my account back up and I was ok with that because of how courteous and attentive the tellers were.


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Arrowhead credit union called me and told me someone found my wallet and arrowhead will lock my ATM card. That’s great! Did the person say where I could come and get my wallet? Arrowhead credit union responded they cannot provide that information it is unsafe. Then she said I can come in and get a new card or she can mail me one in 4 to 6 Weeks. How’s the hell am I supposed to come in and get a new card if I don’t have a wallet with my drive'rs license!? She said, "Sorry that is the rules." That is one of the most stupidest rule I’ve heard at arrowhead credit Union. Now I have to go and apply for new driver's license with new credit cards new ATM card stupid stupid stupid! All we had to do was exchange the information for me and I could’ve got my wallet back....Jesus freaking Christ.


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Just recently encountered a problem.... which was my fault. I have 2 bank accounts open at Arrowhead I have one account that is negative, and the other account is in good standing. So I accidentally deposited money (ATM deposit) into the negative account and I FREAKED OUT! So I called the call center and told them I made a BIG mistake and really needed that money to go into the correct account because I needed that money. They were so understanding to my needs and helped me out. They transferred the money out the negative account to the correct account. I've been a member with them since 2014, I've NEVER had any issues with the call center or the Riverside Branch.


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This company is terrible and they are a bunch of scammers. Very rude customer service agents that are in some serious need of training! They claim there is no credit check but approve your loan and then collect more personal info and deny the loan after due to a mysterious credit check they claim they do not do. Just terrible all around.


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We merged with Arrowhead CU in December, 2018 amidst a whirlwind of promises of expanded services and advanced online banking services. Their mobile banking app and website can be accessed only within the United States! Military and overseas workers cannot access their bank balances, loans, transfers, cleared payments. The internet is supposed to be worldwide. Arrowhead provides local service only. What if a member takes a trip to Europe? The app does not travel with you. If you run out of money, plan to phone and be on hold forever. This ancient technology and lack of internet access puts military families in danger of financial ruin.


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Arrowhead of San Bernardino. Applied at multiple institutions for a Home equity loan. Arrowhead had the best interest rates, terms and 0 fees. Our home appraisal came in higher than expected so we were able to get a higher payout at 85% LTV. The only bad thing was that they don't take appointments to sign the closing documents. We had to wait in the lobby for more than an hour. A home equity loan is a premium product and they should take appointments especially since they only have 1 notary on duty.


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Bank of America is the worst with gift cards. The customer service person said because the card was expired they couldn't open the account to reissue funds even though they got their money. Meanwhile, the person on the phone admitted they only offer 9 month gift cards. My company bought the cards in Nov 2019, gave it to employees (me) in Dec 2019. I wanted to spend it for the holidays, Dec 2020, and didn't realize it's only for 9 months and in my case I had it for 8 months. Such scam artists. I remember the issues I had with the BOA credit card. Cancelled that long ago.


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Card expired and they are saying there is nothing they can do. I forfeit the funds. Shame on BOA...absolutely ridiculous. I have had other cards expire from other banks. Some partial balances and some never used. They have ALWAYS been replaced!!! ALWAYS!!!!! This is just plain theft. Shame on BOA!!! IF I could give ZERO stars I would!!!!!


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The Bank of America (hereby BOA) is the largest bank in America. However, "BIGGER does not mean BETTER!" I won a Sales Contest and received $250 worth of VISA DEBIT Cards. I'll admit that I put off using the cards because I had a specific purpose in mind for their use. I inadvertently misplaced them and when I did locate them I realized I had missed the cut off date for their expiration. Again, that's on me. I called the BOA Customer Service Department to inquire about the status of the cards and they stated the account "was closed" and that the FUNDS had been "Forfeited BACK TO THE BANK!" I inquired about being reinstated and paying any sort of fee for carrying a balance. I was informed that they had no such option. There is some sort of agreement between the Sponsoring Company and BOA that the funds are kept by BOA. In any event, BOA was determined not to reinstate the cards which still had the activation stickers affixed.


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Bank of America provides the option of getting gift cards with rewards points. I tried to redeem 2 gift cards from Amazon and Amazon said that Bank of America requested the money back. Bank of America Customer service at Amazon told me that BOA actually got all the money back from the bank who issued the cards. This can't be legal. BOA offered me this promotion then reclaimed the gift card money.


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If I could give them zero stars I would. I had an issue logging into my account two weeks ago because the battery in my security device has died. After going through all the security questions with customer support they would still not answer questions I had on my account stating that they couldn't verify me even though I had answered multiple questions which no-one else would have the answers to. They had to get someone else to call me back and after going through the whole ridiculous procedure of taking pictures of my driver's license and a selfie I got the answers I was looking for. However, the agent I was speaking with then asked me if I wanted to update my email address and mobile phone number to my account which I did. 


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Liars and thieves in the Philippines: "Sir you set up account you will receive *** dollars." I deposited over 30 mil pesos and got nothing. I wanted to change my pesos to dollars. "Sir you MUST put your dollars into a 3 month time deposit with ZERO interest for 3 months before you can have your money." OMG. Now I'm in the US. For the last 30 mins I have been trying to change my password. TOO DAMN many codes, too damn many steps.. Before I can change it on my laptop they are requiring me to download their APP and log in to change a simple ** password.. Couldn't figure it out. Got on chat, she was worthless. Now I'm on hold 20 mins and I am a "PREMIER CUSTOMER". 1 hour to change a password..


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To whom it may concern: I moved to Abu Dhabi from the USA, and I needed a bank. So I selected HSBC, which a friend recommended. Since then, I have gone from one disappointment to another. It took them seven business days to send me some means to access my bank accounts, such as a credit card or checks. Now here is the exciting part: When I signed off, they said they would do it if I needed a loan for a car or anything else. And when I subscribed for a car loan after 30 days, I was denied. Their policy requires 12 month's history. I was asking for a fast car loan. Even though the car belonged to them, they did not process it. Even though the car is under warranty, they did not process it. Bottom line, do not trust HSBC: What they say is not what they do. They are not different from other banks (even worst). I do not recommend HSBC. The service is null and they are not transparent with their policy. Regards, Franck


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Absolutely worst experience of opening a bank account I have ever had. It took 1 hr and 50 min to open 2 simple saving accounts! Even though filed an online application and got a reference code, it could not be found in the system, so had to start from scratch. Then bank cards did not work and new ones had to be reissued. The creation of a customer profile takes forever for no apparent reason: the bank associate just endlessly fills out something on the computer without really asking any questions, except the basics of name, IDs, address and employment. Inconceivable why it needs to take so long!


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Living abroad it isn’t easy to open a bank account as an American citizen due to US taxing laws; this was the bank my university suggested/practically insisted we use to “facilitate” our transition to living in France as they told us horror stories about how we couldn’t do xyz without a French bank. I have later learned that this is not true and there are alternatives. Honestly, it has been the biggest regret of my life and I will never step foot in an HSBC branch again. The tellers at my particular branch on Saint Dominique are lovely but this bank has some very strange practices and has no issues locking, restricting, or cancelling your account for anything you do, all without telling you.


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HSBC is truly the worst inefficient and crooked bank. HSBC should be sued. They will charge fees for everything and freeze your account if you do not use it within 9 months. The way to unfreeze your account is to make fund transfer transaction that will cost money. HSBC does everything to try to steal money from the customer. The online chat representatives cannot resolve anything and will drag the chat on for unnecessary time. Normally takes 1-2 hours on chat to get someone to try to help but in the end they do not help and they will tell you to call or visit the bank.


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I WAS a client of HSBC for about eleven years. As an expat this was a great fit. HSBC being an international enterprise made life easy. (Wire transfers, cash machine, in-country branches, etc.) Smooth sailing with these guys, monthly wire transfers were flawless, customer service was professional....no complaints at all. Everything was rolling along fine until they decided to cut US operations and concentrate on higher-end clients. I qualified as one of these clients (75,000 min. balance) when I relocated, but real estate, vehicle, etc... purchases took care of that status. I don't blame them AT ALL. Much more profit to be had in Hong Kong and Mainland China than my minuscule deposits. Anyway.....my only regret is that my account got dumped to CITIZENS BANK. How did that go? Well I wrote a little piece about them last night, check it out if you will. Calling that bank a dumpster fire would be disrespectful to dumpster fires. (my opinion)


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Don't Trust HSBC's Promotion! I've been their premier account customer for 20+ years and mostly in Asia. I moved back to BC Canada 8 years ago and the nightmare started. Most of their staff have an attitude that customers are there to serve them so they can have their salaries and job promotions. I thought things were improving last year when I was assigned a new account manager. She was very helpful and I started to move my cash to HSBC from another bank. After deposited a chunk of my saving there, they have a promotion to attract more deposit because people are moving money away due to some stupid act they did in Asia (freezing legit a/c because of political reason (sounds familiar?). 


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I opened an HSBC expat account due to relocating abroad, thinking that I was upgrading my bank and helping with my new international position. I can't tell you the time wasted and stress caused since we opened the account in July 2021 to now, Feb 2022. From start to finish, they have failed at even the most basic of banking services and my free, UK Co-operative bank was significantly better. I don't even want to waste more of my life detailing the issues, just take my advice, never open an HSBC account for anything. (I'm even on the chat function now as a $6k payment has gone missing and they don't know what's happened to it).


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The Premier account is a scam. It charges 34.95 a month. The Waiver conditions are so high, it is only for rich guys. After 6 years being a Premier checking account, I wanted to remove and down grade to a normal checking account. It was a night mare to get through the right person. After several trials; online chat, phones, I can still not able to do this. waste lots of time, and frustrated. When you call the customer service, people either from India with heavy accent, and you will be asked to call another number which is not a right number either!


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Made a CC enquiry 5 years ago, have emailed and called recently to have them remove the enquiry from my Credit Report. Every time I speak to someone they ask for my reference #, despite never being able to give me one. When I ask them to give me a reference # for my file or the enquiry they tell me the "other department" has that information and they do not have access to it. Every time I call to follow up, they tell me it is with another department, but cannot tell me which department and that I have to wait for this department to contact me. Will not give me contact details for the "other department" so I can follow up with them myself. I asked them who do I call and what reference # can I use the next time I call to follow up and they tell me to call (this) same number and I do not have a reference number, so every time I call to follow up the cycle is repeated. 


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After having a checking account with HSBC for over a year, I received an email informing me that they are closing my account. (Never had bad checks or overdrafts on my account). HSBC would never explain the reasoning. When they closed my account in Aug 2021, there was over $900 in the account. Still as of today 12/18/2021, they have yet to release my money back to me. Clearly unless you are just loaded with money and can spare $900, DON'T USE HSBC BANK.!!!


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HSBC has a new Global Baking account that gives you market exchange rates less a 1.5% spread. However, for a transfer from a Pounds Sterling account in the UK into your own US$ account as a Premier customer, they take a huge spread of 3.25% which is more than many credit cards take on small amounts. I tried complaining but they won't discuss it due to "commercial sensitivity"!!!


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HSBC advertises a $450 bonus with a $5000 direct deposit in 3 months. I walled to see if that was $5,000 total or each month because the ad was not clear. I was told that it was definitely cumulative, a total of $5,000 within 3 months. After 3 months I am told it was $5,000 EACH month.


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Had to use phone funds transfer service because online banking was failing with errors. They got the name of payee totally wrong (but it is a well known brokerage firm!) Payment is now nowhere to be found.


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I saw a promotion for opening a checking account. I applied, and it took 4 days for a response. I was approved for Basic Banking. I read the reviews online, so when I funded the account transferred a few dollars via CashApp. The deposit didn't post for 2 days. I thought it might've been due to the account being new.


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If you are looking for good service THIS IS NOT THE BANK TO BE WITH. In my opinion HSBC is excellent in Europe & Asia BUT not in Canada. The staff here in Canada is highly unprofessional and lack even basic knowledge, customer service & English language skills. To make experience worse, the Vaughan Mills (Vaughan, ON, Canada)  branch manager "Rose **" lacks management skills, is highly ignorant and delusional of her role. Would love to see HSBC senior management take note of it and focus on training staff in great customer service that they are known for in other parts of the world, else risk brand image.


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I just wonder does Headquarters cares about its reputation? **. This is ridiculously low. Even scammers get better reviews. I will copy my comments.


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Need to have a drive through window in the new HSBC branch in Westbury N.Y. Also, need to have a branch closer to my home in Mineola, Williston Park or Albertson N.Y. All banks should have a drive up window. I am disabled and it is difficult for me to get out of my car and walk into the bank just to make a simple deposit.


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I called to HSBC with a request to check if I am eligible for a new checking account promotion since I already had CD some time ago. I spoke with four different HSBC representatives and no one could understand my question. It turned out that I was rerouted from Philippines to India, and From India to somewhere else but not USA branch. Each time I asked for a manager, I was rerouted to anyone else but NOT to the manager. All out of State reps kept asking me different questions not related to my main question. I am wondering how the business is done if reps don't understand what they are doing.


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Worst bank to do business with. Staff is unfriendly and dismissive of any issues that arise with your account. The bank acts with impunity when it comes to its actions and they will not respond or provide you with explanations when confronted. If you have the opportunity to bank with someone else, do so, it will save you headache and frustration. The bank doesn’t work with Zelle or Plaid so it makes linking your account very difficult. Forrest Hill, the VP is especially unhelpful and never returns calls or offers any real help. The customer service is routed to India and the people you speak to have no real desire to help you out. Calls regular get disconnected and you will never receive a call back. The customer service representative Rachel ** should not even have a job. She was supposed to be my point of contact but never returned any of my calls or emails. Overall, worst experience I have ever had with a bank.


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This lender marketed a number of third party services and I got stuck with a home warranty company that refused to honor the terms of the warranty. When I contacted the mortgage lender for their assistance, not only did they nor provide assistance, they would not even respond to my letters.


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HSBC were so poor it beggars belief. My former wife, (current GF) who works for a top 10 publicly listed ASX company got a loan pre approval. It all went smoothly. I decided to also look at an investment home loan through HSBC. I offered cover (including the investment home) at over 9x. I gave them my salary details, but b/c I work for a family business I was treated differently. I gave a 19 tax return and a 2020 tax return showing a pre tax salary of 25% of what I was seeking to loan. As I am a director of 4 companies (3 of which no longer trade and I have a trust), I was treated with serious distrust. So 9x plus cover as security and they won't lend to me b/c I work for a family business. 


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Well, I am Manu from India, after looking on Wikipedia that HSBC is one of the finest bank in the world and checked if their services are available in India or not. And I found their services in India and after checking their website www.hsbc.co.in in India I finally found that they are offering a banking services in India. Even a zero balance bank account is available... I found a branch and visit the branch, I thought because it's one of the largest bank in the world, I thought I will go there and just open an account in a minutes. But after visiting the branch I was felt like they want to know everything about us and despite of opening bank account they were talking about everything else.


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I am an existing FD customer. Trying now, for 6 weeks, on a daily basis to complete the process of opening a business account. Hours spent several times a day trying to get through (yesterday 2 hours!). Equally online application process - verification of ID, which shouldn't be required since I am an existing customer not working. Online support/chat more than useless. Now tried to use online complaint form and it tells me that my email is invalid. This is breathtakingly incompetent.


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Worst bank I have ever dealt with - STAY AWAY FROM THEM! I have been a premier customer for 7 years and if I had a choice, I would give this bank a fat 0. They are a complete bunch of incompetent clowns and thieves. HSBC customer services is worse than useless, they obviously do not know what they are doing. I finally was going down to the branch in Nice to close my account. I was told it will be closed, but I can see that they finally refused. Moreover, they charge 15 euros each month for NOTHING and even charged me 8 euro, but for what? HSBC took money out of my account dishonestly. STAY AWAY!


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I made a mistake twice and joined HSBC for the second time after 5 years, purely deceived by their offers on cashback on transactions etc. But please don't fall for this little incentive as the headache dealing with this bank does not worth the hassle and the offer, believe me:


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After depositing a mobile check, without notice, without reason and without indication HSBC US blocked my account access. My Money and I cannot access it. Customer service keeps on repeating scripted texts. HORRIBLE HORRIBLE HORRIBLE Banking practices. I have never seen a worst bank like HSBC. I had to pay my rent and I couldn't, I had to pay my fees, but I couldn't. What if I was on road, what if I had to undergo surgery, what if I meet with an accident. 


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HSBC hold my wire transfer for more than one month. When I asked them any reasons they don't respond my question. Never see this on another bank. Not a professional services. Very disappoint. Never use this bank again.


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It’s great when you can transact with the same bank in different countries however the international money transfer fees are just so high and the minimum balance requirements at times are a huge hindrance in Covid times when there’s more cash outflow than inflow.


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I opened an HSBC Direct Savings account in early May. I transferred a substantial amount from another bank via a bank-to-bank wire transfer. The money was transferred from a joint account I shared with my husband into a sole ownership HSBC account. I looked at the account from the bank I transferred the funds and I saw it was debited. It was also credited to the HSBC account. Last week I got an email that froze my account because of irregularities in account holders. I tried to log into my HSBC internet banking account but it was frozen. That is where the nightmare started. I called and was transferred to a call center I think in India. Then I spent a long time for identity verification and then proceeded to resolve the problem. I was put on hold and I patiently waited for over 30 minutes listening to the music. Frustrated I hung up and called again.


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Hsbc bank is the most unorganized bank I have ever dealt with. For weeks we have tried to access the account, then another 3 weeks to close the account. All we wanted to do was verify the account so we could use the online site. They weren't able to help us to that. Constantly forwarded to different customer service representatives for days and days because no one could help us and it felt like they couldn't even give us any information about our account. So many hours wasted on their part and of our time. I feel sorry for anyone that opens up an account with HSBC.


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I gave a second chance to HSBC 2 months ago after a bad experience 5 years ago. 2 months ago, I opened a bank account, I have no access to online banking. I can’t check my balance or make transfer to hsbc France, or do anything. I called maybe 10 times, Stayed hours on the phone, with promises to call me back ... Nothing... I spent an hour and half in the branch. Still nothing. I can’t use my bank account at all. I can’t access my online statement, I can use bill pay, I can’t use my money.


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Customer support staff are repeatedly arrogant, unhelpful, restrictive over many years without improvement. Cannot be recommended to get entangled with longer term. Comparatively, very poor security filtering, resolution, brand loyalty, QOS. Still have a blocked joint account 8 mths later with substantial funds after acrimonious split then HSBC highlight all transactions as atypical (because I had to switch accounts but staff can never comprehend, because they are sub-contracted and care nothing for preservation of brand loyalty). HSBC can be fully expected to collapse without warning.


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Online and mobile banking locked, just cannot get through on the telephone, branch is only open in Wigan 10-2 Monday to Friday so you are suppose to take annual leave just to get a bank statement and have access opened for your bank account, not good at all.


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This is hands down the worst experience with a bank I've ever had. They blocked my account over a week ago and refuse to allow me to access the $30k that I have deposited in their bank. I made a mobile deposit from my credit union and the fraud dept flagged because it's a credit union. They continue to block any access to my account and will not allow me to withdraw my money or close the account. Please don't do business with this bank unless you want them using your money for their personal gain. They are extremely dishonest and irresponsible with "your" money.


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We did 2 international transactions, 1 within 2 HSBC accounts. They both took more than 3 months to complete, not something you want in online banking. Eventually, I had to make the transfer at a physical bank. The online banking platform, at least in Indonesia, is not very user friendly and contains hiccups. It's not possible to search for a specific transaction in your e-statements so you have to sift through all transactions that month. Additionally, when looking back at e-statements, after opening 4 statements, I only get pop-ups with gibberish. This continues after signing out and in again.


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I was scammed for a jewelry purchase in October for 4100.00 and they refuse to help as it is fake jewelry and they ask me to put out more money and get appraisal on the pieces. HSBC needs to help their customers


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6 months after opening a new account and meeting all criteria for a bonus offer of $750, they said I didn't use the correct promotional landing page originally. #deceptivepractice, #falseadvertising I even confirmed that I met the criteria throughout the waiting period, and did direct deposits and kept minimum balance, etc. No way I can prove the landing page I used 6 months prior.


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Their website was not working for me for most of today and so I called them on the phone. The quality of the voice was so bad that I could barely understand them. These are very simple things and if you can't make those work reliably then I'm afraid you need new people in charge.


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I have opened a Premier account with the HSBC France. After going through whole bunch of document verification's I have received a letter of confirmation from the account opening department regarding my online banking secret code and user name which will be mailed in 15 days and my bank manager will be contacting with me as a new premier customer to discuss the banking information etc. BOY A BOY! No online banking login information and no call from the bank manager! 


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I waited for 3 hours in the bank to cancel my account. When it finally was my turn they refused to cancel my account despite me having all the documents needed to cancel. When I asked them to show me where in the contract it says I'm not allowed to cancel my account and what documents were missing I was told it was my problem to figure it out. Horrible service and horrible attitude overall. Avoid doing business with them!


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I paid off my debt on September 2019 and close account as request. They told me it is close, but month later they set the bill with the charge. I call back and they said it's the interest charge. I paid it and they still send the bill on the month after. I came to HSBC bank branch. After while they said it's close and ok. Month later they keep sending bill to me. That's a scam bank and people work in there not nice either. Get away with this. Also I figure out this bank come from Hongkong. Id that the way as Chinese try to cheat us? I will file complaint to US government to see what happen.


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Every time I call customer service I get someone in India. I can't understand them as they talk too fast and English is not their first language. Looking online to make a complaint, there are telephone numbers listed (someone else said they are not operational) but no place to email. Eventually I found a link called 'Customer Feedback'. Clicking on that I was then routed to a page on Questions and Answers. I am just going to stop using the card. Save yourself the hassle and don't respond to their many snail mail solicitations for a 'Preapproved" credit card.


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I opened a CD for 10,000 dollars on Jan. 9 2019. Closed the account 1 year later. They were suppose to Fed Ex my check and receive it in 8 to 10 days. After 12 days I called HSBC bank. They informed me that I would receive the check on Jan. 28. It never arrive. I again called HSBC bank. It was never sent. Now I received a tracking number. I called fed it to verify and it has not been picked up yet. If fed ex picks it up today, I will receive it on Jan. 30. Should I hold my breath???


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Did not notice an opportunity to establish a "payable on death" account when opening the "HSBC Direct Savings account." Called HSBC and was told it is not available with that account. They suggested going to a local branch to see if they'll let me open another HSBC account. The reps thought was they might then let me extend the payable on death to the online account. That sounds dubious. HSBC also takes 3 business days to transfer money to another bank. One of my banks takes one business day.


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HSBC offers extravagant incentives to open an account and then just jerks you around and doesn't pay. TOTAL waste of many hours of my life and the customer service is AWFUL. They will take your money and not live up to their end of the offer. STAY AWAY and don't waste your time!


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HSBC has the absolute worst Customer Service in the WORLD! I only opened an account here because they were offering $400 to open a new account with Direct Deposit and man am I sorry. I literally get declined every time I try to use more than 1000.00 and have to call them every time! And Customer Service takes forever to do anything. I am closing my account TODAY, I've had it. And BTW, their App and online banking is terrible as well. AVOID AT ALL COSTS.


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HSBC's phone application(s) and the online website are just confusing and is by far the most difficult and worst online banking I have come across. I bank with more than five institutions and this one has by far been the worst experience. I would consider myself to be someone with technical experience. Phone support was very nice but besides the successful reset of my login due to a "Generate Code" not working, EZ pay (auto pay) wasn't able to be completed, my payment date modification was not able to be met. Their online banking needs to be reevaluated immediately. I would have rather paid the extra .50% APR with a different institution knowing the inconvenience of their software.


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HSBC bank has been the worst service I have ever heard of as far as international transfers go. Using our money the transfer is still not complete. I sent the money electronically on the 16th October and today is the 8th November and still has not arrived. It would have been cheaper to fly to the bank, get a check and fly back and wait 6 days for it to clear. You should never use this bank for your own safety and well being. Good riddance to this bank.


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I must be an idiot for not reading this reviews and choosing HSBC's online savings solely based on their reputation as one of the premier global institution. What a fool I am. Truly, I blame myself for being an idiot way more than I blame HSBC, because the reviews were all out here. I decided to go with them over smaller regional banks that offered a more competitive return. 


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I am a software engineer that work for banks and built different online banking systems. HSBC online banking/app engineers/product managers/designers should be ashamed of themselves. It is the worst! Login is a headache. To setup your account you need to go to a legacy system that has a different User interface, if you see it for the first time you would think that this is a scam the website is hacked! You can do none of this with the mobile app! Similar goes to setting up automated payments. I called them, and they told me they will send me a form! A paper form to setup automatic payments! The representative herself did not suggest helping me to set it up online! They started charging me for late fees!! I never missed a payment with 8 different banks!


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I wish I had done more research prior to opening a premier account with HSBC. I like many others on here was lured into opening my account due to the $750 bonus promise. I went through the arduous process of opening my account figuring that it was just good policy to fraud screen. I was approved and had my initial deposit of $100 transferred from my Capital One 360 account. Then comes the nightmare.


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This will be long, but please read so you avoid the psychiatric hospital bills this ** b.s. bank has made me incur. My head is still spinning over the twilight zone that HSBC will put you into. I received a letter from HSBC with a pre-approval. Not pre-qualified. Pre-approved. I'm between jobs and my daughter has very expensive medical bills, not all of which are covered by insurance. She has cancer, and that $5,000 could come in handy, so I completed the identifying info requested and VOILA! I was told I would receive an email when the card was on the way. 


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I just recently opened a savings online only account with BANK HSBC. This was based on top recommendations for best accounts on a website. To begin the first week I opened the account. They blocked access to it because I logged in from another location. I mentioned I use a VPN for all my online banking. They asked if I was calling from a US phone number and I was like what kind of question is that if you can see my phone number. They released the block on that.


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I applied for the online savings account because of their high rates. My initial application was immediately declined because my credit was frozen. I thawed my credit report and applied again. On the application I gave my traditional copper wire LANDLINE phone number as my home phone number. During the application, I authorized an initial deposit of $1.00. I was contacted several times for additional information. Each time I called them they wanted to send me a text message with a security code. As an alternative, they could leave the code on my voice mail. They could not send this to a phone number that was not on the application. They allowed alternative means of identification by having me answer questions about my application or my credit report during these calls. 


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If there's negative star I'll give negative star. First of all, I just opened a premier checking account to receive my paycheck. Since then, every interaction with HSBC is difficult. Then comes the day I tried to linked HSBC as an external account to my other checking account. The verification process triggered a security warning on HSBC's side. I was contacted by phone by HSBC to run a virus scan. They required me to send over a screenshot to unfreeze the account.


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HSBC makes every user interaction as difficult and cumbersome as possible. Buying a home was a simpler process than setting up my US and UK accounts with this bank and ultimately required me to physically go to another state to sign a document. This initial experience was representative of every other interaction I had with the bank until I closed it today (also a nightmare). Logging into your account online requires: user name, password, child's middle name, opening their mobile app, 2 mobile clicks, and entering another generated code into the online experience. WHY DOES EVERY INTERACTION WITH YOUR BANK HAVE TO BE THE WORST! When you talk to the support team online, prepare to answer 6 levels of security EACH TIME THEY TRANSFER YOU (and they transfer you a lot). Bottom line, this bank disappointed me at every opportunity. I have worked with 6 other banks, and this is easily the worst one I have ever dealt with. AVOID!


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My Real Estate Clients applied for a mortgage at this bank. HSBC Christal **, Elizabeth ** had 31 days to do an Easy loan with big downpayment - and only! 1 day before the closing date they said that loan is not ready. Before that they ignored all emails from RE companies and clients. Christal wrote she was on vacation for 2 weeks, and they have no idea when they would close the loan. It was such a big and costly mistake to do home mortgage with HSBC.


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I applied for their online savings since they have the highest APY. Filled in the application, went through the credit check and the sourcing bank checks, etc... Then after 4 days I got a call from their fraud protection to provide them my driver's license. Then still after 2 days no response. I have opened similar accounts with online US based banks and everything has completed within one day. These turkeys act like you are at their mercy and they wanna take a month to approve your application... Then I read all these horror stories online and decided to withdraw my application. 


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I was looking online for a bank that has no fees and pays a good interest rate. I came across HSBC and it looked great. I opened an account online and transferred some savings from my Capital One 360 account. All fine and good. Then I got my weekly check in the mail and decided to deposit it in my HSBC account. No problems there. But then the next day, I went to log on to my account to see if the check had been deposited, but I couldn't log in. It said my credentials were suspended so I called the 800 number to find out what happened. Long story short, after a 20 minute phone call, their company policy is to suspend your account for 5 days when you deposit a check in order for the check to clear and they couldn't give me a reason why.. just that it's their company policy... That makes no sense! This bank is the worst!


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I recently opened a new credit card with HSBC. This is my first experience with HSBC. I used checks they provided to transfer balances from other credit cards. Even though I used checks that they sent to my home address to transfer funds from one of my accounts to another one of my accounts, this still apparently triggered a fraud alert. Their fraud prevention department called and left me a message with instructions for a number to call and nine digit number to reference. I returned the call. They put me on hold for 15 minutes and then hung up on me before anyone answered the call. They then apparently put my account on hold so I could not use my card.


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They offer a bonus for keeping money in account for 90 days and then when you try to collect they say you have to wait another eight weeks. Fraud and terrible dishonest customer service. Save your money and go to a good bank like CIT, Synchrony, etc.


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I am manoj **, I opened business bank account with HSBC for my new business content proficiency in November,2018. As i do charge online through the website and the most use of the HSBC account was to transfer money from PayPal and Stripe to the bank account through which customer pays us online through website. Only Few native clients were provided account of HSBC to put the money for the business content writing services, It would be not more than the 3% of the total business. It means that only 3%-5% customers paid directly to the HSBC account and rest I was transferring money from PayPal and Stripe to HSBC. 90% of our customers pay via PayPal and 5% to 8% on stripe.


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They say if you open a new account, you'll receive a bonus. I've been waiting past the maximum time and even after several calls to customer service, they tell me someone will reach back out and I never hear from them again after 2 weeks.


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DO NOT OPEN ACCOUNT HERE: On July 4th I received a text message that a fraudulent charge tried to post to my account from H&M 0291 for $195.55. I responded to the text message that the charge was not me. A few minutes later I was contacted by a representative that asked the same question. I told him as well that the charge was not me. The rep asked what was the last charge I made. I told him a $20 purchase to Sec a company that I pay on a regular basis. He took my information and stated that I would get a new card and fraud form to complete for the $195.55. I received the form and the charge for $20 was listed as fraud instead with no mention of the $195.55 (I assume because the charge was declined) so I actually should not have gotten a form in my opinion since the charge never went through.


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I would give them 0 stars, but unfortunately that’s not an option. This bank has no place in Canada and for good reason. I was in the midst of switching all my accounts over but quickly came to the realization that this was a bad idea. Their customer service is horrendous! Don’t try making an appointment at your branch or any branch for that matter because there’s no way to call the branch. Let that sink in for a moment...basically the only way to make appointments with them is to physically walk into a branch and hope they won’t be busy. Luckily both times I walked in to a branch they were practically empty which in itself speaks volumes in terms of their retail banking market share.


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Purchased 2 motorcycles with son about 15 years ago. HSBC Nevada financed. Son missed SOME payments and I completely paid off 13 years ago. Never received title nor lien release letters. I sent required documents 2 years ago and still never received requested releases. Spent an hour trying to get someone to assist. Multiple calls yielded one person who gave me 2 numbers which ring unanswered. WILL NEVER BUY ANY PRODUCT THAT USES HSBC FINANCING AGAIN.


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Just opened an account in California at one of LA Branch and in four months I got nothing but trouble. At every few thousands dollars wire and transaction they freeze my account to verify the transaction for any potential fraud. I have an active site online and I always buys items from China. I learnt lately that this bank was under world wide investigation for money laundering. Best treatment for this bank is to to sue them for large amount for damaging my business.


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I applied twice for a credit card with 0% interest for 18 months.. Both times, I got an email back saying the application process wasn't complete and that I needed to call them. In both cases, they said there was a mistake in my application. I disregarded the first email and was told later that my application was withdrawn because I didn't respond. I reapplied a few months later because the 0% for 18 months was good, The second time I received a call while I was driving asking for personal information. I asked them to email me because I was driving. They sent me an email and I called them. I took the lady about 10 tries to be able to verify the code they sent me. 


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HSBC France (the intermediary) slower than a tortoise. It’s been 20 days. They are not able to clear the telegraphic transaction. Neither they are able to return the money. I made the TT from Hong Kong to Indonesia on 2nd July, the intermediary (HSBC France) came with questions on 10th. They took so long to send cable to HK? How intelligent. All their question were replied with evidences, evidences verifiable online, and also in search engines. Despite this, they are not able to release the funds, and neither return the funds back.. Not amused with this service.


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I needed to refinance my condo unit. I approached HSBC mortgage department by phone. They advised me to send them certain documents related to income, income tax returns, notice of assessment from Tax department (CRA), job letter, T4, T5 and old age and pension related documents. I sent all the documents. After a week we were (myself and my wife) called given an appointment after another week for phone conversation.The Customer Service Representative (CSR) was very unprofessional. The questions he was asking me indicated that he had not read any thing from my documents. To answer his questions I would tell him to look for that in the document I provided. Every time his answer was that he did not have time to read my documents. I spent about 90 minutes with him. I reminded him several times that he should have studied my documents before calling me. 


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I opened a premier checking account lured by their generous opening bonus offer. Only a few days later, I deposited two checks, one from my neighbor and the other from my flexible spending account. They freezed my whole account out of a sudden and I had to call the customer service. They were not helpful either. Instead of unfreezing my account, they kept saying that they have to review the deposit and it may take up to 5 business days. For the meantime, I would need to just wait.


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I recently switched banks because HSBC has one of the lowest yields among other banks. In order to do that, I had to roll out all my funds before I closed down my accounts. In the process, I'm more assured everyday that I made the right choice leaving this bank. At first, it was an ordeal to roll over the funds from my IRA account to my 401(K) plan under my current employer. I called and was told that their computers didn't allow them to enter certain format in the address field on my application. So I had to go to the branch near me and the "Senior Director" of customer relations had no idea what she was doing. She had to call her colleague in front of me to ask her what to do, which is, simply taking my filled out application in written form and processing it....


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I opened HSBC Advance Checking account in November 2018 through HSBC promotion published on their website (they are still running it as of today) - $350 welcome bonus when you deposit $10,000 within a month and keep it for 90 days. I've posted $10,000 per the promo rules, followed up many times with HSBC customer service on the promotion conditions. They advised me welcome bonus would be posted in May 2019. But in May, new story emerged - no bonus! They claimed I did not open the account through their promotional web page, which is absolutely not true! I've spent hours on the phone with Customer service, several times different managers promised me to resolve the situation and offered to call me back in 2-3 days - no calls, everyone of them disappeared! HSBC is unprofessional, full of lies, scummy practices. Stay away, don't buy their lies.


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Decided to take their seemingly generous offer of cash ($850) to open an account, so I did. Was told that my money would also earn over 2% interest while sitting there. Opening the account was overly cumbersome but I muddled through it. I deal with many banks and have a lot of experience with banks, the HSBC process was not normal. After finally jumping through the many hoops I find that the account basically earns no interest. 


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It's been over 8 years I'm an HSBC customer in 4 countries around the world, their service is always been pretty much good, but lately I was dealing with my International Relationship Manager from HSBC France and it's been a terrible experience. First of all, completely unexpected he has sent me an email notifying that my account in France has been blocked because showing inactive status (I live abroad since 8 years) and I  had to provide a lot of documents (also tax declaration) to reactivate it. Starting from the principle that I receive yearly notification from HSBC with such a request and I always fulfill it, this time I found this way very brutal and no respectful. Is it necessary to block my account? 


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I have been a fan of HSBC’s excellent customer service and appreciate the ease of doing business with you all. However, I recently found out that HSBC reported a late payment on my credit reports. This late payment (August 2018) was the result of the technical glitch of the EZ Pay System. I hope you can help me remove this late payment mark on my credit reports. Here’s what happened: When I volunteered in Egypt last summer (May-Sept 2018), I applied for a HSBC credit card because of its presence in Egypt and beyond. Before I volunteered in Egypt, I called HSBC to place a travel alert and inquire about steps I need to take to set up automatic payments. I was worried because I might not have access to internet. 


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This is by far the worst bank I have ever used. They are running a scam. They do not honor their signup bonus. Repeatedly find different tricks to put more money in your account but makes it incredibly difficult for you to access. None of their customer service reps are qualified. They tell you something different each and every time you try and get on the phone with them. It takes a while to even get a human on the phone. They often put you on hold then just hang up. The reps will reassure you your complaints are being noted and filed. However, when you contact them back because an issue was never resolved they never seem to have any issues on the subject. Ive tried filing 2 formal complaints only to find out after spending hours on the phone they never processed it or have any records.... They treat their customer like with minimal respect. They basically refuse to provide any support. You may find more success in talking to a wall.


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Very poor customer service on their credit card dispute department. I've had a dispute going for 4 months and they still have not credited me back even though I supplied tracking numbers for the product being returned. When I called them I had to hold over 30 minutes and then had to hang up. Called again and as of now I have been on hold for 63 minutes. To top if off I get the same message every 10 seconds saying "we are sorry, all our reps are busy assisting other clients. Please hold the line as we value your call." Did you ever think you should hire more people to answer the phones? Is my time so unvaluable that I have to sit on hold for an hour? The dispute amount is not even worth my time, I will never use my HSBC credit card again!


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I opened an account because the in store Rep told me there were no international ATM fees. It turns out there are. Their mobile app is amateurish at best. I received a call from HSBC indicating I had opened a Lexus Credit Card, which I did not. I went to the HSBC website to find out who I needed to contact for suspected fraud. The website says to call the number on the back of my card. I did that and followed the appropriate prompts. The Security Rep over the phone immediately told me I needed to hang up and call another number. I asked to speak to a Supervisor and was hung up on. The single worst bank I have ever dealt with. Never again! Buyer beware!


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Saw my local branch was offering a $750 cash bonus for opening an account with $75,000 balance. So saw relationship manager that told me I needed to go online to get an account number and once received he would open an account for me. I received approval and account number. Went into branch and was told I needed to open both a checking and savings account and didn't need to fund the checking account and could put the $75,000 into savings. 4 weeks later the bank closed my checking account because it had no transactions. I didn't get my bonus because to qualify you need both a savings and checking account. 


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When I received HSBC promotion via mail, I deposited $10000 at HSBC branch office on September 24, 2018. After six months, which was March 24, 2019, I went to the branch office and wanted to get out my deposit money together with the promised $400 bonus. However, I was told there was NO BONUS for me in their system. I went to the office on April 11, April 15, Joyce told me that I should get the $400 promotion and it was processed by Jasmine, the person who processed my deposit on September 24, 2018, but someone "back in the office" didn't process it. She promised that they should get back to me within two weeks. She promised to let Jasmine get back to me on April 16 when J was in.


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I opened a savings and checking account with HSBC because of the bonus that they paid. I went into the branch in Ft. Lauderdale, Fl. and spoke to Mayra ** at that branch. We talked about opening several accounts. She was very pleasant, and we figured we had a winner with the brand and the manager. We were wrong. I have had my account now for over a month and still don't have access to my funds. I can't get into my account. Every time I call her she is too busy to answer the phone. I leave a message but she does not call you back. If I get in touch with her and she says she will send you some info she does not.


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I initiated a balance transfer on-line from HSBC to Capital One on Feb. 24th, 2019 for $3,500.00. Two weeks passed and the monies were not in my checking account. I called HSBC to cancel the transaction. Although I called, a check was sent to Capital One. According to Capital One they never received such check. I am being billed for $3,500.00 which I never received. I have made numerous phone calls to HSBC, in addition to providing evidence from Capital One that indicates that the monies were not deposited into my account, but the issue has not been resolved. I went in person to the HSBC Bank and the teller suggested that they put a stop payment on the check or try to track down the of the check. I am being billed for a balance transfer that never went through and being held responsible for locating the check.


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I tried to open both a savings account and checking account to qualify for a $750 bonus on April 12, 2019. They opened the savings account and took the money from my funding bank in just a few days. Getting the checking account was another matter. It is now 4 weeks later, they have had my money for a month, and I have not qualified for the bonus. I have received yet another request for more information. This is about the 5th one. They have gone through the 'online account opening dept', the 'fraud department' and any other department to not open my account. I believe this is just a scam offer of $750 to get your money and never pay the bonus. 


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I made it a wire transfer for over $200,000 as part of my divorce settlement from the Vienna VA branch of HSBC to United Bank in Fairfax VA. After confirming all the wire details the wire was made and then I called my ex to see if she had received the funds on her and she said she had not. Talk to the branch manager and he said that sometimes it takes up to three hours which I found strange. Because I was a Premier Bank in member and my balance was now Only had a few hundred dollars left in the bank it manager told me I would need might want to close my account because I would incur a $50 monthly fee, so I closed my account. I called back the bank later that afternoon and the wire still had not been made so I called HSBC headquarters.


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I opened a checking account online at HSBC USA. To finalize the account opening 2 trial deposits were to be completed. Due to some technical error these failed. In 3 emails I was prompted to submit a check to HSBC USA. And in an online chat it was confirmed that I may send a check for deposit. So I purchased a cashier's check and was just about to send it off, when I received another email from HSBC informing me that further information is needed to open the account. I was told that the emails prompting to send a check were send in error and the employee should not have given me the information. What an incompetent, deceitful lot!


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I opened the account to transfer a balance from another card. You can't sign up for an online profile until you receive THREE SEPARATE VERIFICATION CODES, all which come in different forms (e-mail/text/mail) ALONG WITH receiving your card. I only received 1 of these 4 things in a 2-week timespan. I called every other day asking where my card was, told it'd take 5-6 days, then again 7-10 days (every person had a different answer). I finally got them to make me an online account so I can start the balance transfer. 


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I'll spare you the whole story but I have been trying to update my account details on a Serious Saver account with HSBC and the process has taken about 3 weeks now with hours of time on the phone. I was handed around from person to person. They promised callbacks that never eventuated. I have probably spoken to 7 or more different representatives from their phone customer service now to try and sort my issue. They tell me "another department" has to sort the issue but this "other department" can't be contacted via phone, only email. That is a travesty in my opinion (and sub-par) and has caused me to waste my own time trying to sort this whole issue out. Staff are great, don't get me wrong but there's a underlying sickness in the organisation that needs to be fixed in their process and communication channels otherwise they will continue to have disempowered customer service staff.


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On a recent trip to Mexico City, I used my credit card at an ATM inside an HSBC bank to acquire pesos. The ATM issued one 500 peso bank note and two 200 peso bank notes that were counterfeit. The bank refused to provide good notes and refused to return the counterfeit bank notes. The question is whether those counterfeit bank notes were put back into the same ATM to scam another customer?


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I applied on 4/5/2019, took their initial offer due to 0% for 18mos, then I after I applied I opted out of promotional offers that did soft credit pulls on me. So then I get a email stating they mailed out my card so when I didn’t receive it just yet I called them on a Saturday early morning being told that I then needed to contact their security department after being on hold for over an hour. The representative was of NO HELP! She then transferred me to the security department which was then closed only open m-f 8am to like 11 ET. So then come today (Monday) was on the phone ☎️ with them for a very long hold time. 


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I used a special HSBC online link that was required to get a $350 bonus on a $10,000 checking deposit, which would be credited about 5 months after making the deposit. Everything went as-expected to do the online setup, up thru the point I had entered the funding bank account info, then it went awry. The next screen asked a yes or no question, but missing from the page was the Continue button. I clicked the Chat button, but the person was unable to help advance my application. In the meantime, the application timed-out. 


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This is for your own sanity: Do not open a bank account at HSBC Mexico. I opened it at Cabo San Lucas; however the most unfriendly people are working at San Jose del Cabo Mexico. Completely rude, lazy and difficult. Not only does HSBC make it complicated to open a bank account and get FULL ACCESS to online banking BUT they add more complexity like a "token" and "secure key" for 'more security.' Don't get me wrong. I'm for security but this is nonsense. YES, I am aware that they were sued for their unethical criminal participation in 'money laundering' but again these employees they've hired are incompetent and do not want to work and help out.


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I have had bad experience after bad experience with HSBC. Long wait times, unhelpful staff, and minimal information from the company. Most recently, I spent 50 minutes jumping through hoops on a phone call in order to upgrade my advanced account to a premier account. After going through all manner of documentation and verification they then very hastily said: "Well, there is an internal check that says we will not be able to upgrade you today..." and then proceeded to ask if they could describe all of their other account types available. No explanation, no information about what I would need to be able to do in order to open account. Just a blunt statement - "Sorry, it is an internal check and we are not allowed to go into detail..." What a sham. This is not the first time I have spent an hour with this company to be turned away entirely without being served and with no information. Thanks HSBC.


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HSBC is a sneaky and unconscionable, Would have given zero points if I could because this is a shady bank that will NOT reflect a recent payment of $2084.57 made to the credit card total balance even though the payment has been cleared on the external checking account used! According to their useless rep it will take 10 days just for the payment to reflect on my credit card balance! This is not common with other American banks, I will never deal with them again and NEITHER should you!


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Every transaction or operation with this bank requires you to jump through unnecessary hoops and experience frustrating delays. My account was in hibernation due to inactivity, so I go to the branch to unlock it. Even though I was there in person at my branch, they could not unlock my account, and needed to submit a request for head office to do it... Which would take two to three weeks!


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I signed up for this the HSBC cash rewards credit card originally because I was traveling abroad and it didn't have foreign transaction fees. I also understood that it had 0% interest for 12 months but later found out that this was ONLY on balance transfers. I had racked up $200 worth in points but without notice they closed my account without my permission because my automatic payment was not made due to a typo! I was able to book an airline ticket with those points only to find out they had shut down my account. I had tried calling them but they didn't call me back in time before ending things. They were unable to reopen my account and it really took a blow to my credit score. Their customer service was an absolute joke! I will never ever use HSBC again! Horrific and most stressful experience imaginable! I am a good customer with an excellent credit score. Sorry to see that they lost a good customer for life. They need to get their ** together!


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I have been trying for 6 years to close an account opened in France prior to moving to the US. I never have the proper document, they are charging us fees for credit card we never received for this account that we absolutely never used. Those people are con artists, do not use them. We had enough and we're about to sue.


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I've been a victim of a huge fraud syndicate who uses HSBC as their bank. This means that HSBC harbor criminals/fraudsters as surely before a person opens up a bank account, the bank HSBC, must do a background check on so called person! I've paid $3200 into HSBC Walnut branch account in February from South Africa whereas only after funds left, I realized I got scammed. Since then, my bank and I tried numerous times to contact HSBC as to reverse my funds. Today is 15 March 19, and we are yet to receive any feedback from HSBC US. This means that HSBC as well as these criminals are working together to steal peoples funds. There's no e-mail contact anywhere. How do they expect a person from SA to contact them? I send e mail to the UK, and all they could say was that they don't work with fraud and can't help. HSBC YOU ARE USELESS AND YOU HELP STOLE MY FUNDS AS YOU HARBOR CRIMINALS.


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DO NOT BUY INTO THIS BANK!!!! IT IS A SCAM!!!! I received a mailer with the bonus $375 offer. In order to get the offer, please read the fine print and do everything!!! 1. Take the mailer in person to the branch. Open the Checking Advance account with $10,000. You will go through a very long "verification" process. 2. Keep the funds in the checking account for 90 days or, if you really want to maximize this, open the online savings at home for the online rate of 2.22%. 3. In a total of 5 months, you will receive the bank bonus of $375.


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In Sept. of 2018, I took an advantage of an offer from HSBC in which I would be entitled to a $350 bonus offer if I deposited and maintained a balance of $10,000 for 90 days. I followed the rules immediately and completely. As of today 3/12/18, I closed my account with a balance of $10,000 and 45 CENTS. I spoke to reps on the phones numerous times in the last week battling to get my bonus offer. Their reasoning was that I did not open the account properly online, so they disapproved the offer. My money basically sat in their bank for 6 months to collect 45 CENTS in interest. WOW!! I was robbed of the $350 bonus offer!!! WARNING!!! DO NOT DO BUSINESS with HSBC BANK!!! They will not follow through with their offers!


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I already have a checking account with them so I thought it would be easy to open a direct savings account also. Wasted so much time. Every helper said different things. After trying 10 times someone at the bank suggested I use a driving license from 5 years ago in NY. At that point I gave up. I am a USA citizen and live in AZ and have my own business and make 500K a year. This is not a bank.


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I am an expat. I live in Australia and have HSBC accounts in both countries. HSBC UK have frozen my accounts (which still have funds in them). After spending hours on the phone to them several evenings in the last week they will still not unfreeze them. Their red tape is wrapped up in red tape. The advisors are not knowledgeable enough to suggest anything that may help resolve the simple issues. The solutions suggested fall upon deaf ears and a lack of interest to help elsewhere. Truly awful customer experience and desire to help people displayed by this institution.


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These morons place a fraud alert on my card on a Friday. Immediately I called customer service and the first moron tells me I have to call Monday to Friday as their fraud dept is closed now and also on on Sat/Sun. I tried chat with moron #2 in India - same scripted call. I called them on Monday at 5.10 pm and the third moron tells me to call between 9 am and 5 pm. I called 8.20 am Tuesday morning and waste time with 3 more morons - just to close my account. Finally after 45 minutes they say OK ACCOUNT IS CLOSED. You may think PHEW! PROBLEM SOLVED! WAIT NOT SO FAST. 5 days later they send me a new credit card - which I will not activate. My question is - who is the idiot running this bank? How is it possible so many idiots in one place?


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Are you kidding me??? They have my private information??? Where DID they get it??? Not from me??? Phoning me day and night with salespeople speaking Chinese?? I am in Canada in my private home and I have intruders calling me that are calling themselves "a bank"??? This is not a reputable bank. They have stolen my information from me through scammers. Invaded my privacy!!! If I want your credit card I can apply and after this giant violation of trust...not a chance!!! Not now... Not later... Not ever!!!


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In short; My card was no longer working after having it only about a month and a half. I contacted HSBC via their Live Chat. I was told at least twice that the card and account were fine and the account was in good standing. I figured the issue must be that I hadn't setup the online access yet so I informed the agent on Live Chat that I would do that right away and I did. To my surprise no account info showed up after I went through the long and repetitive setup process. Nothing about my credit card was there. Literally two days later my statement shows up in the mail and states that my card was closed and past due by over thirty days. I was shocked. 


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It sums it up to the bank is a scam. Steals your money if you don’t pay attention to your account. I deposit my check into my account on Friday 15th 2019. Back on December someone used my card to get a hotel. I contacted the bank to notify them about the change on my account. They close the card and send me another one in like 5-6 days. They gave me a credit for the 155.68. Now on February 15th they took back from my account. To top it off I never got my check money I deposited in my account. I’m so frustrated with this bank.


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A female named Pinky from Bangalore it seems. I can't believe such stupid dumb females are working with HSBC call center UK. There's a confusion about my card number and suddenly she is saying about herself like am Pinky and from Bangalore. Why the ** should I know about her birthplace? She should be solving my problem. I hope she comes out of her mental illness soon. Illiterate **.


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Only way to contact them is phone or online customer service, or visit branch. Customer service is a joke. Okay to use call center in India but damn, someone should train them first. If their only solution is to visit branch and nearest branch is 10 hours away you have a problem. Tried dealing with them for two days, part of my life I will never get back, along with the $50 paid to my bank to stop their stupidity...


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Opened an account online and I was planning to deposit $20,000 in a savings account. I am a current customer with an active credit card. After 3 days of email verification, completing ACH transaction verification, it took them 4 days to send me an email asking me to call them. On the phone they asked me to send copy of my ID and proof of address. I have been at that address for 25 years and the same address is on an existing account with them. I understand protocols to combat ID theft, but this was absurd policy for an existing customer with the exact same info. They gave me a credit card without any verification and now they ask for verification when I am putting money in that bank. Also they don't accept Driver's License as the proof of address. I have opened account online which was completed in minutes. All I can say is "Stupid" management. I apologize for the language but it is the fact.


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OMG! I thought I was the only one having so many issues with this bank, they are just no good for any business. I saw a lot of branches in Hongkong and found out that they are everywhere in China, I import from China and Korea to the United States and even though there are no branches near my house or businesses I decided to open one business account in Tyson's corner Virginia, I filled out forms and been told that it takes some days to open it, I said I open a lot of business accounts in the past and it took only 30 to 50 minutes to do it, but I agreed. 


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I opened a business savings account based on interest rates. I was personally visited by a HSBC representative to complete a multi page application which took 2 days complete. This was odd and should have been a clear indication there will likely be a problem. I was unable to gain access online until I received a pod that I needed to receive an access code. Without having the pod, I was unable to gain access to my account. Deposits could only be made by check or wire; not by funds transfer. I am still awaiting my 1099 which apparently takes several weeks to generate and must be mailed. This bank seems unaware of US law. After 2 months of the agony, I closed the account which must be done at one of their branches and took over 1 hour to complete. I presume similar experience for personal accounts since there was someone at the bank at the same time I was present closing her account. DO NOT use this bank.


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I have been locked out of my HSBC Checking account for almost as long as I have it (a little over 3 months). Cannot access it either online or at ATM. And cannot get help anywhere. I called at least 10 times to HSBC customer service. They say that they need to transfer me to HSBC fraud dept and every time after endless wait on the line I just hang up with nothing. I went to the Branch several times and they told me they cannot do anything without me talking to fraud dept. Gave me another number to call. The same result - no answer due to "unusually high call volume"... This is crazy! Who can help me with this nightmare? Btw, I found lots of reviews online with similar issues and complains about HSBC...


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I have had an HSBC account for almost 3 months. I was locked out and had money I needed to use and was unable to use that money. Since I couldn't get a hold of anyone at HSBC during my lockout, I called Wells Fargo (where the funds came from) and told them HSBC is a fraud and to cancel that transaction. This was at a time I needed that money immediately with an investment deal. 


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In October 2018, we received an offer to open an account with a balance of $10,000 and maintain the same amount for 90 days then you'll get a $400 cash bonus. After 90 days, I called and was told that the $400 will take about 8 weeks after the 90 days for me to get it. After reading many posts about the same problems, I'm thinking of taking my money and run instead of wait another 8 weeks. 


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Bank associate at Chinatown HSBC bank refused to open an account for because I look too fat in my DMV photo so I asked for the branch supervisor who asked me “why did you come here - you should go to the bank where you live”.


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Terrible bank. Avoid at all costs. They sent me an email flyer offering a $200 account bonus after depositing and maintaining a $1,500 balance. I met every term and condition, and they have continued to drag their feet without honoring the agreement for six months. I'll have to file a dispute with the CFPB and BBB likely, but the customer service and leadership at HSBC are the worst in all of banking. Do yourself a favor and run the other way.


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First, I was declined because they couldn't verify my identity. Then, they did and it took 3,000 thousand screens and 10,000 separate validations. I'm putting in 10K to get the 350 bonus and I am GONE. I thought of using them as my travel bank, but they really truly suck. God only knows if I can get back my 10K, much less the bonus, in 90 days.


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I accidentally applied for the HSBC Gold MasterCard instead of the HSBC Cash Rewards MasterCard and it took me forever to get a hold of them to cancel my Gold MasterCard account, and when I finally did, I was told the card would be taken off my account in a few days. It's been over a month and the dormant card is still sitting there. I didn't even get an email confirming they closed my account or anything. I only got the card because of the no foreign transaction fee. Their interface is SUPER un-user-friendly. It took me a good five minutes to figure out how to check my credit card account in the app and a good minute to figure out how to pay my bills online. 


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Worst customer service. Only they collect your personal information. Never make deal with them. It's nonsense. The bank checks your personal information even more than 2 mounts and try avoid to open your account, especially on-line.


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I opened my online HSBC bank account in mid-October. They approved my account and withdrew initial deposit from my another bank account to deposit in my HSBC account. After two days of opening the account, they blocked my account and I cannot withdraw or deposit in and out of the account now. First they told me to go to branch to verify myself, which I did, still blockage not lifted. Then they told me I will receive a check of my initial deposit at my home address but it's almost 3 months now and no check. My account is still open, blockage is still there and I cannot do anything to get my initial deposit back. IT IS JUST A BIG NIGHTMARE. They can not even tell me the reason they will not correct the situation. I have several other bank accounts with other prominent bank, but I have no problem like this. Just do not know what are my options now.


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I had the EXACT same situation like "Pam of Denver, CO" who reviewed them on Jan. 4, 2019. I got a new HSBC card recently. Activated it online and by phone, then tried to use it and I couldn't. I called "customer service" 12 times and spent on the phone about 3 hours. Results? NONE!!! I cannot name it customer service, because there is NONE. People who work for HSBC are in India, some of them were really rude. 


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I tried to buy an iPhone using my credit card and the transaction was decline. I call the customer service and they told me that my credit card was flag due to the high price item and my card is new. She told me I have to talk to security and fraud department. She transfer me to security and fraud department but this department deal only with stolen card. She transfer me to specialist security department which I been put on hold for a long while. I tried to wait one hours a day before I hang up and tried another day. I unable to call at night because they work until 5 pm Eastern time. It's been 3 days now. Hopefully I be lucky next time.


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I just got a new HSBC card. Activated it, then tried to use it and I couldn't. I called customer service and was put on hold for 2 hours!!! When I finally got someone I was told that a security hold was put on the card!! I was told the reason was there was fraud on my card??? I tried to go online and was told they couldn't help me! I called customer service again and was put on hold for another hour!!! I told the customer service rep that I wanted to close my account because your company said there was fraud on my card and I haven't even used the card. They told me sorry they can't help me. I would need to contact security and they have gone home. I have NEVER encountered a credit card company like this!!! They are AWFUL!!! I am closing my account and never using one of their cards!! I should have read all the really bad reviews online before applying for this card. No matter how good the offer is DON'T FALL FOR IT!!!


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I was attracted with all the bonus, this is one of the worst bank and 0-100 customers service rep. I bought a Money Order and deposit to my account, it was held for fraud, this has been on for weeks now. Don't bank with HSBC. Forget the bonus and run.


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I opened an advanced checking account with HSBC because of a $350 promotional offer. No amount of bonus has been worth the aggravation I've had with HSBC. I frequently shop for offers and open and close accounts regularly, without any problems. HSBC has been terrible. Just opening the account and then funding the account was not user friendly and took appx. one week. After my promotion ended I waited the 6-8 weeks for the bonus to post, which it never did. 


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I make monthly deposits for my sister at the HSBC Del Amo branch and daily deposits with other banks relating to work. This is the ONLY bank I go to that give me such awful service almost everytime. The tellers are lazy, work in a slow-motion manner, not friendly and compared to other tellers at other banks seem like they don't even know what they are doing. You never see the same teller either, which is a good thing I guess. Maybe HSBC should invest in some enthusiastic employees who actually like coming to work and dealing with people.


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For 2 months have had "block restriction on account". I live in Philippines; account is in Canada and it has $250,000; no access to funds. Numerous emails futile. Issue called "sensitive" by bank (I hear violins playing). Asked my lawyer to look into it. Logic dictates this is an internal bank problem. I believe HSBC is afraid of further collapse if funds are moved out. Enquiry into reason for restriction always gets a runaround, no answer. HSBC must be in financial crisis. I consider HSBC to be a virtual criminal organization now. They were OK for years. Jewish gods please forgive me, but I feel like a Jew in WW2 ** Germany. Ominous situation. No interest in whether my wife and I may be needing some of the money that HSBC is no doubt using to try and "save themselves"; this probable effort has to only add bad karma to the huge load of bad karma HSBC clearly has.


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When I was in last year IESL Conference, there were an HSBC hut, saying annum free platinum credit card for Engineers. I took the services and obtained a Credit card. They said that we can obtain 0% interest free loan from them for the first month after querying the card. Since I wanted to do some private investment, I asked the number of dates taken to proceed the loan facility. They told me that within 4 working days it will be arranged. And a check will be prepared and sent to me by post. I did not receive any call from HSBC after that on my loan and the check is not received. Then I called them and ask the reason. They told me that it is not prepared yet.


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My account got Scammed by international fraud group. I called HSBC fraud department, waited 2 hours the phone finally connected, they didn't even give me the Case # or taking seriously, I told them I have police report and FTC report, she said, "We can recall the money but not Guarantee, it will take 3 weeks." I called again waited another 2 hours after a week, try to find what is the status of the recall, a lady answered phone, she said, "You have to contact other side of bank to find out where is your money." I said, "This was the fraud case, it was scammed, how can I can contact other side of bank? My money was out from my account in your bank." 


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I just opened checking account and credit card with this Bank. For no reason, they blocked my credit card so to contact them, I was literally on hold 3 hrs on the phone listening to a boring music, their outsourced customer service from India doesn't know anything so they keep transferring me around. I tried their online chat but they are not help either, they provided the phone number that doesn't get you a live person. So I don't know how to get in touch with this bank customer service? My credit card still blocked. I was wondering, what will happen if someone loses their card and wanted to freeze it?


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I opened a checking account online in November 2018, and transferred $1,500 on 11/19. In December HSBC blocked my account without a notice and for no reason. Online chat agents advised using a different browser when I complained about impossibility to do online banking. Only one mentioned that my account is blocked and I have to call Security Team without providing the details and time frame. I called them last two weeks every day, and a line is always busy. I don’t an access to my money, the online agents are not helpful, all my emails and letters are ignored. Would not recommend anyone to deal with HSBC!


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I transferred $22,000.00 US Dollars from my PNB account in the Philippines to my US Dollar account at HSBC Langley BC Branch. I received only $20,989.00 US Dollars into the account. HSBC kept $1,000.00+ of the funds transferred in addition to their $15.00 Fee. They have continued to tell me that the 'Intermediate Bank' determines what currency they transfer your funds in and that the 'Intermediate Bank' chose to convert my $22,000 US Dollars into Canadian Dollars and that HSBC then converted the Canadian Dollars back to US Dollars and that is the reason for the shortfall of my funds. They have not been willing to assist me in getting back my $1,000+ and they cannot explain why when I did an identical transfer of $25,000 US from both the same accounts that I received the full amount yet this year they have shorted me the $1,000 +. 


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HSBC sets a New Standard for World Class Service - the LOWEST POSSIBLE STANDARD! I wanted to open an HSBC Advance Checking account and associated HSBC Direct Savings account. HSBC offered a promotion of $350 bonus for opening the account and funding with $10K+ CHECKING HASSLE: Opening the checking online was a hassle to begin with as the application timed out and I had to restart - this due to the time it took to review the various policies and disclaimers. Completed the application finally and they got back to me by email accepting (allowing me to open an account) with a couple of codes. It turned out that since I don't use a smartphone, they had to send me two letters, each with a code, to open my online access to the account. 


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I opened an account. I was "automatically" declined twice because they could not verify my identity? No further guidance? I think it was because I needed to unlock my credit report. Third time worked. Once the account was opened, I linked to an external account to ACH transfer in funds. They said the link was established. Then the transfer (initiated by HSBC) was declined by HSBC when it arrived. Further, my login credentials are now declined. I called and they asked me to fax(!) them a statement from the external bank showing how it was titled and the account number. I did that. It is now days later, and hours of being on hold, or on 'chat' where all they can do is give me a central phone number to call. In summary, I have been trying to open and fund an account for 26 days. Hard to contact then and no progress when I do. Not worth it. There are plenty of (nearly all) better places to bank.


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I wanted to send $ to someone in the Philippines who had an HSBC acct. I went to a branch here to ask how to do it - they gave me all the info they said I needed. I went to send the $ and THEN they told me I needed to have an acct. with them. I went to another branch to open an acct. Was told they had an acct if I kept $5000 in I could get a $300 new acct bonus. I was the ONLY customer in that branch at that time - but no one could open an acct for me. I had to phone to set up an appt. I tried to phone 3 times - could never speak to anyone. Today I went back to try to open it - yes, someone might be available - but that new acct promotion ended last Fri. I did NOT open an acct, and I will not. No wonder this bank has the terrible rating it does.


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It is near impossible to figure out how to lodge a consumer complaint for this, so here I am. This is against HSBC Bank, the "Learn1 Program" and PHEAA/AES. I have a student loan from over 10 years ago that was originally owned by a predatory lender (Loan to Learn) that has since been shut down and taken over by American Education Services and PHEAA.


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DO NOT bank with HSBC. I am currently banking with three other banks and HSBC has the worst service ever. Even when you call up the helpline, their people hang up on you when they cannot answer your questions. I am definitely shutting down by HSBC account.


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I switched to HSBC when I relocated to the US as I was told that it was a good bank for people having accounts in different countries. Well, this is not true! In the US, after a few months, my account manager told me that I won't have an account manager anymore but only the online customer service. I never had a bank without any account manager. And in France, I have an account manager that didn't respond to any of my emails, phone calls, and the online customer service cannot do anything about it. I'm closing all my accounts and going to a bank that respects its customers. Don't make the same mistake than me, don't go banking with HSBC, they have great advertising but terrible customer service.


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I opened a bank account 1 month ago for the $350 bonus with $10000. Now I am not able to log in online banking site and mobile apps. I waited hours to get someone to help at the phone. This is a total fraud bank.


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I am wondering for first time why there is no option for Zero stars. Are they really in banking sector. Be aware guys, your money will be stuck here if you open account with this bank. Their website, their APP and their customer care service all of them deserve zero rating. Never ever go for this bank. Please avoid.


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Opened an account 2 months ago due to a $350.00 bonus after 90 days with a $10,000.00 deposit. I've been on the phone for 28 minutes with no help and the 'live chat' has gone on for almost 60 minutes with no result. The Bank requires you to download their mobile app. I'm typing this during this intolerable wait. They've asked a lot of questions and sent me a verification on my cell phone. Now they want me to do the forgot password and give the chat dude the special code so I can change my password and so I just clicked on the forgot password and the chat disappeared and 'my session has timed out'... Actually it is ingenious...never have to fix a thing. Problem solved. You REALLY don't want to bank with these twits. To paraphrase another orange haired twit "Worse Bank Ever". "Worst Bank Ever".


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There are so many other banks with much greater customer service. Whenever you call HSBC customer service prepare to wait for at least 30 minutes, talk with someone who you can barely understand (with lots of talking in the background), and someone who has no idea how to handle your request effectively. I have had nothing but issues with HSBC, and will never use them again.


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They are awful... please don't waste your time with them. Customer service is awful... no reasonable flexibility. They were supposed to close an account 7 years ago. I decided to give them another chance and invest my money with them. They denied me because of 2 cents they should have refunded to me 7 years ago. Their loss. I will move on to another company. The supervisor said they don't try to keep customers long-term. Really? No worries!!! It's their loss.


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I signed contract at the bank more than two months ago and just got my debit card today, I had to go to the branch every weekend to ask about ANYTHING, I even faced problems debiting some cash and had to wait till they find my contract not on the system but the actual document, my phone banking is deactivated for some reason they are not saying and I cannot even create a PIN for my debit card. The agent who created my account doesn't answer and the branch manager doesn't know anything just like the agents, I ask about what is wrong. They don't tell and they give false promises.


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I opened the Premier Checking account with HSBC online on March 28, 2018. Under "Terms and Conditions" indicated if you deposit $10,000 within 30 days and keep it for 90 days, you will received the bonus of $350 within 8 weeks to your account. On July 5, 2018, I have fulfilled the requirement and decide to downgrade (according to Terms and Conditions - the account should be in good standing) to choice to keep $1,500 to void the monthly fee. Before I walk in to the branch to downgrade, I called in and spoke to 9 different people in the customer service department and they told me that I will be still eligible for the bonus. 


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I requested statements for two accounts, there was some glitch in the program which wouldn’t allow me to look back at those statements. I called HSBC and told them that I needed the statements, she tried walking me through how to print them out, but the program wouldn’t let me look back further than 6 months. The Customer Service rep put me on hold for over 10 mins then just hung up on me. I then did it through email and I received an email from HSBC confirming that I wanted the statements, they were going to charge $5 a statement which is a scam, since I couldn’t look it up online. I acknowledged that I was aware of the fees. I waited over a month and didn’t get anything. I tried two more time and got nowhere! I did the online chat today and this Customer Rep said they were going to send it and charge the $5 a statement. GO TO ANOTHER BANK, ANY BANK IS BETTER THAN THIS ONE!!


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I opened an online personal checking acct with HSBC bank. Account creating and wire transferring the amount was OK, it took about 1 hr to finish everything. I received an email on Monday (3 days later) to call them with not much details except the phone# and IB Reference Number. Note that this is 3rd day, still my wired amount was not deposited into my account. As requested in my email I called them on Monday, Tuesday waited almost 4 Hours in multiple calls. They put me waiting but no response. Neither they responded me nor they deposited my wired money.


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If I could give no stars I would. I am still awaiting a lien release that should have been filed 11 years ago on a loan that was never closed. At the time we were given such a hard time that we went with someone else. We had a premium account and got rid of it because of how we were treated. Now HSBC is holding up our closing for which we may have to pay an additional $500 to extend the time of our agreement. No guarantee of when they will file the UCC3 that was their responsibility. Sent several requests via email and called several times. 


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Really awful. We are a charity trying to save lives in a desperately poor area of India by sending money from the UK. They did a safeguard check on our account which took a year of us repeatedly sending the information they requested. One person would acknowledge receiving it when we phoned them and would say everything was completed. Three times this was done and three times they sent a letter a few days after threatening to close our account if we did not provide the information requested. The person who was dealing with our safeguard check was dismissed. Another person took over who was allegedly trying to phone us on a number of occasions, but never left any voicemails or sent any emails to us asking again for the information they needed otherwise they would close the account. 


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I am in Australia with an account in UK. Unable to transfer money as they had deleted my payees and it was not possible to simply add them back (is this the worlds worst internet banking service?). Called on two occasions. Same result, THEY could not access my account as my telephone banking service was locked! I don’t recall ever having called them before so that’s a mystery in itself.


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I have had the worst customer service from this bank. It even beat out Wells Fargo and made them look like the bush league. First, anytime I used my debit card to buy anything online or even the groceries, it would get flagged as suspicious activities and the card would get locked. The account reactivation process required me to wait on hold and answer absurd questions. This happened on a weekly basis. Next, my husband died while we were living overseas. This was my undoing in banking with them.


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My credit card was blocked and I received an email instructing me to contact the security center. I have been trying to contact the security center by phone during the last 15 days and it was impossible. After waiting more than 15 minutes in each call nobody answers. And my credit card is still blocked...


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I opened an advance checking account with HSBC when I received a card in the mail saying that if I opened an advance checking account with them and keep at least $10,000 for 90 days from 30 days from opening, then after eight weeks from the 90 days $350 will be deposited into my account. I opened the account accordingly and kept the $10,000 from 3/17/2018. I called and talked with a customer representative a couple of times with the first week of opening the account and keeping the said amount just to make sure that it is qualified for the award they were promising. 


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I have been with HSBC Bank for nearly 15 years. The only reason I've stayed with them is because I have premier status. However, even with premiere status, HSBC has the worst customer service ever. Your premiere relationship manager never contacts you and there is huge turnover where most leave the company and do not even notify you. Moreover, each time I attempt to call HSBC customer support, I am on hold for over 30 minutes (and this is when I call the Premiere Customer Support line). I received a fraud alert, and have tried contacting the bank for the past 4x days, but without any luck. At this point, I am considering switching banks because HSBC has zero interest in putting its customers first or making a change. In addition, the app is very archaic. You're better signing up with Chase and any other bank!


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My credit card number was compromised and I contacted HSBC that day. I gave them all the information, and even contacted the vendor where the card number was used. That vendor then refuted the claim that the purchases made were fraudulent and HSBC is now coming back to me for $680 in fraudulent charges. Their fraud department rep was extremely rude and nasty on the phone and pretty much accused me of lying. Cancelled the card, and I would never do business with them again. I'm really shocked that they are that bad.


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Waited for a chat only to be told I had to call. Called, was told I needed to be transferred, next person said same thing, but she instead just hung up on me. I was on the call a total of 1 hour & 14 mins, with 99% of that time being on hold. Tried chat again, no reply. Chatted again and asked them to call me. They said they couldn't relay the message because they were in the chat department. I am now on hold with them again... So far, it's been 41 minutes. This is the worst customer service I have ever seen.


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I made two deposits $2000 and $2400 and they close my account. I don't why and If you call it takes a long time before you reach someone. I called a few times yesterday, the lines were busy, what a joke, they seem to be honest at first and It took over 30 days to get all my account information from HSBC. I would tell people to stay away far away from this bank. I don't why the banking agency does not do something about this.


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Opened a credit card with HSBC because of the cash back. The flat fees they charge at any random point scammed way more money out of me than that. The worse part of it was trying to pay off and shut down the card at the end. After paying off everything on the card I found that I was charged a flat $25 "Late Fee" on literally no money as the account was now paid off (overpaid actually). I called in to remove this crazy fee and I was told that the card would be sorted and shut down so I threw another $10 in there to make sure it is all paid off and done. 


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After multiple calls being transferred and disconnected along with spending over 3 hours on the phone dealing with teams in the Philippines, India and then Ireland I was scammed out of over 3% of my funds due to a international transfer error and the lack of information provided by HSBC. I'm completely disgusted in the way I was treated and I'm sure this would've been a very different story if I had been their 'Premier' customer. Going forward, I will ensure that everyone in my connection knows of this awful experience with a bank who claim to have such a global presence and support.


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My rent check was intercepted, forged, and written out to a complete stranger for my rent amount +1,000 extra dollars. The check was so obviously washed, how it got processed and money withdrawn is beyond me. I filed a fraudulent check affidavit, filed a police report, contacted the FTC and the BBB twice and have yet to receive my refund. It has been two weeks. TD Waterhouse bank, where the check may have been processed, actually called me stating the check appeared fake and that they were ready to return funds but have not heard from my bank. Contacted the branch contact and corporate but they have no sense of urgency and do not return my phone calls. Appalled by their lack of urgency and abhorrent customer services.


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Recently opened a credit card with HSBC, but for no reason it's blocked by the bank, don't know why. I just made one transaction of around 80 dollars and paid it off next day. First so difficult to get someone on its customer service, luck if I get someone then I was told that Banks verification department wants to verify some information. It's not more than 7 days, after wasting more than ten hours I could not get anyone from its verification department. Even to pay over the phone was so difficult that I had to make so much struggle to pay it. 


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HSBC, if I am not mistaken had the largest penalty a bank received to date and did so because they opened accounts for drug king pins who bought real estate worldwide... Reuters - HSBC Holdings PLC agreed to pay a record $1.92 billion in fines to U.S. authorities for allowing itself to be used to launder a river of drug money flowing out of Mexico and other banking lapses.


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After being a customer for 20 years HSBC closed all accounts without warning. When I tried transferring $2300 from my Chase to my HSBC, HSBC held on to the money and did not send it back to Chase and have not returned it to me. They tell me they don't know where the money is and basically told me, "Tough luck." This happened on 6/25. It is now 8/2 and the money is still missing.


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I opened up my checking account with HSBC and they never sent me any mails. I tried to create an internet banking account for my checking account but I was unable to do so. I called the bank over 30 times and was put on long holds over 30 minutes each. I still am unable to access my funds with the bank.


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I have the invitation from HSBC to apply for a CC in April. They said I have been pre-approved. I started fill-out the application, didn't hear anything from them, either "approved" or "not approved". I called in and talked to one person, she said yes, I have been approved but need to wait (?) for the email. I've waited and finally got the card around May 20, 2018, with all the "Congratulation" packet and policies, and welcome, etc... you name it. I called and let them know that I would use when I travel out-side-of the US from June 6 to July 4, 18. 


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How to scam a child, HSBC! To wit: My son had a savings account with HSBC USA to receive social security payments as a minor until he was 18. When the payments stopped -- thank you Social Security for what you did over the years -- he had $100 or so in his account. He didn't pay any attention to the account after that. He figured the money was safe. What we didn't realize was the bank was taking $5 a month over the past year, ostensibly because he didn't keep a balance of $500. A kid saves money -- his money, which the bank makes money on -- in an account, hoping for the day he can add more, but discovers, instead, they've taken it away. This is gouging to say the least. How many tens of millions does the bank make by requiring customers, especially children, to keep a minimum $500 in their savings accounts or else get fined? HSBC should be ashamed. Other banks, as well, that do the same.


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It is a HORRIBLE HORRIBLE customer service. O MY GOD. I am from one of ** Countries I NEVER NEVER had this experience even there in developing country. I don't have any words to express this customer service. I try to pay my first credit card bill but I couldn't. Almost due date now. It is very weird. Almost a week now they keep transfer me from one person to another until I hung up the phone. Every person I spoke asked me my personal information for verification and keep transferring me. I spent more than 2 hours today on the phone. You can see the picture but I couldn't pay my bill.


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Worst customer service I've had with a bank! They can leave you waiting for hours on the phone then tell you they're calling you back which never happens. Everyone keeps on transferring you to other departments which you wait by each one for hours with no one to help at the end anyway.


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Do NOT ever open a credit card with HSBC. Within 2 months I had fraud on my account, which happens sometimes. The customer service was HORRIBLE. I had to sit on the phone for hours on end, for 3 days, just to get a person. I even asked for managers, and they couldn't get the right fraud people on the phone with me. You will regret ever opening a letter from HSBC. BEWARE and save yourself aggravation. DO NOT get an HSBC credit card EVER!


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I opened account online, which took about a month. Was NEVER able to log in to personal banking. Spent countless hours on the phone and via chat. Had to add an authorized user so they could withdrawal money so I could close the account... via chat of course because I couldn't log in. I thought it would be a good idea to open an account with them because I'm moving to London in few months. Worst decision I've ever made.


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I started the process of opening a simple checking account with HSBC nearly 3 weeks ago. My initial deposit of $3000 was completed and HSBC has taken my money in less than 24 hours of initializing the transfer. It is three weeks later and I still have no access to my account or any of that money. I am now 3 hours into waiting on the phone, after being hung up on twice by different departments and transferred by 5 different people. It appears HSBC doesn't intend to let me use my money or give it back to me. Please save yourself the time and trouble, take your business elsewhere.


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On 7 March 2018, I applied for a checking account online, after a few days they requested some documentation to prove my identity which I gladly provided, after a few days I called to get the status of the account and the customer service did not know what was going on so they kept transferring me to their online fraud department or something similar to it. The thing is they were blaming each other for the account not being opened, after about 3-weeks of opening the account, they still not know what was taking so long. And apparently there were two applications at once, so that's when I decided to cancel the application process and asked them to refund me the online deposit I made in order to open the account. To this date I have yet to receive my $100.00 refund.


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It has been several weeks since I began the process of opening a new checking account with HSBC. I have called multiple times to a number in NY and after being placed on hold for up to a half hour I get a person in their so called fraud dept who has poor skills in determining why I am having such difficulty in setting up the new account. I have scanned both driver's license and U.S. Passport a couple of times via Gmail and they respond to me that it was not delivered. They have never called me to inquire why my account is taking so long to set up. Oh really, I have documentation that it was received. So my next best option is to cease trying to open an account as it is probably a prelude of things to come with my dealings with HSBC. Forewarned is forearmed in the banking world.


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I am BEYOND frustrated with this company. NEVER in my life have I had to deal with such incompetence. I cannot even link my checking to my account at HSBC to pay my bill. No one will call me back and no one knows any answers! Weeks have passed and they have not fixed the problem. They have lowered my FICO score because of this and I am so upset. Now my credit card account is completely frozen. Never do business with company - they are beyond awful and you cannot get anywhere by communicating with them as no one knows what they are doing. They don't deserve even 1 star!


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Customer service is just so unprofessional. First of all, trying to get a hold from a representative takes over 30 minutes most of the times. In addition, they’re so incompetent to resolve any inquiries that I may have. For instance, I’ve been calling for about two weeks in order to know why my credit card is not working and either I have to wait or speak to a representative who doesn’t speak English fluently. It’s been three weeks and my credit card still doesn’t work and nobody from HSBC can’t solve this issue. At this point, I’ll stop banking with HSBC and of course complain with the BBB.


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HSBC Milpitas, Horrible service - This is my first time in my life to write an only one star. The teller is significantly incompetent and the manager is a person who does not qualify as a "manager". We are there to ask a simple statement. First of all, the teller did not know how to print out a simple statement and blah blah blah told us to wait. Then the manager pissed me off and said to me that she need to talk to the account owner not me. Well, even though I am not the owner but I am a live-human being being there for help. She couldn't show her respect attitude, instead... I was so regret to encourage my husband to open HSBC account.


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I am very sad to the HSBC suspended my account for no reason. Now is 8 weeks. I can not access my business account or my money. When contact HSBC they refused to speak to me. HSBC requested prove when the money comes from and I did supply all evidence. I keeping called, visited the branch, emails, send a letter and still refused to reply me. HSBC keeping receives money from my customers for self. I have requested all my money my business account and will found another bank. I want to take legal action to HSBC from discrimination, and keeping money from my customers. I am now going to the hospital due to the stress HSBC. If you know any civil laws can help me I will be much appreciated!


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HSBC bank. The following is my humble opinion and what I believe: I will never open bank accounts, credit cards etc. with HSBC. They are one of the worst banks I have ever dealt with. The online process to open a simple bank account took me about an hour and a half and it’s still not finished I Believe the bonus of $350 to open a bank account was a bait and switch scam. Calling customer service about five or six times all calls went to the Philippines with people barely speak English and they sound like five in a closet. It’s so noisy. Very unprofessional bank experience I had. What a disgraceful bank I believe. Then days later five days later I went to branch to remove my $10,000 they're holding hostage is unbelievable and I got told I can’t take the money out after wasting another hour in the bank with clueless people who blame online banking as the issue.


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After being an HSBC UK customer for 8 years, they froze my account for being inactive/dormant after a few months (I hadn't used it in a while), and also froze my telephone banking for some reason. I don't currently live in the UK, so could not go into a branch in person to "verify my identity". After calling for 6 months and repeatedly asking for a letter/code to unfreeze my telephone banking (in order to then re-open my dormant account), no letter came. When I called, the customer service agents could not confirm the address they were sending the letter to for "my security", because my telephone banking was frozen. I would later find out that they were sending the letter (WITH SECURE INFORMATION) to the wrong address. But they could not tell me this. If this sounds Kafka-esque and ridiculous and illogical, trust me, it was.


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I found HSBC very difficult to navigate. I organised a savings account with intentions to save with a new job. I attempted to set up internet banking and was unable to. It turns out I was meant to be sent a security device when I opened the account. I asked on multiple occasions to send me the device and it continually got missed and didn't happen. Eventually I have decided to close the account due to being unable to access online banking as a result of no security device. Trying to close the account has been a ludicrous effort. I have sent the correct paperwork and then after receiving it they send me a sheet to confirm my signature.


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I went to purchase lunch. Card did not work. Called HSBC and was advised needed to verify transactions after I had been with them for a month at that point. Waited on hold for 25 minutes that the place gave me the food for free. About 1 1/2 hour later spoke with Fraud. They asked for my passport number. I have never had a passport. I signed up with state ID. Resubmitted same info over the phone. Thinking all is well. Long story short I asked for my application showing I selected passport. They denied that. They stated they are closing my account and will mail my check and I should receive it within 7-10 business days. The account is still open and blocked and they give me a different time frame each day I call. I have filed a complaint with the BBB as this has cause all my bills to be late. I had to borrow money. Incurred late fees on rent will be $180. It's embarrassing to not be able to handle my business behind this.


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I just opened a credit card with HSBC. Made my first purchase and got a fraud alert which required me to call a call center in India that could hardly speak English to confirm my charge. Made my second purchase and AGAIN got a fraud alert which required me to call a call center in India that could hardly speak English to confirm my charge. It's absolutely ridiculous that I can't use this card without getting a fraud alert for every purchase that I make. If I have to call India to confirm every charge, this card isn't worth my time or aggravation. Upon using my card the 3rd time, it's now been declined and I apparently can't use my card at all and I'm getting damn sick of calling India. What a joke of a bank! I will never use this card again.


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A living trust acct was set up years ago at HSBC by my mom with my brother and me as the trustees. For many years I deposited funds and withdrew funds from this acct. This past December my brother and I agreed to withdraw all funds and dissolve the acct. HSBC barred us from withdrawing our funds. My Trust and Estate attorney spent 2 months representing us and dealing with the legal dept of the main branch with countless phone calls and voluminous paperwork. We were barred from removing our funds until my attorney finally prevailed. 


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They have this really policy that to use the APP you need to have a PIN number that they give you and that is fine. Now the problem is they send the PIN number through mail a couple weeks after you have your card. I called customer service to ask for it, they can't help... And all they can do is to give you a temporary Login ID and password until the PIN number arrived in the mail. The customer service... I would guess they are from outside the States so a bit hard to understand and the quality of the call is terrible. They also transfer you 2 or 3 times to the wrong department. Then after you wasted 20 minutes talking to the wrong people they still unable to help you. I'm just gonna to get the sign up bonus offered then will never use this card again.


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HSBC Jersey have managed to "lose" a large sum of money they were transferring from our account in Jersey to another UK account. Simple huh? Well not for this bank... They do not call back, they offer platitudes like "I'm sorry we didn't meet your expectations" (well I certainly did not expect my money to go missing) and they take no responsibility for their ineptitude. The relationship managers are forbidden to give out their manager's email or the email of the CEO, which clearly suggests that they do not want their lofty CEO and managers to be bothered by a pesky customer complaint. Disgraceful HSBC JERSEY.


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After having to call in and being told something completely different every single time I called, mind you I also sat on hold for a minimum of 25 minutes each time I had to call, my issue still was not resolved and I was told that the only way to resolve it was to go to an actual branch. Well... the closest branch is over 4 hours away! I emailed in EVERYTHING that they asked for, even had them hold on the line while I emailed it to verify I had sent it. Poor, poor, customer service. Closed my account and lesson learned, I will take other people's reviews much more seriously when purchasing anything.


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Has anyone else received a letter in the mail stating that their minimum payment would triple? Going from $230 per month to $700 per month without benefit of income verification, full disclosure of terms in accordance with the Truth in Lending Act (RegZ), not received a modification agreement, or missing large sums of payments? I paid 39 payments of $700 per month for a total of $27,000. My Home Equity Line balance Jan 2010 was $98,000. Now another forced modification 7 years later and my balance is $96,000 after having paid $27,000.


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I would give 0 star if I could. I wish I had believed all those 1 star reviews I read and didn't open an account with HSBC. If you value your precious time, please do not bank with HSBC in the US! Opening a checking online is not a good idea! You will not be serviced at the branch. Every banking activity will happen online or via the phone if you open the account online.


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If you want to pay to feel like garbage, feel free to join the banking of HSBC. My parents always used them growing up but I hated them. They were well off maybe that is why their review will be different than mine. I co-own a company in Canada and we have an account with HSBC Canada. It is the end of the year a customer in China needs to refund us our money since deal did not go through. We gave them to wiring information, (provided by HSBC) which only included corresponding bank swift code, it is Citibank citius33. They told me, “We don't need Canadian swift code or the address at all.” And that swift code can solve it. Of course, IT didn't it got refunded. Then I called in, the first person was decent, the second guy was the absolutely the most horrendous customer service call I received. 


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I opened a savings account with HSBC over three weeks ago and requested to have my husband's name added to the account. As of today, his name has not been added despite repeated requests and follow-ups. I have never dealt with such incompetence; every time I used live chat, I got a different answered. When I calls them, I was promised repeatedly that his name will be added in 2-3 business days. HSBC is the worst experience I have ever had with any banks. Absolutely the WORST!!!


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I opened a credit card account with HSBC last October which was surprising because I was never notified about the status of my application or when I was approved (first red flag with this bank) back then. When I read the terms and conditions, it said that the cash advance pin would be delivered 5-10 business days after the credit card has been received. 


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I signed up for a account for HSBC bank for a basic checking account for my payroll. First off it took a entire three weeks to open the account because every time I submitted my info one of the workers would misplace it or my application was handed off to someone who wasn't the original person assisting with opening my account. Finally the account was opened and my payroll posted to the account. The first issue was I reached out to the bank to see how withdraws would work since I have no ATMs in my area. I was told how to go about using a different ATM and also that I had no max I could withdraw in a day. I went to the ATM to withdraw funds to pay my rent and received a response that I had a daily limit of $500. I contacted the bank and was told the previous rep was incorrect and to try to withdraw $500 instead, I questioned if it would matter withdrawing $500 and it being atm fees that would bring me over $500 and was told it was no issue. 


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My debit card was retained by a HSBC ATM when I tried to withdraw cash. I more than 20 minutes to see if it would return my card but it did not. This happened on a Saturday and as I was traveling I was only able to report the matter on the Monday. By that time 6 charges appeared on my card which did not belong to me that amounted to more than 13,000 pesos. The bank later only settled me with 5,000 pesos saying such was their policies for cases like mine. This seems very unfair to me since it was their machine that retained my card. I have tried on many occasions to present my case but they are indifferent to my complaints. Very poor customer service.


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I was told I needed to keep my HSBC Advance account in order to maintain my RRSP's at this bank. I just never bothered to question this and so left $100 in this account. When I received notice that I would get charged a $25 fee/month, I decided to call up HSBC to close the account. I said, "Do I really need to keep this account open in order to maintain my RRSP's?" He did not know but said, "I don't think so..." 


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HSBC were my startup bank, 4 years ago, as business grew, HSBC worked well. Then a line was crossed. HSBC informed me that our accounts would be limited in weeks time: no money in (get paid) no money out (pay bills), ie, business-ending stuff. Some weakly worded questions were asked by email, responses were given, but not acknowledged. Chasing for status was crazy hard, phone the bank would could 'leave a message' for the Safeguard team. Utter joke. At this point, I was thinking it would all just go away, but as the time to lockdown approached, I had a stark realization: My business bank, HSBC, was the biggest threat to my company.


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I made a wire transfer on Aug 29, 2017 to my personal account in Malaysia with amount 31,252.83 USD, still the amount has not been wired into my personal account as of now Sep. 29, 2017, even I made several complaints against this case. I have conversation with more than 10 HSBC customer officers and all of them promised someone from higher management will give me a call, unfortunately, none of them have been committed their promises. I'm totally dissatisfaction with HSBC, of course, I will terminate my account upon recover my amount from HSBC.


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HSBC Canada internal staff in India illegally completed a transaction in my account, during the period of June 30 to July 18, 2017. I have gotten several different stories, as I have been stressed by the lack of customer service and correcting their own error, HSBC has been waiting for a reply from their department, why they hold my money hostage. I started to inquire about anyone else who may be experiencing the same and found a group of Canadians who are taking action against HSBC. My money and I want it all back!!!


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I banked with HSBC for many years, with a current account and previously a mortgage. In recent years their service became just terrible and with no response whatsoever to complaints. I had various problems: most notably they kept bouncing back inward TT's I made to my account from overseas, from various sources. With no explanation and no follow up. My account went to almost zero as I could not pay money in from overseas! Previously when I had tried to T.T, an amount from my Singapore account to an overseas account, the money was never received by my bank in England.


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I did the transaction on July 20, 2017 to Webjet for $3466.68, I cancelled on the same day and the amount was on my balance. I reported to the bank about the cancellation on 07/20/2017. Few days later I reported to the bank about the new charge on my credit card for $1155.56 at the same time the bank charge $3166.68, that moment I contacted on 07/ 28/2017 and HSBC they block my card not I was outside of the US and Webjet, they answered that both transaction will cancelled in 3 business days. The cancellation for $3,466.68 was disappeared from my account I was not able to use as evidence. 


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In June my life insurance policy matured after 10 years. I decided to surrender my policy to get the cash value. I sent off my form early, expecting to get my money in 2 to 3 weeks. Nine weeks later I still have not received anything. In late July the bank after long delays claimed to have sent my money. A week later HSBC USA, the bank through which my money was passing, contacted me through HSBC saying they had not received my wife's details (it was being sent to a joint account) even though I had provided this earlier. 


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@HSBC_US worst service ever. I applied through HSBC for Mortgage and it took them over two months to provide me a rejection letter. I had to call them several times to get an update on my account. They kept spamming my email and asking me every two weeks that If I'm still interested in working with them. I emailed my representative Maria ** two times and she did not reply back to my email. I have applied for the mortgage through RBC and I got the pre-approval letter for a mortgage of $650,000 within a week with a rate of 3.87. I will never do any business with HSBC and also please check the reviews of HSBC on another website which shows how bad they treat customers.


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I called and got payoff amount for example to make this easy to understand - it was $2000.00. I paid online the amount, yet a month later they auto debited my bank account for some invisible $19.00, only it took what was the original full amount of our payment of $150.00 and we now have to wait up to two weeks for our refund of the $150.00 MINUS the $19.00 fee that by the way cannot be found ANYWHERE online and I have screenshots to prove a ZERO balance as of 5 days ago still which is 17 days AFTER the payoff, yet they took the money last night. This caused us to overdraw our account and now we have negative money for 2 weeks until payday again and all they can do is tell us it takes 14 business days to process our return of a PARTIAL credit. This has got to be illegal! Regardless, bad reviews are coming on every site I can find, email every city and state official and via word of mouth to shut down these loan offices in Virginia.


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On dated 15 May 2017, I wrote an email to HSBC and sadly till now no one responding it. Maybe the officer are look down on us as customer. Here are the email I wrote and address the email to Ms Salmah **: Dear Ms Salmah **, During last conversation with you, you did informed me that my card cannot be used and also had been cancelled although I had paid all the outstanding bills. She strongly says that if I wanted to use again I need to re-apply and application may not be approved by the committee. Though I did mentioned to her that I need to use the card badly as I stationed in oversea and she still say NO.


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HSBC has the worst customer service of all bank out there. I am a premier customer yet the type of service I am getting is horrible even for a regular customer, let alone premier. I have sent message online to customer service to complain & asked that my premier relationship manager to contact me - no feedback nor response whatsoever. If I have option to give 1/2 a star for this review I would. I am going to transfer my $ out of HSBC & do not wish to do business with HSBC anymore. Stay away from this bank.


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So I have been a customer of HSBC for approx. 1 year in Australia. I work overseas and get paid in US dollars, hence I have US dollar account with HSBC in Australia where my money is deposited. For 12 months my pay has gone into my account with no issues, on my last monthly deposit - disaster struck. For some reason using the same account details that have always been used, HSBC declined the pay - account number wrong/name wrong. As such they have charged US120 and returned the funds through Swift to my employer. Enquiries with HSBC after numerous phone calls finally ascertained that my employer had placed my BSB number after my account number which is why it was rejected. Considering this had been accepted for 12 times previously I was a bit bemused, however my employer accepted the fee and redirected my pay into my account with the BSB number now at the front.


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My partner and I decided to buy an apartment in HK and we made a deposit. A month ago he transferred 600000 HKD (around 50000 USD) from his OWN Swedish Bank account to his OWN HSBC account in Hong Kong. Whilst the Swedish Bank has informed that the money has successfully transferred out, for 4 weeks he did not receive anything in his HSBC account. No one has ever contacted him. He called the hotline in a daily basis, many staff promised to get back to him but there was no news.


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I had a small business in Malta and had banked with HSBC for over 8 years... Suddenly they sent a letter that they were closing my account and refused to overturn their decision when I pointed out to them that this would have serious consequences for my business. They since declined transfers and receipts, However an old customer sent funds in error to that HSBC closed account rather than my alternative account.


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After 20 years, I have decided to leave HSBC. I have had nothing but grief for the last couple of years. Blocking my card continuously for no reason, not being able to get cash out of local ATMs, not being able to do online shopping with companies I have shopped with for 5+ years. Calling them to tell them I'm going abroad, only to find my card blocked, when trying to pay in said country/city. 


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It was seriously worth it to take the time to write this review and I would particularly warn new customers intending to open an account with HSBC. I'm employed by an overseas oil company, so all I needed is a bank account in the UK. After three years, I say with a big disappointment that HSBC staff are poorly trained and cannot handle simple issues. If you call, you will need to spend over an hour on the phone before they tell you that they cannot help you and that you need to visit a branch. And, if you think the branch is going to be better, you are absolutely wrong!


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I have been with HSBC for more than 25 year (living in Asia, the US and Australia). I have used all their facilities, FX accounts, home loans, etc. They are so disconnected from their customer, me. As an aside, they have blocked my debit card 5 times in the last 60 days as they were concerned about 'suspicious transactions'... all made to local stores who I have used my card for the past ten years. I have had to replace my debit card twice this year as I have been advised it had been compromised? I am also with Westpac, for 5 years, none of these dramas.


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I decided to cancel 2 active credit cards with HSBC last September and told HSBC not to issue any new cards because I was done dealing with their poor customer service and didn't want any future service with them. The cards were canceled and I paid the balances in full for both cards and thought I was done with HSBC. Well, surprise, I'm not done, they issued 2 new credit card numbers for both of the canceled cards, without my knowledge or permission. They also allowed charges to be placed on those cards that I specifically told them not to reissue. They allowed merchants who were never given the new credit card number to charge against the card.


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As a business we work with 6 banks. HSBC has been the worst performer for years. We are today finally throwing the towel in at in the UK. We were asked to fill in a form we could not download from the internet. The inability to download the form, and the inability of the data system that records telephone calls to work, led to the closure of our Euro account for no apparent reason. Following a telephone interview of which HSBC have no trace, which I find quite incredible, which took place only a few weeks ago that they organised, despite apparently complying to all HSBC asked of us, and being told the account would stay open, it vanished along with the proceeds.


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This bank is a representation of bad corporation. They are an architecture founded of overdraft fees and customer mistreatment. I personally would rather trust a dog with down syndrome with my money than this bank.


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Even before BB&T began its partnership with Truist, it was a huge pain. But ever since they began working together, they've managed to become even more impossible to use. I've been attempting to transfer money from my BB&T account to another savings account for SIX MONTHS. Every time the app is broken or just refuses to transfer the money. It's absolutely ridiculous. It should not be this difficult to get my hands on my own money. I'll be transferring out all my money and closing the account asap.


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BB&T/Truist is no longer able to service me when I go to the bank. Now what I ask, I'm told "we can't do that". Took cash at Christmas out of my bb&t acct and tried to put the cash in my daughter's bb&t acct, at the teller and was told I could not do it. Ask for a cashier's check today, was told they could not do it... and it goes on and on... Tried to get cash from atm, NO, wasn't able to do that either.... Been with this bank a long time... have plenty of money in account. They have become the "we take your money, but promise no service bank". I'm done with them.


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At my wife's request, she being 70 me being 68 asked me to make a cash deposit of 60.00 into her account to cover an insurance debit. BB&T refused the deposit since I or could her or I could not prove where the cash from?


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Told them when and where I was traveling to use my card and couldn't use it. Asked for replacement cards several times over months. Never got it. Asked why these didn't work. They just said they don't know.


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I've been on hold for 2 hours waiting for a customer service rep. They've always been bad when I had to call in but this is utterly unacceptable. Also, when I tried to set up auto pay, the guy told me they would mail me a form to fill out and mail back... Are you kidding me. I'll never use this bank again.


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I was trying to explain my issue and all of sudden he cut me of and literally screaming at me by saying STOP, STOP, STOP, STOP, STOP. I don't know how many times he said that but this kind of behavior it's not acceptable. And he cut my line off.


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Took check for 550 to window, asked to deposit 350 and get cash for the reminder. Was told couldn’t do that. Had to be all deposited. Won’t be available for 24 to 48 hours. It was obviously a legal check from the North Carolina state health care plan. I was depositing almost twice as much as I was asking back and have been a customer with this bank for over 20 years! I do not understand why they could not give me a small amount of cash when I was depositing the larger amount of the check?


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I don't belong to this bank but keep getting emails from these idiots say someone trying to log into my account using wrong pass word. Lying no good crooks. Never use these scammers for anything. They just try to steal your banking information from another bank. Criminals.


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Client of BB&T. Now waiting for over 40 minutes for a BB&T agent. Is this the kind of service we can expect from TRUIST???? If so, I am out of this bank. Are they unable or too cheap to provide more telephonic agents?


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BB&T opened an account in my name without any checks, and I realized this was an identity theft issue. I called them 2X NOW to close the account, while they promised they would, did not act on the same. I am struggling to get them to close the fraudulently opened account. If this is the level of minimal checks they perform, I would not be able to ever trust their so-called security. I am struggling to get this resolved. It is almost impossible to reach a live person when I call and when I reach a rep, the reps who answer are limited in their knowledge or ability to do the simplest things. I am now receiving emails about overdraft charges on my account.


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BB&T opened an account in my name without any checks, and I realized this was an identity theft issue. I called then to close the account, while they promised they would, did not act on the same. I am struggling to get them to close the fraudulently opened account. If this is the level of minimal checks they perform, I would not be able to ever trust their so called security.


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I had 18.13 in my account after a 140.00 deposit and they overdrafted me on a 16.28 purchase!! I'm really angry about this situation because I feel like They are scamming people like this! The overpay is MANDATORY on business accounts and the fee is 36.00! I'm sure I'm not the only new small business they are benefiting from like this either!


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I have been a customer of BB&T for years now and today they just decided to close my account without notice. I was on vacation and my card got decline. I went online to the BB&T app and I was locked out my account. I called customer service. They told me my SSN has been compromised and they will file a ID Theft report on my behalf. Ok then he told me the bank closed my account and blocked my debit/credit card. I asked if he could get the block removed. He told me I would have to speak to another department. Ok did that and still nothing.


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I am concerned that the BB&T merger with Suntrust is creating customer service issues. I don’t frequently go inside the bank however when I have gone inside I have noticed a difference in the quality of employees. Specifically they seem less professional and much less friendly. Also the branch at Landfall has an ATM that is usually out of service. I have complained to the inside teller about it on several occasions when I had to go inside when the ATM was out of order. Yesterday it was Sunday, the bank obviously wasn’t open and as usual the teller machine didn’t work. So if you use the ATM frequently as I do I you will be happier banking somewhere else. I can’t understand why management doesn’t understand these issues. Maybe they just don’t care.


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I visited the West Springfield, VA Branch about a $16.74 late fee, hoping I could get it waived due to my stellar payment history and credit. It seemed that simple request opened Pandora's box. The "Senior" Branch Manager didn't seem to know how to do this simple task and had to make many phone calls. I asked her who she was calling and she said "I am not familiar with the new system". Instead of stopping and saying something like "I don't know, but I will get back to you". She proceeded to retract payments!! All of them and reapplying them. Each time she did, a $25 retraction fee and a $16.74 late fee was charged to my account. So I left thinking she had fixed it and "it will update". It sure did. I ended up with $144.00 in unearned fees.


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This bank is almost the reason why I almost went bankrupt because of the way they hold your checks for so many days before they clear it and charging excessive amount of overdraft fees while your fund's just seating in the account for delay clearance. Customer service is not as helpful or willing to overturn any key factor of the wrongdoings. On the monthly basis I would be losing almost $100 just in overdraft fees because they just hold all of my check deposits. It's sad because I have numerous of accounts with them and will move all my funds elsewhere.


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The fraud department at BBT closed my case without looking at the "facts" and never contacted me to explore any details of the claim. This is clearly to avoid returning any funds. The relationship between BBT and its banking clients is not impartial. Small business owners are not treated with respect.


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BB&T merged into Truist Bank and service has never been worse. During the pandemic I was not able to pay my mortgage payment through the website, which was my normal way of paying. Coming out of the pandemic and making my normal payments, the bank moved my payments to the past payment due, which is in a balloon to be paid at the end of the loan, thus triggering my account to show as past due. Last month I made 13 different calls to customer service and supervisors being assured the mistake the bank made was corrected. This month they put my current status into collections. Three calls already this morning and I have been disconnected, told a supervisor was not available to speak with, put on a calling list which I may receive a call within 48 hours!!! This is totally unacceptable. Very disgusted with customer no-service. Beware.


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So I made a purchase for my family for dinner through DoorDash and the vendor canceled the order of 71.00 which when the order was placed the money came directly out of my available balance. I called BB&T after three days to see when would the 71.00 post back to my account. I was told to give it 5 days and then call back. This whole time when I checked my account I could see the 71.00 showing as pending deposit then on the fifth day, the pending transaction disappeared as if It never happened but the 71.00 was never deposited back into my account.


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We have had the misfortune of dealing with BB & T since they took over our vehicle loan 3 months ago! Every month there has been an issue with our payment, with the last being a payment we made a couple weeks ago that is not showing up in their system, as if it was never paid, even though we were given a confirmation number. We've called 5 times to take care of their payment processing issues & each time we are told that there is a different (980) phone number in the system that neither myself or my husband have ever owned & even though they have "changed it" (FOUR Times!), the phone number still remains in their system! We have had the displeasure of dealing with multiple rude representatives & have even been HUNG UP on!!! We're going to look into changing long companies, because this is not the type of people we want to deal nor do business with... Especially for the next 5 Years! They are AWFUL!


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For starters they’re accessible. There’s hardly ever a waiting period. If so, they will call you back sometimes faster than your waiting period allowed. Most of all treat you like your concerns matter, not just a customer.


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I rely on paper statements for my own legal safety. There is no memory as firm as faded ink. Without these mailed in statements, the payments are not made in a timely fashion and I receive fines and hits to my credit rating. BB&T has been changing my billing status from "paper" to "paperless" on a regular basis without my knowledge and without my permission. I have called about this three times and their response was that it was my fault as I must have logged in and made the changes myself. This is absolutely meritless and is patently false. This may seem to be a minor issue but it is a profit-making behavior with plausible deniability they are willfully engaged in within an industry that's existence is founded on (violated) trust. Avoid BB&T.


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Banking is simple plus I love being able to do deposits on my Phone. No more waiting in line for the next teller to help me. This is true Banking at its best! Also like the Bank is open on Saturday for Customers who work late to do their Banking plus get help if needed.


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My parents had investments with BBT. I am the executor and despite sending correspondence to them at the address they gave me, they have never taken my mother off the account, and now they are not sending me the paperwork for my father. It's like they just toss all letters in the trashcan, and you can't even get through to them on the phone. Where are all these home based workers they claim they have? Because of this delay, I am still dealing with my parents legal matters. I should have received a check for the remaining investment amount, but meanwhile, with all the delays, the stock will probably go down before I get anything IF they do send anything. This is NOT the way to serve customers in the financial realm.


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My company has several credit cards at BB&T in NC. When a Walmart 3rd party vendor failed to deliver items and took 2-3 weeks to refund our credit card, I called BB&T to dispute the amounts whereby we received no product. They "dragged their feet", sent 2 letters and finally refused to credit our card. There are many vendors holding consumers' money interest free without putting it back into their credit card accounts. Credit card companies need to support consumers with no hassle, timely credits to their cards and when/if the money is refunded to the consumer, the credit card company can debit the money. BB&T is totally useless on disputes and consumers need more service from their credit card company!


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Went $40 in the negative and obtained $350 in fees. That's great when I'm a single father with 2 girls, now negative $400. Worst customer service as well. Not a single person was able to help me recoup some of these charges.


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They closed my business account without let me know. Due to this I closed my personal account. They are not professional, ATM machine never work. Manager not available, but in his office, not able to step out and help his employees.


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Got a boat loan through them, and first thing I noticed was how poorly set up their website was, no way to setup automatic payments online and have to reenter bank info every month, but the worst is I was paying extra to pay the loan off quicker. Well just realized they were putting the extra towards interest and not Principal, not even sure why that is legal. When I called them on it he told me to make my regular payment then make another payment for principal only if I wanted to pay more. I have had multiple vehicle loans and never experienced anything near this level of corruptness.


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I would write 0 stars- but have to check one star. HORRIBLE. THEY no longer care about small businesses. My husband applied for the second PPP on the day it opened (January 25) and it sat in the portal- no movement. This was for same loan amount from first PPP which was already forgiven. It never moved. Last Friday we applied through Lendio- had an SBA number 48 hours later and funded 5 days later. WE plan to move all of our business and personal from BBT Now Truist to a bank that cares.


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BB&T allowed a Unauthorized Checking account and a 140,000.00 line of credit to be established in my LLC. They did so without the signature or authority of the Companies some managing owner. As a result over 365,000.00 is Cash and other Damages resulted. I would not deal with BB&T, think about it. If their name was so reputable why then the need to change it to "Truist". This Bank has serious issues and they never have paid for their own fraud and altercation of documents. Hide and cover that's what they will do.


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This is one of the worst banks I have experienced working with in 30 years. Rude and unknowledgeable staff, ridiculous online services, lack of response, and decline on services with no reason. Even the district Director of Virginia is clueless about his job. Absolute disaster! DO not sign up with this bank. You will be taken for a ride! it seems like we need to give the bank the training and knowledge and service as opposed to them providing it to clients. It is absolute Chaos and mess now that they have merged with Suntrust! RIDICULOUS!


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I am a current depositor with an account at BB&T and have been for over 20 years. Recently I went I in to cash a check. I was given problems when the cashier denied my federal military ID, & my Sheriff Department retired ID. The teller said, I know you are a current depositor but we only accept drivers license. While I have a drivers license it is now the principal of the situation. So customers with accounts at BB&T have no value to BB&T perhaps because of the trust merger. Warning bank somewhere else. There is obviously something seriously wrong with BB&T.


