# migrations

dir: embeddings_queue
filename: 00001-embeddings.sqlite.sql
hash: d3755dfd232be8e8301f4d7fcfb3a486
sql:
CREATE TABLE embeddings_queue (
    seq_id INTEGER PRIMARY KEY,
    created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
    operation INTEGER NOT NULL,
    topic TEXT NOT NULL,
    id TEXT NOT NULL,
    vector BLOB,
    encoding TEXT,
    metadata TEXT
);


dir: sysdb
filename: 00001-collections.sqlite.sql
hash: 38352d725ad1c16074fac420b22b4633
sql:
CREATE TABLE collections (
    id TEXT PRIMARY KEY,
    name TEXT NOT NULL,
    topic TEXT NOT NULL,
    UNIQUE (name)
);

CREATE TABLE collection_metadata (
    collection_id TEXT REFERENCES collections(id) ON DELETE CASCADE,
    key TEXT NOT NULL,
    str_value TEXT,
    int_value INTEGER,
    float_value REAL,
    PRIMARY KEY (collection_id, key)
);


dir: sysdb
filename: 00002-segments.sqlite.sql
hash: 2913cb6a503055a95f625448037e8912
sql:
CREATE TABLE segments (
    id TEXT PRIMARY KEY,
    type TEXT NOT NULL,
    scope TEXT NOT NULL,
    topic TEXT,
    collection TEXT REFERENCES collection(id)
);

CREATE TABLE segment_metadata (
    segment_id TEXT  REFERENCES segments(id) ON DELETE CASCADE,
    key TEXT NOT NULL,
    str_value TEXT,
    int_value INTEGER,
    float_value REAL,
    PRIMARY KEY (segment_id, key)
);


dir: sysdb
filename: 00004-tenants-databases.sqlite.sql
hash: 048867ce8fcdefe4023c7110e4433591
sql:
CREATE TABLE IF NOT EXISTS tenants (
    id TEXT PRIMARY KEY,
    UNIQUE (id)
);

CREATE TABLE IF NOT EXISTS databases (
    id TEXT PRIMARY KEY, -- unique globally
    name TEXT NOT NULL, -- unique per tenant
    tenant_id TEXT NOT NULL REFERENCES tenants(id) ON DELETE CASCADE,
    UNIQUE (tenant_id, name) -- Ensure that a tenant has only one database with a given name
);

CREATE TABLE IF NOT EXISTS collections_tmp (
    id TEXT PRIMARY KEY, -- unique globally
    name TEXT NOT NULL, -- unique per database
    topic TEXT NOT NULL,
    dimension INTEGER,
    database_id TEXT NOT NULL REFERENCES databases(id) ON DELETE CASCADE,
    UNIQUE (name, database_id)
);

-- Create default tenant and database
INSERT OR REPLACE INTO tenants (id) VALUES ('default_tenant'); -- The default tenant id is 'default_tenant' others are UUIDs
INSERT OR REPLACE INTO databases (id, name, tenant_id) VALUES ('00000000-0000-0000-0000-000000000000', 'default_database', 'default_tenant');

INSERT OR REPLACE INTO collections_tmp (id, name, topic, dimension, database_id)
    SELECT id, name, topic, dimension, '00000000-0000-0000-0000-000000000000' FROM collections;
DROP TABLE collections;
ALTER TABLE collections_tmp RENAME TO collections;


dir: metadb
filename: 00001-embedding-metadata.sqlite.sql
hash: 2b4cf52c4bb2676e21d6860a4409f856
sql:
CREATE TABLE embeddings (
    id INTEGER PRIMARY KEY,
    segment_id TEXT NOT NULL,
    embedding_id TEXT NOT NULL,
    seq_id BLOB NOT NULL,
    created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
    UNIQUE (segment_id, embedding_id)
);

CREATE TABLE embedding_metadata (
    id INTEGER REFERENCES embeddings(id),
    key TEXT NOT NULL,
    string_value TEXT,
    int_value INTEGER,
    float_value REAL,
    PRIMARY KEY (id, key)
);

CREATE TABLE max_seq_id (
    segment_id TEXT PRIMARY KEY,
    seq_id BLOB NOT NULL
);

CREATE VIRTUAL TABLE embedding_fulltext USING fts5(id, string_value);


dir: metadb
filename: 00002-embedding-metadata.sqlite.sql
hash: 12a570f7121b3a8ce750a2a7c36da20f
sql:
-- SQLite does not support adding check with alter table, as a result, adding a check
-- involve creating a new table and copying the data over. It is over kill with adding
-- a boolean type column. The application write to the table needs to ensure the data
-- integrity.
ALTER TABLE embedding_metadata ADD COLUMN bool_value INTEGER


dir: metadb
filename: 00003-full-text-tokenize.sqlite.sql
hash: f97ad6334aeaa8f419f01110b648b97a
sql:
CREATE VIRTUAL TABLE embedding_fulltext_search USING fts5(string_value, tokenize='trigram');
INSERT INTO embedding_fulltext_search (rowid, string_value) SELECT rowid, string_value FROM embedding_metadata;
DROP TABLE embedding_fulltext;


# embeddings_queue

created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ac0d8fafd719499293ce8162aac433ff
encoding: FLOAT32
metadata:
{"chroma:document": "Very easy to use to view statements and make online payments. Your representatives have been courteous and helpful when I have called with a problem. And when there have been questionable charges on my account I have been contacted immediately. I would definitely recommend Merrick Bank to other family members and friends!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4f6a82e058924cd7b15c46202d3571a5
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has always been good to me for business. I can rely on Merrick Bank to make sure I have a great Banking experience. Merrick also rewards me with credit increases when they see that I have been credit responsible customer. I'm pleased with their service. I would recommend Merrick Bank to anyone who's also looking to build their credit."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: bf91255bdefb401787e6658cbcf395a8
encoding: FLOAT32
metadata:
{"chroma:document": "Times are tough for everyone and I have worked very hard to get my credit restored. Due to BOA antics I had to file for bankruptcy twice in 6 months and both times I asked to withdraw and the judge did so and recused both. However, I have written to bureaus several times for it to be removed from my file to no avail. Because of this I have a higher interest rate and I have to accept it until that is removed from my credit file. All in all, I am grateful for the credit line to rebuild my credit. I have always made payments on time and more than minimum due. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f4eed85fb0a94223af360bf039c853fc
encoding: FLOAT32
metadata:
{"chroma:document": "I can not asked for a better Credit Card Company, Merrick Bank has been the PERFECT situation for me and I am truly grateful to be a customer and to be a part of beautiful customer service that you give. I NEVER had to call to asked for a credit increase and anytime I had a problem with anything you guys ALWAYS took completely great care of me. I want to say thank you and keep up the wonderful work. I wished you had a bank that I could deposit money into because Merrick Bank would my personal bank and I will do ALL my transactions to you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7cab3b270f8e4fbca31437640fd2dd9e
encoding: FLOAT32
metadata:
{"chroma:document": "Updated on 02/10/2023: I was happy to sign for a new credit card by Merrick to continue to grow my already good credit score of 730. Merrick sent the card, I used it and made my first payment right away. I used it the second time and wasn't aware when payment due dates. I noticed a huge drop in my score of 79 points, that was listed to Merrick said I had a late payment,...but I never received a payment due date. I immediately paid the balance of $190, called them and customer service rep. said my due date is the 9th every month. But it was listed Nowhere on the original paperwork I was sent with the credit card. I wrote a letter asking them to delete the late payment on my credit and I'm Still Waiting for that correction to my credit score!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 863390fec6bd4aac84e11e67c33722be
encoding: FLOAT32
metadata:
{"chroma:document": "Overall I enjoy the card and use it over most of my other cards, my husband had one and I he was very happy with it. They always followed through with increases as mentioned when signing up or applying for card. He uses his quite often also. I applied and was approved and got my first increase like they said I would, I never miss a a payment and pay early but for whatever reason my increases stopped for no reason. I have waited thinking I was off on when I would get one but still nothing. Either way it's still a great card. I use it often. It offers cash back and is accepted anywhere I shop online or in store and it's secure. Have never once had hacking issue or fraud charges."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: cd7b9eb8c36c41dca2966557eb0d83e8
encoding: FLOAT32
metadata:
{"chroma:document": "What started out as a not so good experience turned out to be excellent. After about 4 tries to get a rep I finally got Omar. He is the epitome of what a customer service rep should be. He was courteous, knowledgeable, and helpful. Whomever the HR person that hired him take a bow and be on the hunt for more. Omar represents Merrick Bank well. He restored my confidence in your services. If I ever need customer service again, Omar is the only way that I would like to talk to, even though I know that will probably be an impossible task. Take a bow Omar, you are an original."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b37f07e9f9c74cdda9d82f00d1f2e4f9
encoding: FLOAT32
metadata:
{"chroma:document": "Absolutely wonderful. Definitely recommend this card to anybody. Absolutely no issues with it and great service all over. Really glad I chose to get this card and hope to continue using it for a very long time. I have no complaints at all. You can use the card all over and it's widely accepted. It has nice designs and I've had no issues."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4d06d47cdf0449719b9c1ef8b7bac995
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Merrick customer for about a decade now. There has never been a problem, dispute, or even a call to customer service. In this day and age, that is phenomenal. Truly happy with this company and have recommended them to many friends. Thank you for your continuing service."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 628b79dfc82b4012a54a43e67872c01c
encoding: FLOAT32
metadata:
{"chroma:document": "I have only been with MB a short while, so my experience is limited. But everything is going seemingly well. The information I receive is timely and my card records are always up-to-date. I would recommend MB to friends, and I hope that we will enjoy a lifetime relationship. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 202060f0daa84da49cf44b596095efcd
encoding: FLOAT32
metadata:
{"chroma:document": "Haven\u2019t been with you that long. So far so good. I guess it\u2019s my fault for not reading over my agreement and accepting guidelines. So I think I was late on first payment. Which unfortunately I really could have used a higher credit limit. All in good time I guess."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ee5947d9baa241d08089ff93ed767550
encoding: FLOAT32
metadata:
{"chroma:document": "Satisfied with experience. I would like a greater credit line, considering the length of time I had the card, also, I believe that the annual fee should be removed. I like the credit card and continue to use it, but, the credit line leaves something to be desired. It would be nice to receive a credit line increase of $5,000.00 or more."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 820a2f67f9724a4aa3cbe37c35751e95
encoding: FLOAT32
metadata:
{"chroma:document": "I needed assistance freezing a misplaced card and the service advisor was super helpful. The service advisor also explained how to go into the account and remove the freeze when necessary so, I didn't need to call back. It was easy going back to unfreeze the card as well. The service provided was excellent."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f3d91a8d2471406685a9f2a3549e7183
encoding: FLOAT32
metadata:
{"chroma:document": "I have been very happy with Merrick Bank. I would recommend Merrick Bank to friends and family. I have not had to call for customer service or needed any help as the app is very clear and most of my questions I have had have been answered in the FAQ section."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 75cdc08209194b06999b271b05c0f4ef
encoding: FLOAT32
metadata:
{"chroma:document": "When I called to find out what to do when I had charges on my bill that I didn\u2019t make. I was angry, I was then transfer to an agent. I was put on hold and told to wait for the next available agent. It was 30 mins so I waited 35 mins. At that time I hung up without talking to anyone."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 46971f9a199c4aedac4ae7aa9a2e5f6b
encoding: FLOAT32
metadata:
{"chroma:document": "Was promised double my credit amount. I\u2019ve made on time payment. I requested an increase and got $200 increase. My limit was $600. Just false promise of the reason I signed up. I called about it and it\u2019s because my autopay glitched and didn\u2019t pull out of my account like it was supposed to. So I made on time payment for 6+months. And I got $200 increase, not the double. It\u2019s just poor experience especially when I\u2019ve paid on time and have used the card. Also you would NOT get rid of the late payment. Even though it was an issue with your system."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d6209f2232ff43c482a4000df4cca3b8
encoding: FLOAT32
metadata:
{"chroma:document": "The relationship between myself and the company is still new. Decent start to the credit line and I will patiently wait for the credit line to be doubled within 1 year per the agreement. If that does happen I will keep my end of the deal and make all payments on time and promote the company with even more positive reviews."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 840c489aa8da43e9adec4e36ff5c334a
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick is very transparent about your credit and billing and also offers solid advice on rebuilding your credit. The interest rate for me wad fair and they even tell you about keeping your spending on the card under 30 percent to help with your credit. I highly recommend merrick bank to anyone looking for a good credit card which also rewards you for paying on time."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2137f528d0a54255a78e7acaff134bde
encoding: FLOAT32
metadata:
{"chroma:document": "Their app is very easy to use and comes with a free fico score review every month. Talking to their customer service is also usually very easy. You can apply for a credit increase every 6 months. If you're on time with your payments they may increase your credit line automatically within that period."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 12c8ca81ee0f4ddfa6f569019a49a5e7
encoding: FLOAT32
metadata:
{"chroma:document": "Very helpful personnel on phone and in person. Love I can transfer money to family with a couple clicks. I appreciate the ability to make an appointment if need be and not wait for a opening to discuss account. I also like how close it is if I need to talk or do business."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fb25e2e8c4bf41659b04fc0dfac992e2
encoding: FLOAT32
metadata:
{"chroma:document": "From the beginning I've had a good response from them. My initial card was approved quickly and sent quickly. Just recently, they reported to me charges that were suspicious. They weren't mine so they quickly restored them and VERY quickly, I got my new card. I'm happy with them. This is me, no incentives to write it."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 122d9ce8600b4949846ac2230baf7ea9
encoding: FLOAT32
metadata:
{"chroma:document": "Had a few fraudulent charges appear and they handled it immediately. Thanks. Canceled my card and sent a new one that I received in 5 days. Overall in the past 5 years I've received plenty of help when needed. I changed address recently and it was handled by a well spoken professional person. Again thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: dce4556bfbdb437f963539601e412364
encoding: FLOAT32
metadata:
{"chroma:document": "The website is very easy to use and easy to find what you are looking for whether it be to enroll in paperless billing or make a payment. The payment process is very easy and quick and it is painless to update payment information if changing a bank or using a new checking or savings account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 57355dba436740e48965ecf7750daa19
encoding: FLOAT32
metadata:
{"chroma:document": "Very wonderful experience since I've been a member. Keep up the great job. I've shared my experience and referred several people to the bank. My customer support experience is just as great each time I have called which makes things a lot easy to enjoy."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 15e7f7aa6c044987bc43c1f2bd420f0e
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank card has been good for me. I get periodic increases due to my pay history and great standing. The app is helpful and easy to use. I have only two concerns / complaints. 1. My card is broken and the app will not let me order a replacement one. 2. When I call the 800#, it does not give me an option to speak with anyone. Have NEVER been able to get ahold of a live person."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 42f65eb04cff443c86d898f1a1822215
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick was the first bank that allowed me the chance to rebuild my credit after an unfortunate business bankruptcy. They even raised my credit limit because I've kept my payments on time. The only thing I'm sad about is that they changed the Visa to Mastercard. I'm very grateful to Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1246959837b043d7895e6e81a14eba61
encoding: FLOAT32
metadata:
{"chroma:document": "Every time I try to make a payment with my card it takes the money out then puts it right back into my account and shows that I haven't paid. I make my payments early every month and it doesn't show that I make any with your company! I don't like that especially because it brings my credit score down."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 77f41905e80d4cc4b16aa12850fb056a
encoding: FLOAT32
metadata:
{"chroma:document": "I like the ease of how my bill has been easy to pay online and I appreciate the credit line increases. But what I HATE is dealing with overseas call centers for customer service. I don't understand how you guys cannot use US BASED call centers because when I first started with you guys that's who I talk to but then they told me that you guys opened up overseas call centers instead as an option which should have never been done-- I don't understand them and it frustrates me when the US BASED call center worked great before and made your company stand it and I told my friends about your card during that time but since then I have that bad decision to open up foreign base call centers I have not mentioned your card to anyone."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 40c583b29adf42bb9f4066fc24279a3d
encoding: FLOAT32
metadata:
{"chroma:document": "It has been an absolute pleasure to have this card! When things went sour in my life the representative was there to assist and find me a solution!!! You are the BEST!! I appreciate the limit increase as well!! The representatives are very welcoming. Professional, courteous and understanding! I sure am Happy I have them by my side."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 12ae841f684c40b7b9847ad1fa4ab0b8
encoding: FLOAT32
metadata:
{"chroma:document": "Been very happy with this card from the day I got it until now. So keep up the good team work. Plus if any friends all about wanting a good credit card I will tell them right away about the card I have now. And all the features you can get out rewards you can earn by using the credit card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 716b6761aef04d60b4e373fec4b6d070
encoding: FLOAT32
metadata:
{"chroma:document": "Very pleased with Merrick Bank MasterCard. I'm kept posted to my phone on my balance. I get my statements on time by email and to my phone. When I disputed charges to my card it was handled in a professional manner. My card was canceled at that time and a new one was shipped to me in a timely manner."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 49e5393935c64a27be2cb11bd1721722
encoding: FLOAT32
metadata:
{"chroma:document": "Very pleased with my Merrick Bank Card. Just wished the interest rates were a bit lower with the way the inflation is. Would recommend this card to anyone looking for a good card to help them through these tough times and the future. Automated system is easy to navigate through. Customer Service is AMAZING also.."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d185428d8fd546d88b9318fce26348be
encoding: FLOAT32
metadata:
{"chroma:document": "I have never had any issues with this card, they have done everything they claimed they would do which was raise my credit score and increase my credit limit with time. I have recently been talking to my daughter about getting this as well as soon as I figure out how."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8b39a77d3dc445ceb28e4b35feafecb2
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick helped me with my credit score and also didn't take forever, like other credit card companies to increase my credit line. I would recommend this company to my friends and family. If anyone does acquire a card I would suggest downloading the Merrick app. It's convenient and easy to use to make payments."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: abdb3846e2aa4257bdbf85b7680b1750
encoding: FLOAT32
metadata:
{"chroma:document": "You guys are great. I went to a donut place and was overcharged and my donuts were horrible and after many attempts at trying to get my money refunded from the store and being hung up on by the manager I was frustrated and thought I was gonna take a loss but thanks to your helpful customer service my money was credited back quickly to my account. I will not only continue to keep my card with you but I will recommend you to friends and family."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 66bd26058be640dbb0523bc5934d77c2
encoding: FLOAT32
metadata:
{"chroma:document": "Easy to use and great customer service. Can look at FICO SCORE and the app is super easy with a quick glance option to enable to see your availability, amount spent and total limit. Information is secure, and low APR/ interest on transactions. Never had an issue with the card! I would recommend to anyone to get this card!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ead9d1222727432c8c1d920d6ce1cb3f
encoding: FLOAT32
metadata:
{"chroma:document": "I might not recommend to friends because they can get lower interest rates and I cannot. So maybe if the right person came along. I took this card because you let me. At a significantly higher interest rate. But as far as service, it's been very nice. I'm very glad to have this card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 07b4ccabd58a47c08e29aea2466ec955
encoding: FLOAT32
metadata:
{"chroma:document": "I am fairly happy with Merrick Bank, great customer service, always super helpful when I need to contact a consumer representative. My only wish is there was a faster way to increase my credit line, like an auto 3 to 6 month increase or a way to increase our levels to bypass the monthly service fees, these can be quite annoying when you pay your card off and then get another bill for $4.00."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0f359f8535894de98574f8222603930d
encoding: FLOAT32
metadata:
{"chroma:document": "I've only been a customer of Merrick for 2 months so far and I've had zero issues. I'd definitely recommend to a friend. It's even no hassle to pay the bill. So many places don't accept prepaid debit cards to pay bills but Merrick Bank does as some of us do not have regular bank accounts. It makes it so convenient."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 440cfe4ca42b4407b43b19baa34dae7a
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had Merrick for about 5 years, for the last year my card had a block on it due to suspicious activity. I was working 80+ hours a week due to staffing issues around this time and wasn\u2019t able to get the information together that they needed. About a month ago I was able to call them, get them the information and they unblocked my account. Today I received a letter stating they closed my account due to inactivity and it was not allowed to be reopened. I had no balance on it, I was never late with my payment up until it was blocked I used it regularly and that\u2019s how they treated me (they didn\u2019t even give me a warning that it would be closed). When I called, I was treated like I was this horrible person. I won\u2019t use this bank again! I honestly have better credit cards than Merrick Bank, it\u2019s just the point that this is how they treat their customers that pay on time."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c092e31512d04736874539e3611ab38c
encoding: FLOAT32
metadata:
{"chroma:document": "I've been a customer for more than 7 years with this company. I received a letter yesterday stating that my account had been canceled due to no activity. This was done with no warning whatsoever and will have a negative affect on my credit rating I currently have good credit. I called the representative with absolutely no help from him and he agreed that they should send out warning letters that your account will be in risk of being canceled if you did not use your card. I've never had this happen in 40 years of having credit and credit cards from other companies. Everyone needs to be aware of hidden policies that these companies have."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0668106e276e4719b9dc0e4232c12128
encoding: FLOAT32
metadata:
{"chroma:document": "Wait times for customer service can be extraordinary long and unreasonable. Fraud department needs to transfer you back to customer service to finalize a report and you may not get through. No access from abroad to app or desktop site. Just doesn't ever load."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ddc5fcb154184bff9f9933594c77ee8f
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{"chroma:document": "In the month of May, a credit card was sent, but I never received it. I requested another, which I got in July. When I tried to use it, I found out it was blocked. After complaining about that, I was told I had an outstanding balance. How can that be?"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 465c155f1063483da96bcf71b5fa2f6f
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metadata:
{"chroma:document": "I find working with with them very easy. They're always very informative and pleasant to speak to. Yes, I would recommend to friends and family! I'm very glad to have my credit card with them. I wasn't sure I wanted another credit card, but after I got it, I've been very happy with it!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 300b686048164ed398b419448c8c0bca
encoding: FLOAT32
metadata:
{"chroma:document": "In my experience with Merrick Bank during the time that I have been a customer I've gotten nothing but great service. The way I've handled my business has continually been rewarded and I'm very satisfied. I've not had any type of problem that I can think of.. All I can really say is that it's a great card to have in your wallet. My husband also enjoys the benefits of his. I'm not sure what else I can say except thanks for the opportunity you have given us both."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 04ce05598fdc44a3a5f3f61169389470
encoding: FLOAT32
metadata:
{"chroma:document": "Would definitely recommend Merrick Bank. I Love Merrick bank because you get incentives for using your card wisely and you get an increase on your card for paying your bill on time. It's a card you can use for paying bills, purchasing gas, buying groceries or whatever your every day needs might be. Definitely would recommend to a friend."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4829c2749e2c47a383e2a24590f56c4b
encoding: FLOAT32
metadata:
{"chroma:document": "The card is easy to use and I've never had an issue using it anywhere. The App is easy to use and understand when checking your balance of available credit, when looking up purchases and when making payments. I love this card and would recommend it to friends and family."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 27c122639b3b4a0dac553d8e3f917121
encoding: FLOAT32
metadata:
{"chroma:document": "All was polite and friendly. Knows the rules and policies and procedures. Can help you with any and all problems. I like the ability of the workers that know their job and can help me with any and all problems that might come up. I would highly recommend you and your employees as very hardworking crew."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a7a5d2bb918f4c45aa57546b0b4e3d38
encoding: FLOAT32
metadata:
{"chroma:document": "Yes, This card is helping to re establish my Credit and gain self dependence once again. It was offered to me and approved when I needed help the most and I do appreciate it and I am going to keep this account for a long time to come. Great customer service and website along with the app for your phone."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1ed41b22bc9a420a943f9d0833204651
encoding: FLOAT32
metadata:
{"chroma:document": "Been a great card so far, trying to get my score back up to snuff, Merrick Bank approved me when others would not, I use the card when I need to and pay it off asap, it\u2019s been great to have it when I need it. Can\u2019t wait until my limit goes up so I can use it for larger purchases."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 25e917ab3964477fb09843a39edeaa0a
encoding: FLOAT32
metadata:
{"chroma:document": "To this point I have had nothing but good experiences in my dealings with Merrick Bank. I have a credit card through them and have had nothing unexpected present itself. Based on my interactions I would feel comfortable in recommending Merrick to others. Transactions are seamless and their app is easy to use while being convenient."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 79279dc12adb4946a39bc46c5b28ee39
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019m very happy with Merrick. I would recommend this card to all friends and family. Thank you for doing business with me. They even gave me an increase after paying on time. I plan on closing many of my other cards, but Merrick I will definitely keep. Thank you again."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9bffb20c33784cb881e1d3325ba95f49
encoding: FLOAT32
metadata:
{"chroma:document": "The online process is great! The problem I have is the card is not recognized when paying at the pumps for gas. The reader has a hard time identifying the account #, it takes many attempts to get it to work! Sometimes I just use a different card. I know this is something I should call customer service about, just can't find the time."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e09bc04ced894afb85ed7c9cb7b0aa83
encoding: FLOAT32
metadata:
{"chroma:document": "It is a good card to have in your wallet and I never had any problems using the card. The card is a great card to use anywhere in the us and out the country. I don't leave home without this card at anytime. Good card to have in your possession."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8baf6120ad5841dda6977c0e109d03ad
encoding: FLOAT32
metadata:
{"chroma:document": "I wish there was a limit increase button on the website. My husband has his card nearly two years and has never had a limit increase. Is there a reason for this exclusion? Other than that, I love this card. The customer service department is great as well. I would recommend it to a friend."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b2ac7be572ec485a98101596ccd10841
encoding: FLOAT32
metadata:
{"chroma:document": "I am very pleased with Merrick Bank and the ease of navigating through my account on line. I am pleased to recommend Merrick Bank to anyone asking about my experience. Merrick was the first company to help me rebuild my credit with a starter $300 account. This was the first step leading me to now have as much as $5,000 and $10,000 lines of credit available at a couple of institutions. Thank you Merrick for the helpful re-start."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3987d52b382e452ea99d95f465251379
encoding: FLOAT32
metadata:
{"chroma:document": "I have been very satisfied with the service from Merrick Bank. I have never had a problem, everything works perfectly. Statement comes in a timely manner and can be paid online. Statement is received online so no need for checks in the mail. I like the security of no paper to shred or any mail to be lost or stolen."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b3ddd5780a3e40d2a4b7a485c49c27e6
encoding: FLOAT32
metadata:
{"chroma:document": "Largest 2022. I have available credit $769.00 according to ATM withdrawal Failed attempt. They are on my credit as delinquent as well an account opened 16th and account opened 17th. I only had one account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 25200fce7a4a4e12b74f04d7a2f36b43
encoding: FLOAT32
metadata:
{"chroma:document": "I love my Merrick credit card. It's the best one of several of my credit cards because of its cash advances and credit limit. Thank you Merrick. For the outstanding job and your app is easy to use and very convenient. I use it all the time and some time I take advances to help me pay other bills that I need to pay off in cash."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c9216ff6f31e4f50b8778870796f1e8e
encoding: FLOAT32
metadata:
{"chroma:document": "You guys are thieves and I hate this company and I'll never recommend it to NO ONE. THANK YOU FOR NOTHING BUNCH OF THIEVES and I hate to call you guys coz it's nothing but machines answering the phone so you guys suck donkey."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7a8839483b7141cb9f63581ee2404f9f
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick gave me the opportunity to show I am in a better financial situation. I didn\u2019t disappoint them and got an increase within six months! They helped me get back. I\u2019m on my feet. I would strongly refer them to others in my situation and look forward to a continued relationship with them. Thank you Merrick Bank for being my financial partner."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 73c5b9f9968c45258c615dc7e355052f
encoding: FLOAT32
metadata:
{"chroma:document": "This can't happened to a customer. I spoke to a representative customer service a few days ago. I think it was the 7 or the 8 of July try to fix the problem about fraud in my account, I told him it wasn't me who did this transactions for $39.99 and $12.99 and the last one for $39.99 again. I think it was a Fraud department Representative and he transfer me to a new card department and that's when the nightmare started and I was waiting forever. Nobody pickup the phone for an hour and then somebody pick up the phone and I said hello and then they hang up the phone on me. I felt insulted by a Merrick Bank representative. Now I need a new credit as soon as possible. It should be more representatives working in that department. And that's the reason the I am unhappy with Merrick Bank, please kindly send me a new credit card, any question call at my cell #** or email me at **."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 93180acefad0440cb696a601d165ee65
encoding: FLOAT32
metadata:
{"chroma:document": "I was happy when I signed up. I use your card often and I'm very happy with it. I originally had a little problem but it was just because of some stuff that I had to change because of a phone number. Other than that everything has been great and I'm very happy with your service."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ca07d899c3364c72950fddc53c2e3e80
encoding: FLOAT32
metadata:
{"chroma:document": "Have had an account with Merrick Bank for several years. Have been very happy with the service, communication and benefits that Merrick Bank has provided. Would definitely recommend Merrick Bank to anyone in the market for a financial institution. Whether it is for a credit card savings or checking account or a loan."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 54d494dad91d4d768fd5bc6daa64936f
encoding: FLOAT32
metadata:
{"chroma:document": "When I accepted your card, I did so thinking that I would get a decent credit line increase, if I paid in a timely manner. Keeping my balance at 30% doesn't allow me to do much of anything when I'm traveling. If I had to do it all over again, I would not have accepted your pre approval.."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: aeaf1c707fbc46b8b404f486faa12fdf
encoding: FLOAT32
metadata:
{"chroma:document": "It takes several days to get a notification that my card has been used for a purchase. I have other credit cards with other banks and I get notifications in a few seconds after I make a purchase. When it takes days to get notification from Merrick Bank I have to think to myself, did I make that purchase or does someone have my account info and making unauthorized purchases. So if Merrick Bank could speed up how long it takes to get notification of each purchase that would make me give a 5 star."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 15df471e459a4ddfacf6eb2240243ab6
encoding: FLOAT32
metadata:
{"chroma:document": "Easy card to get, although expensive. I would suggest you offer incentives to those who pay on time, like annual fee waiver, you are already getting an incredibly high interest rate, perhaps those who pay on time, get a rate reduction as an incentive to stay on target, the credit bureaus are not so generous."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 93c069df9abd40699ffa437d986b9505
encoding: FLOAT32
metadata:
{"chroma:document": "I actually really like my Merrick Bank Card. I like the fact that I can see my credit score and review ways to improve it. But if I could add something to make it a 5 star rating, it would definitely be to add some type of rewards program to the account. This would give me the incentive to use it more. Everything else is great."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: cc7c6f4027bb4a19940195c4e6878fa2
encoding: FLOAT32
metadata:
{"chroma:document": "High interest rates. Yearly fees don't help. Hard to pay down. Interest rates never gone down and never missed a payment but yet Interest always stays high. Will be trying to get it paid this yr and move on. The yearly fee is a pain. You would think it would be dropped but it doesn't look like it will ever be."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d8f2d597f98f499cb41e53e9345cadf0
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank is the best bank ever. They gave me credit when most wouldn't. I had unknown charges on my account and they helped me get it straight and I am forever grateful. When I talk to people on the phone they are so kind I feel like I'm talking to a friend. I think this bank deserves 10."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5cd4ca8762744ca090118d2e727cf456
encoding: FLOAT32
metadata:
{"chroma:document": "A complete nuisance with all your ads just to try to pay my bill. I was on the phone for over 30 minutes just trying to pay my bill. It should not be this hard. I had to press the pound sign so many times. Why?Why?Why? Your special offers are horrible."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6088b30f5df74de9b7409a0cc211dbaa
encoding: FLOAT32
metadata:
{"chroma:document": "Great Service. Easy to work with. No problems on trying to get payment in. I've had great service with him. As long as I've had them I would recommend you guys to everybody else that I know that does not have your card. Great! Increases when you don't expect them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f155c30b02db4a92883c5063e4007292
encoding: FLOAT32
metadata:
{"chroma:document": "Don't use it like I use to, only when I really do need it. So not much to say on that. Just trying to pay it down to a reasonable amount owed. I like my choice of pictured card.. Don't care for the color. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c3bf2912a37c4b019d3f50a11194a4cb
encoding: FLOAT32
metadata:
{"chroma:document": "Very easy to access app. Decent credit line to start with. They reward you with good payment history! Communication emails with payment made and statements available. Their app is extremely easy to use. I just can't say enough about Merrick Bank, they just make everything so easy. When life is busy you don't have time for frustrating apps, etc and with Merrick Bank you don't have to worry about that!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d49424984fb64da8b592127ee0360c63
encoding: FLOAT32
metadata:
{"chroma:document": "My husband and I were out of town on June 29, 2023, this was 2 days before my Merrick credit card payment was due. I panicked because I was used to making the payment online, and I remembered I did NOT bring my laptop with me. I decided to call Merrick to make the payment on the phone. The representative that answered my call was very professional, pleasant, and very helpful. Keep up the good work."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3f9926fcf9554e0ba2745ee54465f6f3
encoding: FLOAT32
metadata:
{"chroma:document": "I am and have been very pleased with my Merrick Bank credit card. Since I have never needed to contact a customer care person, I don't know how accessible, live or immediate customer service is. I would hope this service is available. The APP, however, is easy to use, and making payments online is as well. It is."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 51571eb96b354a4b95a1efecb6992487
encoding: FLOAT32
metadata:
{"chroma:document": "The interest rates that Merrick Bank charges should be reviewed carefully. They start off with a low interest rate then gradually increase it even with excellent credit and no missed payments, a 30% interest rate on purchases is unreasonable and ridiculous. Merrick Bank should reward excellent customers. Instead they continue to increase the interest rates every time there a flux in rate hikes. This is not good business."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e1e9ac9f4e33464bbbcc10a26c10415e
encoding: FLOAT32
metadata:
{"chroma:document": "I happen to love how Merrick Bank does business- They are very customer service oriented and always a phone call away. I like that they increase credit availability at random and is fair about it- I also like using Merrick Bank card - It\u2019s my go to MasterCard and like that it\u2019s safe to use anywhere."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b53ad09d19504675837980123c01ebb2
encoding: FLOAT32
metadata:
{"chroma:document": "I would recommend a friend. I give you guys 5 stars. I have been very pleased with my experience with Merrick Bank. Look forward to a long lasting relations and my wife has been pleased with your service. You gave me a card at a time when I was rebuilding my credit and you gave me a chance."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e9903ba61e624b789c5fc330aeb1115d
encoding: FLOAT32
metadata:
{"chroma:document": "This card is well recognized when I use it. It has great customer service, and makes me feel like I am a valued customer! I love the card as well as doing business with this bank and highly recommend it to all my friends and strangers alike. If you do not have this card then get on the ball and get on- you are missing out!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b25344a7839a4f28a30c77c8ca957298
encoding: FLOAT32
metadata:
{"chroma:document": "I love my Merrick Bank credit card and the company. I have not had any issues and if I have needed to make contact with them; they are always helpful and courteous. My account is reviewed on a regular basis and I am given increases to show how well I manage the card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6d3d75958e8f429299f942e9a3e429d5
encoding: FLOAT32
metadata:
{"chroma:document": "My time has been good and have enjoyed using my card since I opened my account with your company. Would like to see a credit increase more often for on time payments as an incentive. My service has always been good and helpful whenever I need to check on my account. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 13f011793ea8473a91952b5fd4ae9479
encoding: FLOAT32
metadata:
{"chroma:document": "It was easy and simple to use your web site to make my payment online. I would recommend using the web site to anyone who has a credit card with you. I have used your website every time that I need to pay my credit card bill and it was so easy for me. After making my payment online with you I received my credit immediately and received a confirmation right away. I would recommend your bank services online to anyone who has an account with you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 578f4600a72d4c158dda6d160e7ce0a9
encoding: FLOAT32
metadata:
{"chroma:document": "I am happy with the service. I love the telephone banking. My payments are processed quickly and get my updated information by the next day. My statements arrive on time. When I have dealt with a representative, they were helpful and knowledgeable. I like that there is no membership fee, also my account is closely monitored."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0534bf2060e742979ac33a01d1cae61c
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metadata:
{"chroma:document": "Beware of Merrick Bank business tactics. First, if you schedule a payment on their website, they will hide the scheduled payment from you on their website in an effort to get additional payment. Second, if you enroll in automatic notices, they will NOT send you reminders so they can hit you for late fees. Third, their monthly fees, even if you have no balance, is usurious and should be prohibited."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5be2c08fef7944a38950c37a66d99af5
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{"chroma:document": "This credit card, by far and large, has been the easiest card to have and manage. I got it to help repair/build my credit and they have given me credit limit increases without me having to ask for it. I don't get spam emails, no one calls me about anything, I get text reminders if I need them and the app is super easy to use. I haven't had a single issue to date, I'm really glad I got this card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Love this card, one of THE best cards I own. Quick and easy and the fact that they raise your limit makes it that much better. I\u2019ve had this cards for over 2 years and my and never once had any issues. Will refer this card to everyone I know."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8dc14371e54f4df3802117aa9f6cffbb
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metadata:
{"chroma:document": "This is an nice credit card to help build your credit to start off with. I'm pleased with it. No problems it. For a Mastercard it works out good in many places. I would recommend to people starting their credit."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: cd651aeda4134de780866302b3fa6bc9
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metadata:
{"chroma:document": "The Merrick credit card was the first card that I got and I\u2019m very satisfied with it. Always got what I needed and wanted with the card. Praises To My Lord! Thank you Merrick. I surely would recommend the Merrick Credit Card to friends! It\u2019s a credit card I can use anywhere and any time. Thanks again Merrick Bank!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I have had a remarkable experience with Merrick Bank's Credit Card and I am very happy with their professionalism in customer service. I would recommend to a friend. When I had an important question I did not hesitate to call and talk with the necessary department. When I called they helped me fix the issue."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I am very happy with the service I have received with Merrick. They have honored everything promised and they continue to provide more services without me having to ask. I highly recommend them to all. Give them a try and you will not regret your decision to give them your business. Your satisfaction is at the top of their list."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: bf3119330832415aa1d0eca20a890788
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metadata:
{"chroma:document": "Best and most responsible credit company I have ever worked with. They only give credit raises as they are earned and so keeping within your means. They have great customer service reps and are quick to resolve any and all issues that may arise during the course of doing business using their cards and services."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e143c0ffce14454f9d9bcd7536bd34c6
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metadata:
{"chroma:document": "I love everything about this card. The card itself, the website, the app and the live people who answer your phone questions. BEST CARD OUT THERE!! Would recommend to family and friends\u2026and I have. The app is so easy to use to pay my monthly statement. I can find my balance and available monetary limit easily."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Customer service has been outstanding. Any issues I have had with a purchase, they have helped resolve efficiently and quickly. I would absolutely recommend! The fraud department also helped cancel my card immediately when I noticed unauthorized purchases on my account that were not mine. I had a new card & account number in no time. They quickly investigated and fixed my account. Merrick has helped me reestablish credit after a bankruptcy."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 461300c12835450dab4dfb63044dcfb9
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metadata:
{"chroma:document": "I received my card and have experienced very positive credit ratings from the use of my card. That's very important in today's times especially now with inflation and the need to rely on your credit card in the place of budgetary challenges."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: cf6f6fff82af4bdb8935e93c253b51c4
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metadata:
{"chroma:document": "I can't say anything bad about this card. It's been awesome! From set up, to payments, to service. 5 stars! App is great, easy to use and understand as well as navigate. If you get the chance to get this card, do it."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 17a43f9ecd154310b9b8c8108dddeaf4
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metadata:
{"chroma:document": "When I signed up for an account it was a minimal amount and I didn't really think much of it. They have rewarded me not once but twice for being a good customer. This doesn't happen with other credit card banks. I truly am happy and would highly recommend anyone eligible to apply for a Merrick Bank credit card. Rewarding good behavior, what a concept. . ."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b4698057fbfd4a29bc39a147e928efcc
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metadata:
{"chroma:document": "I am not sure what factors are considered when issuing a credit line increase but I know Merrick Bank does not compare to other creditors that I have. Any time I have gotten a credit line increase it has been at least $1000 plus they offer cash back and other incentives but Merrick gave me a $200 credit line and doesn't at least offer"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: abe4366bf37249aca7a9bdba0e9e450c
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metadata:
{"chroma:document": "They have always treated me fairly and professionally. I've had someone steal my info and use it. I reported it to Merrick Bank. They fixed the issue and returned my money. They have always been professional. I would recommend them to anyone."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0dd264d3389b48f0834288bd3fd97ed6
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metadata:
{"chroma:document": "I have been with Merrick Bank Visa card for like 7 years. I love it. They give you increase when you pay on time and do not be late on payments. They are a good new start card. Help build your credit. They report monthly to all credit companies."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4a2143cc3dc44e2da49a978c3e2cb201
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metadata:
{"chroma:document": "This card is easy to use and when I have had a problem such as replacing a card or asking about a charge the staff had always been very pleasant and helpful. I would recommend this card to others but do wish the interest was a bit lower."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b72585627c7e4366b9f119a1a2e0b589
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metadata:
{"chroma:document": "Was very happy that Merrick helped me with my issue of a product that never arrived and researching the site further listed it as a scam with a trust level of one out of a hundred. It's hard to know who to trust online these days."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 555428b998bc4a41ad234cf2d1fc6605
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metadata:
{"chroma:document": "I am very happy with Merrick Bank. I have not experienced any problems and I very happy with the regular credit limit increases. Having this card has helped me improve my credit score tremendously. I am looking forward to doing more business with Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7aad55271bc44fde887ef906fa686814
encoding: FLOAT32
metadata:
{"chroma:document": "I've been able to get regular credit increases as the company promised. Never had any issues that hadn't been resolved. I have been with the company for about 5 years and I highly recommend someone using this bank to help build their credit. You won't regret it!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c6820a35fa934952bc08d33ec08b8964
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metadata:
{"chroma:document": "Since Merrick, I became a member of the Merrick Bank credit card department it's been a good experience. The way my account has been serviced made me appreciate that I joined this company. The professionalism of the staff, provided services, and use of the mobile app ease has been friendly. Overall, Merrick Bank is is a great company. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8b431195fb9147a184b62a8bcefb588a
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metadata:
{"chroma:document": "Low-interest rates, easy to use when I need it at the right time. Easy increase over the long term. Paperless downloads. Plus, I can submit larger payment to help keep my balances in the good zone of 30%."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0496fa85bf654b029478a301a5cd567d
encoding: FLOAT32
metadata:
{"chroma:document": "Interest too high. Never try to work with me on any rates. I been with Merrick too long to be charged $4.00 monthly fee. Loyal customers Merrick could do a better job. Don't give cash back incentives. No compassion for low income customers. Your way or no way"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a6a63cb963bc4176aedde0d0b067364a
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metadata:
{"chroma:document": "Merrick works for what I need. I was mostly using it as an emergency card. However recently I started using it more often and finally started to get balance increases after several years of having the card. Pros: card is accepted almost everywhere. Cons: no cash back or rewards program, which lessens the incentive to use the card as often. Unable to request a credit line increase."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d69f2e08eb664099a0e2440eb05379e6
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{"chroma:document": "I have the Merrick Bank app on my Android phone (Google Pixel 6 Pro). I have fingerprint biometric login enabled. But every few weeks (or so) when I try to log in, the fingerprint authentication is turned off, and I have to go look up my password, sign in manually, and reenable fingerprint authentication. I have not cleared the cache or data within the Merrick app, and I have the phone set to auto-update all apps from the Play Store. Other than that, your service is excellent. Also, the app works perfectly every time, except for the fingerprint glitch mentioned above. Sorry for the 3 star rating, but please fix the app, and I will gladly rate 5."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7711a035762546c2be17991b508a19b9
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metadata:
{"chroma:document": "This company is a part of my financial life and I am pleased with the services that they provide. The billing statement always is explained so the receiver understands the information provided. I have been a customer for a long time and I am happy with the services provided."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I like the Merrick Bank Card because you are on my side. The payment options are straightforward to use, and processing is quick. I used the card for a big purchase, and they increased my credit line without asking. This is a sound card and a good company, and I look forward to doing business with them for a long time."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: dc6aea62298041de8b8ff369e348be14
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metadata:
{"chroma:document": "They are a great company to work with. They have have helped me every time I needed a credit increase especially one time I when I was traveling to visiting my grandkids. Anytime I call in to ask a question they are very responsive to my queries. I wish other companies would handle their customers service as well as Merrick."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f7e4415d344c4f269e54db523012f409
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metadata:
{"chroma:document": "Thanks for allowing me to increase my credit amount without having to do a credit check. This helped increased my credit score. I have successfully paid my bill on time and would like to know if you can eliminate the monthly fee on my account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7bf16dbe366b4df38298961559f35823
encoding: FLOAT32
metadata:
{"chroma:document": "I was offered this card with an opportunity to double my credit line after meeting the requirements. I am happy with the treatment I have received from Merrick Bank. They offer a credit card that comes with the tools you need to understand how to protect your credit and use it wisely on their website. I am personally satisfied with their services and would recommend them to friends and family."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 34c8ec9a09ef447cb2f83a870bce9ad2
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metadata:
{"chroma:document": "I got a credit card after recovering from bankruptcy! The rates are reasonable and the limit, over the years has risen very slowly\u2026it\u2019s perfect!!! I would suggest this to all my friends and family. Their customer service has been great as well!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d22b373c359c414fb2da0f858a036433
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metadata:
{"chroma:document": "Unorganized, unprofessional, bad at communicating, and not trustworthy. I had a credit of $180 and they declined a $10 transaction. When I called to correct this I couldn\u2019t understand the representative. It had very bad background noise and they had a heavy ** accent. They were rude and hung up on me when I asked for a supervisor. I called back and Daly (the rep) hung up in me when I asked for a supervisor. They requested my social security number every time, multiple times. This is not a company I trust with my financial information. I will be asking for a check for $180 and will cancel when that clears."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 78960070b96f4689a67f29b77919f329
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metadata:
{"chroma:document": "Merrick is top notch between customer service reps always patient and kind along with my belief that they will continue with their fair and honest fees. I have been with Merrick for 10+ years and look forward to many more."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b286392e5d7845f0ab20c88e6841098f
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metadata:
{"chroma:document": "I make frequent payments but additional fees are always added making it difficult keep up and avoiding a negative balance. I don't plan to have this card much longer since the fees are so high and seem to be very frequent. I don't even know what they're for."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "Merrick was the first major credit card to give me a chance. Since then I have got approvals from Discover and Citi Bank for cards as well. My credit score has went up 70+ points and Merrick continued to reward me for a good payment history by increasing my limit. I am beyond happy with what Merrick has done for me."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ce610f1a0acf40e48f9792dec250a838
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metadata:
{"chroma:document": "Love my MerrickBank CC. App is easy to use, I\u2019ve received multiple limit increases as well as experienced phenomenal customer support. I had Fair credit when I first opened my account and have excellent credit now with on time payments and payoff of my card monthly."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I have had a great experience with the company. I haven't had any trouble using my card anywhere. They raise my balance without me even having to call them as long as I am making my payments on time."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "Haven't had any problems with my account. Everything has been fine. Haven't had any compensation for anything. They've been good with my credit increases. I would recommend the credit card to my friends and family. Got the card eleven years ago before a trip to Disney World and was very happy with it."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "Payments posted in a timely fashion. Easy to read statements. My bills arrive right on time. I have not spoken to anyone other than to put in vacation time and locations. Personnel have always been polite, and helpful. I would highly recommend using Merrick Bank for all of the above reasons."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 13938953ab4e41c988edbb8a63317847
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick Bank has been excellent! I would definitely recommend you to family and friends\u2026On each occasion that I needed more from your bank, you came through for me! I was thoroughly impressed with the timing of each increase and the amount."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7cd635fdb5794d6883bd79b3005eddbd
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metadata:
{"chroma:document": "I have had a positive experience with my Merrick Bank card. The website is very user friendly. The only thing I wasn't happy about was when they upgraded my card, they didn't offer the American Flag like my previous card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 86a17edf61c74ffba1f4435d626be7b4
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metadata:
{"chroma:document": "I love Merrick. They are so good to me. I enjoy having this credit card that I can depend on. I use my card when needed and they give me the credit that I have and they check on me to make sure I do not have any issues. I would definitely recommend this card to everyone who is looking for a great credit card that you can depend on."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3cb5d0617139453da1fef4b0fe46b29a
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metadata:
{"chroma:document": "Merrick Bank has always been great for me. Tells me when my balance is high, etc. You have increased my limits twice. What else can I say. My favorite credit card. I paid balance off once but unfortunately my balance is high again. Will have to take Care of that."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: be82e0bf675140d29cfe4a2c765a0bfb
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metadata:
{"chroma:document": "Good customer service and a pretty easy to use app. No issues with them. I have the minimum withdrawn from my account monthly so I don\u2019t miss a payment. Then make payments when I get paid. Only been a customer for 2 years."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 084af1ef1801459abd76f990df97b820
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metadata:
{"chroma:document": "A company fraudulently made a charge, and tried to make additional charges on my credit account. I called Merrick multiple times asking for a list of those transactions. Merrick Bank continuously refused the request, and even hung up the phone on me at one time! I had to contact the FDIC to get the information I requested. The payments that I make, Merrick Bank takes 90 percent of my payments every month!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0c333b66cb4c45f99aea7a2ab8fcbdea
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metadata:
{"chroma:document": "I have never had any problems with website nor making payments. Have been with them for a few years now! I would highly recommend them to family and friends. Great credit card to have. They also let me know when it\u2019s time for a credit increase."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 884a0a3e966243ffac974dd312ceb304
encoding: FLOAT32
metadata:
{"chroma:document": "Would like a lower interest rate. Don't know how long I have had this account but would be nice if you could consider. Thank you. You should have all the information you need To complete this request. I will respectfully Wait to hear from you with hopefully good News."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2d75cf4549ee4aadaa07652da56fa962
encoding: FLOAT32
metadata:
{"chroma:document": "I have had no problem with Merrick Bank and have appreciated everything that they have done for me throughout the years. Theirs is one of the first credit cards I was able to get to re-establish my credit rating, and thanks to them taking that chance on me, I have been able to go above and beyond that!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1bfc19e4dac84bcc9a9fdd7aafc51b77
encoding: FLOAT32
metadata:
{"chroma:document": "Service has been acceptable and very good within the areas offered. I could recommend Merrick to a friend without reservation. There is always an opportunity for improvement as in time will be clear and visible. I\u2019ve nothing further to add at this time as a response to this inquiry."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3d5d0c53ec45403fbf640be775cc46a2
encoding: FLOAT32
metadata:
{"chroma:document": "I have never received a limit increase despite perfect payment history. Was told it was not possible to do. I only keep the card open so that closing it won't negatively impact my credit. Unfortunately I would never recommend to anyone."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 503f1482e96f4f88a7809db8303a7c1d
encoding: FLOAT32
metadata:
{"chroma:document": "Would like to have a much lower interest rate. Always make my payments on time. Always pay more than the minimum due as well. I have nothing more to add to this comment. I would just like a lower interest rate on my credit card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1b4ccbbb00e5450da22b758f9e029ee7
encoding: FLOAT32
metadata:
{"chroma:document": "Bank is awesome, customer ***** five star rating...Thank You All!!! All that you all do is awesome, thank you for your services, and professional service. There is nothing else to say, I'm a very satisfied customer. Would recommend the bank to others."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 749f16a1dfc943a38cebdb7ee6e47962
encoding: FLOAT32
metadata:
{"chroma:document": "Payment source mistake prompted account closure one day after it happened. Nothing in email, just closed. Then all of the agents treated me like scum because of it. I enjoyed the card until they took action for one mishap with zero communication. Oh well. I wouldn't suggest this card, they aren't very transparent in communication. Glad I didn't try to use it, funny thing is, I am up to date on payments, one agent was confused. It's like this was done all willy nilly."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2cf517fc66ae4c30b08b55509e0e66b4
encoding: FLOAT32
metadata:
{"chroma:document": "While I appreciate the credit, the interest rates are too high!! I find the website easy to navigate. I did receive a credit line increase, thank you. I intend to keep this card even after it is paid off."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 55f8c2812cbf4b36b2c29f293ccfd44b
encoding: FLOAT32
metadata:
{"chroma:document": "I have had nothing but good experiences with Merrick Bank, they are easy to contact, very pleasant and helpful at all times. I have been a cardholder for a little over a year and I am more than happy to continue to refer Merrick Bank to my friends and family."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0577f9a5495e4d7fa62c565e72f90545
encoding: FLOAT32
metadata:
{"chroma:document": "The experience with Merrick Bank was good in all aspects. Their service of my account was great and their customer service was superior. They increased my credit limit immediately after reaching 6 month limit. They gave me advance notice about the account changing from Visa to Mastercard."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ff56d32dfda742efbb25fd0ce09ecf90
encoding: FLOAT32
metadata:
{"chroma:document": "They charge a monthly fee and does not alert you if questionable charges are made, my history of purchases has been for years with them of $100-$150 at most in a month time but one day my card was stolen the criminals in 3 days time was able to purchase over $1800 one $1000 then 8 multiple $100 charges same day without contacting me if I approve the unusually high charges."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 68460a98f49a4817acbeb46f943c70ca
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank would not supply me with either a detailed statement of my charges, nor a way to view them online. I paid above minimum payments for nearly two years and the balance never changed though, I did not use the card. This is fraud."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 50c9316840a144b9ad004b67465c93f1
encoding: FLOAT32
metadata:
{"chroma:document": "I am very pleased with Merrick. My payments are processed in a timely manner and I have rec'd several credit line increases! Highly recommend them, always a pleasure doing business with them. Please give them a try, you won't regret it"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9f361deedeb8422c86d9c9fe64a5b6f5
encoding: FLOAT32
metadata:
{"chroma:document": "A retailer billed me twice for a item which was cancelled and that I never received. I contact the fraud dept with Merrick 4 times attempting to get the item which was cancelled and I never received credited to my Merrick bank card....which they did in fact issue one credit .... and thus far are refusing to issue the second credit .... Isn't that special....With Merrick Bank you never get your merchandise from the e commerce retailer and then the nasty little thieves at Merrick Bank refuse to issue me (the card holder) only a 50% credit....Merrick Bank and the retailer are in bed together to cheat me out of $443 dollars....I do not like dealing with Merrick Bank....They are !!!! Thieves and liars and crooks..!! With an outrageous interest rate of 30% on my open balance....It's no wonder why they refuse to issue me the credit which I require, requested, and deserve....Anyway you the consumer have again once again been warned.... Tracy"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 43480d8685c047e5b98b0f06176e874f
encoding: FLOAT32
metadata:
{"chroma:document": "The company service agents do not have facts. They all have different answers. They are not trained appropriately. I only had one representative in 10 calls that knew what they were saying. Kudos to this person. The communication is very confusing. Not happy."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 20413d05949d4005841472c0c799b869
encoding: FLOAT32
metadata:
{"chroma:document": "Overall, Merrick Bank helped me pay for what I needed to, and so I did expect to not get the full loan I wanted... I was more upset about the payback. I have no idea why I have to pay back more than what I loaned out, I have to pay back $2K more than what I originally loaned out & I find that completely ridiculous. I would not recommend to anyone unless they were desperate or last options."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9bab9c857b454f338955528310123bb1
encoding: FLOAT32
metadata:
{"chroma:document": "Good people to do business with, would highly recommend to everyone who wants to improve their credit. Thank you sincerely for your support and the opportunity to make my life better. They do not make your experience with them a hassle, but a pleasure."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e66d56d117b44ac98472cb8d4720f2dc
encoding: FLOAT32
metadata:
{"chroma:document": "It has always been a pleasant experience with my Merrick Credit Card. I have had no bad experiences in conversing with Merrick representatives. It also easy to navigate the website where you're able to look at your monthly transactions and to see your available credit. Making a payment is made quickly and painless."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 923a8e83ce2642f09bda4647ffcca1e2
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank is absolutely awesome. Originally, I started out at a $900 credit limit. 6 months later raised it to $1800.00. Make your payments on time. Merrick rewards you! I am now at $2000.00 credit line. Within a year's time."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d5ee30f339b44376a286f639130a3056
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick has provided the needed credit to continue business. Not once have I been scammed for a \u201clate one day\u201d exorbitant fee routinely found in the business practices of Cap One. Very pleased with my experience with this bank. I would highly recommend them to anyone looking for a reputable bank credit arrangement."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 77aac6e678f54015a0f249ce46cb253a
encoding: FLOAT32
metadata:
{"chroma:document": "Because of my loyalty and on-time payments I would hope to have my interest rate lowered. It is higher than other cards I have and my credit limit with you is also lower. I have never ever missed a payment."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b2198b98aa8142e9a18bbfa3e67122af
encoding: FLOAT32
metadata:
{"chroma:document": "Love the company and what they have to offer. Easy website and easy to pay your bill online. I also like that they keep track of your account and give you increases as you earn them. They have great customer service also."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 70426ddd6d474eebb00426c0e2ddf48c
encoding: FLOAT32
metadata:
{"chroma:document": "Would rather not have monthly/annual fees with this card. I have had this card for a very long time and it would be nice to not have fees associated with it. I love the fact of how frequent you guys give me a credit line increase though."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 352c06b0fc6543d78573e021bb7d94ce
encoding: FLOAT32
metadata:
{"chroma:document": "This is a great credit card. The app is easy to use and pay on your credit card. They double your credit line after the first 6 months is why I got this card. It does lack a rewards program and the apr is at 29.99 %. This card is definitely worth having if you don't mind the lack of rewards."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 84fcb9e7723b40d588d4f20f9b4cc684
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick Bank has been great. Their website is easy to use and they have met my expectations. They increased my credit line as they promoted based on my account status which was wonderful. I would definitely recommend them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0f4d20fc3e9141c1b3cdba0095879412
encoding: FLOAT32
metadata:
{"chroma:document": "Okay I really like this credit card co. Very friendly and easy to deal with. Keep up great work. Even when I go on vacation out of country very easy to deal with on days I will be in that country and if I need anything while away call them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a83e2df7b1a448728c373b4ac2d93036
encoding: FLOAT32
metadata:
{"chroma:document": "It has been easy to make payments through the app. Limit increase for making payments on time are very rewarding. Wish the rates were able to be lowered. That should be an option to lower rates or increase limit."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: cd9a658fec5442ecbc4c3cb97b72de70
encoding: FLOAT32
metadata:
{"chroma:document": "I accepted the offer I received in the mail by Merrick Bank in order to continue building my credit. Once I got the card, I immediately downloaded the app and set up auto pay for the account. The app was very clunky, and the technology behind it seemed dated. I would call up Customer Service and they would assure me everything was in place and auto pay would work. It never did and every month I would end up paying late fees. I shut down the account after a few months because the auto pay again would never work, and they said they would have to report a late payment to the credit bureaus. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8082df9fa76a4f539a844b6c67431330
encoding: FLOAT32
metadata:
{"chroma:document": "I highly recommend Merrick. No issues at all, love the fact that they are constantly review your credit and based on that they raise your credit limit. Anyone looking to have a card that will help you with your credit! This is the card to get."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: aeeebabaa88c46f7ae56825830ab6f50
encoding: FLOAT32
metadata:
{"chroma:document": "Perfect credit card banking experience. Hassle free, this credit card company gives you a credit limit increase without you asking for one. Keep your payments on time and they reward you! They are also there for you 24/7 if you need help or have any questions. They also are experienced and knowledgeable in helping you getting started, and in other ways as well. I highly recommend Merrick Bank. I'm very happy to be a customer!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 406dc4d4a0734104b39ba44155554040
encoding: FLOAT32
metadata:
{"chroma:document": "I thought the credit line they offered wasn't worth getting their card, but they claimed they would double available credit. I called, I confirmed, I used the authorization code myself, when the time came, they said they did see I confirmed with A rep, but my account did not come with A double your credit line program associated with it, and there was nothing I could do about it. My credit wasn't great, and it has not improved, which is why I think they are being intentionally dishonest. In G-d I trust."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2c982a6a27844019b9c4c2bf6b2271c3
encoding: FLOAT32
metadata:
{"chroma:document": "This is has an amazing card that has helped me to double my credit score and be accountable! Thank you so much! I will gladly recommend you to anyone that is looking for a great company to deal with. I look forward to a long financial relationship."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d8b53df5d1aa4dfc8d19cd00d8aa1061
encoding: FLOAT32
metadata:
{"chroma:document": "I was approved for a card that was mailed in January, never came. I repeatedly called to ensure it wasn\u2019t used and they lied to me over and over. First it was a wrong address, then it was a processing delay, then it would be there in 2 days. Card never came. Every person I spoke to had a different story for why. No one could update shipping in over a month. Seems like a scam or something dishonest and I was very dissatisfied with each person having a different story."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 23e948f836ce40189359cfb42864653c
encoding: FLOAT32
metadata:
{"chroma:document": "My banking experience have been a five [5] star rating and YES I would recommend your bank and service ...I find it very easy to make payments with your online app...I wheel your card with confidence. I thank you for what I have."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7912dc58c93e46079ecc17a7313ffc11
encoding: FLOAT32
metadata:
{"chroma:document": "I am very please. Merrick keeps me informed and is very easily reached. I have never had any problems and customer service is outstanding when needed. Access online is easy and user friendly as well. Emails and notifications timely and accurate!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3d5dd9fada29429882d1ed7ef0eb3460
encoding: FLOAT32
metadata:
{"chroma:document": "I had an unauthorized charge on my Merrick Bank credit card. Called Jan.10 to dispute the charge. They credited the amount back to me and I was told I would get a new card due to the fraud on the first card. I was told it would only take 7-10 days. January 31, 2023 rolls around and I do not have the replacement card. I called and was told the replacement card was not only mailed, but someone activated it. The woman also told me that I can still use it because it is activated. What?!?! I have never received the card and certainly did not activate it. This woman is with the security and fraud dept."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1b70184997af4d7e8072bf696527b730
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick has been a great credit card to help me build my credit. Terms are clear and I've never had any trouble or felt taken advantage of. They do periodic reviews of my account and offer me a line increase accordingly. Very pleased in my years with them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c1d229be829b4e3eadc691ddfb9cfca5
encoding: FLOAT32
metadata:
{"chroma:document": "I never have any issues with Merrick Bank. From time to time, I always get cash from ATM and always been provided. Some banks would disable your account after 2 withdrawals. Merrick Bank has always been there for me. I am treated fair with their excellent service."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fa0bb99eb6374072919e9feeb67c14eb
encoding: FLOAT32
metadata:
{"chroma:document": "I have used this card for years. Whenever I have called, the customer service reps are very helpful. I will continue to use this card. The reps speak clearly, know their products and listen to what you are saying. Any issues I have had, they have resolved it to my satisfaction."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8aade14fa04d4553950c5eba19c17c4f
encoding: FLOAT32
metadata:
{"chroma:document": "I do not use and carry the card much in my wallet because of its low credit line compared to my other credit cards from credit unions and major banks and are very good with everything else. Otherwise my overall experience is excellent."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d311337fd8224975811c03f7b73d5728
encoding: FLOAT32
metadata:
{"chroma:document": "Yes I recommend you because you increase the balance fast than other companies that I'm very happy because I'm check my balance in my application I have in my phone if you pay at time for 6 months you increase. That I love."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b1c8214b561a473a86bbc2f81dbd32ed
encoding: FLOAT32
metadata:
{"chroma:document": "Yes This is an excellent card and Bank and the staff is very honest and they take their time with any questions that need to be answered and if there are any issues with online banking and or charges and or Payments. Thank you, Elaine."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f1ca2bd390c143cba3b7304df585cc4d
encoding: FLOAT32
metadata:
{"chroma:document": "My wife was told this was an error and would be credited. When I didn't see credit after a week, I was told it would be done. It's still not done. My wife spent a lot of time on these two phone calls, with so many press 1, press 2 options. Very difficult to get to anyone who could help."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 40180683e8fa4a81b92d1c4b58b28e8d
encoding: FLOAT32
metadata:
{"chroma:document": "My husband and I got an RV loan from them, BIG MISTAKE!!! We got a $12,000 loan 5yrs ago and our principal has only gone down $1700. We have tried twice to refinance with our local bank for a lower interest rate and Merrick will not send the bank the information they need for the payoff. My payment is $260 and I never pay less than $300. I paid $700 this month and my principal only went down $253. This company said they will help rebuild your credit but I have been about 10 days late a couple times and they told the credit reporting companies I was a month late. This $12,000 RV is going to end up costing me around $35,000. I would give them 0 stars if I could. RUN from the credit building and RV loans. Even their employees say that they will not get a loan from them!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d6352ffe195449a6b581fd90fce66016
encoding: FLOAT32
metadata:
{"chroma:document": "Have outstanding history. Why should we still have a $4.00 charge to keep your card, considering cancelling card this year, please review account and see if there is a way, we could at least cut it down to $2.00 for that would help."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5cf3e6c18465450fad158f5ab3b4c712
encoding: FLOAT32
metadata:
{"chroma:document": "They do not offer 2 percent or 5 percent cash back on purchases. Other credit cards are offering this. At this point, it would be better to use those with the economic crisis with the inflation to give us the want to use this card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 71624786244b4d3e804f957aa1ef0d50
encoding: FLOAT32
metadata:
{"chroma:document": "I lost my debit card 3 weeks ago, I called to get it replaced and it's still not here. Luckily I have other accounts and cards but otherwise this would be totally crippling to my ability to function on a daily basis, and up until now I've had 0 problems with your service. Can someone please tell me what is going on?"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 55f4d0725a25449e85b239df32d310c5
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank gave me an opportunity to establish credit. They gave me a credit limit & then a credit increase after successful making on time payments. They worked well with me even during pandemic.. Very happy with the outcome of this card!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 179452be306f4d5196d20312ff54dbf5
encoding: FLOAT32
metadata:
{"chroma:document": "All of my interactions especially with representatives over the phone were great. Reps were friendly, polite, answered my questions, and couldn't have been more helpful. I have one other credit card and no longer use it. That company doesn't compare to Merrick. Thank you all for your excellent service!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0dd45724acf04df4b35e6886ce551da3
encoding: FLOAT32
metadata:
{"chroma:document": "Overall I am pleased with my experiences with Merrick Bank credit card services. There has never been a problem. I appreciate the FICO score. The only thing I dislike is the interest rate. In a couple of years the bankruptcy will come off my credit report and I will transfer the balance to a credit card with a lower interest rate. But everything else is great. It's easy to check things and pay bills online."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6f1a97335e7040b38074012219e3766c
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick has been easy to use, they reward you for good payment history. Great company to rebuild your credit ratings. I would recommend Merrick to anyone that needs a credit card and is willing stay on a good path to increasing their credit."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0d7ff43c5aef4872998a2a0db98409e7
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{"chroma:document": "Someone somehow made 4 charges on my card totaling over $300.00. I informed Merrick of the issue and they immediately started an investigation into the transactions. I\u2019m sure other companies do the same thing, but I\u2019m impressed because when they looked into it quickly and found one other charge not made by me. I was issued a new card/number in a few days. The entire problem was corrected within a few weeks. I Love my Merrick card!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I would like to request a reduced APR and waive the monthly fee on my credit card. I am proactive on paying my credit card on time. Please consider waiving the fee and reducing the APR on my account. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I am not that happy with Merrick Bank because my credit line is too low for my income even though I have requested to increase it, and I have shown an excellent payment history. My annual income is more than 170,000.00 a year and my payment history in 100% in all may accounts including home mortgage, credit cards and loans. The majority of credit lines I have with other banks are for > 10,000.00 and I've been with them only two years or less. Thanks."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I have never had any problems with Merrick Bank! I been a customer for many years and would recommend Merrick Bank to anyone. The website is easy to manage and payments are taken in a timely manner."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Merrick Bank treats you like a real customer. They are friendly and efficient. Merrick Bank has a great credit card. If you need help, they are there to work with you. I use the Merrick Bank card regularly. Thank you Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b452013ceee54f68ad1a013442ff7ec0
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{"chroma:document": "In a relatively short amount of time since the discharge of my bankruptcy, this credit card has allowed me to re-establish my credit with minimal fees and with my excellent payment history I have received significant credit line increases from Merrick Bank which has given me more confidence and peace of mind having this credit line for emergency purposes."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 39b25895146a454ab44f5637f006fcf8
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{"chroma:document": "I have always been happy with my account. I have never had any problems. I would definitely recommend this to anyone. I have never had to contact Merrick Bank for any problems. They review my account and raise my limit periodically."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Your people have been charging me over $4 a month for a cash advance I did years ago. I'm done, I will be paying this card off and deleting it. That is ridiculous. You offer nothing for this card if I use it."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Very easy co. to work with, never had any issues with payment system or any issue using my card anywhere, my balance is always correct and statements are easy to view and understand, I will continue to use this company in the further financial needs I have. Thanks... Ronnie **"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Merrick is the best!!! As long as you are consistent with payments, they will take care of you! Got a increase and didn\u2019t know until I paid my bill. This is the card for getting your credit back on track."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I've had nothing but great experiences with Merrick Bank and would recommend their services to all of my friends and family. They have made it very easy to have an account with them. They monitor accounts regularly to adjust limits."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "The ease of use of this card is great, just this afternoon at the dermatologist, they asked what card I had used, they said no other card had processed a payment that quickly, thank you! I could not ask for more..."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I would definitely recommend this card to a friend. In the years I\u2019ve had this card I\u2019ve been nothing but satisfied! Easy to access online for payments. I can use it anywhere and there is no yearly fee. If you have had great credit history with them they increase your credit amount. I truly recommend this card. It\u2019s one of the few that I wouldn\u2019t mind keeping forever."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Couldn\u2019t understand why I didn\u2019t rec yet paper statement & not by my request statement was sent email. I called had wonderful customer rep she told me I was late on payment & late charge was added to my acct. Well after explaining to her the situation she apologized for mix up. Credited late charge & mailed me all statements to review & I'm now getting mailed statements like it should have been."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d55f10fb20414c6193fe17976c063932
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metadata:
{"chroma:document": "I am very pleased with Merrick Bank and have not had any issues. I would definitely recommend this credit card to friends and family. I honestly can\u2019t think of anything that the company needs to improve on. Awesome customer service whenever I have had to call. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5c8be07c0f0949f68b73e560451d7182
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metadata:
{"chroma:document": "Great customer service; account is available 24/7 online; Easy to navigate webpage - everything you need is online; account protected from online fraud; NO FEES; complete transparency - no hidden fees or charges; a great mobile app; a variety accounts available... checking, savings, credit card, etc."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9d48f3f56ff24726bc79d3fcaa81680c
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metadata:
{"chroma:document": "Calling the 800 number is a a joke. Reps don't speak English bad connections. I asked for someone in US, placed on hold for 10 minutes and hung up. Also, your interest rates are ridiculously high for someone with a credit score of 760!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5d0b9219dcd54344af117df91bee57a3
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metadata:
{"chroma:document": "I never thought I would get a credit card from Merrick bank because my credit score was very low. I have been with Merrick for almost a year, and my credit is improving each day. Thanks to Merrick for the opportunity to improve my credit score."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6d72f096443045208e0d3db9061dc5b3
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metadata:
{"chroma:document": "I am so happy with this card. This card has helped me rebuild my credit and it is greatly appreciated that they were so willing to help when no one else would. And yes I would recommend this card to anyone who is trying to rebuild their credit or already has established credit. This company is very easy to work with."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b5fe6b6bc2174de99e39df0e06c62fb4
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metadata:
{"chroma:document": "Got approved for a new card. Delay 1 was because of the Holiday. Delay 2 is because of \"vendor issues\". Each day that passes I get a sinking feeling that this company is not very trustworthy. I anticipate even more delays and based on other reviews, a bill even though I don't have the card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5b836f79880040648d2508dba51902ce
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metadata:
{"chroma:document": "I made a loan for an RV. I have been earning on time every month for almost a year, and my principal is almost the same, I contacted the bank and after a confusing explanation, I have accrued interest and for the next YEARS my principal must be the same!!! It's totally insane!!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8257df3fc14244f99d00270839027136
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a horrible experience with your CC division, blocking my card without notification during MC changeover that led to returned or suspended accounts. CS said use a different banks card. An employee suggesting not to use the company they work for, incompetence. They refused to make me whole or compensate for damages. Try and reach out to executives personally. Rick Urrutia, Tiffiney Peterson and others."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 954a1ec9b48c45e2a80087eeaa7b1921
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metadata:
{"chroma:document": "I called in and spoke with Lenox, Diego, Sam, Carlos, Pretty, and finally a Mr. ** a supervisor. It took me 5 people and hung up on twice and about an hour and half to get a result. When I explained my frustration with Mr. ** he brushed it off like he could care less. I will be canceling all my credit cards with this company."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: caec60a37bde467889746eed9eac40b2
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metadata:
{"chroma:document": "I got this card last year. Twice they have cancel payment. Never got an increase because cancel payment that month. Merrick charges high fees with no pluses. Going to try to close it again. Customer service is, also, a nightmare."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 20e6740dbf534c0ea3fec469afef6ecf
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metadata:
{"chroma:document": "I had enjoyed using my Merrick Credit card until about 3 months ago. There has been a message popping up when I open the app that states \"We are in the process of updating your credit card\". I attempted to use my card & it was declined. After calling Customer Service, I was advised there has been a delay in processing my new card & that they closed the account. I also was informed there was nothing they could do about it. After looking at my actual card, the last 4 digits of the account, which is the new card, is different so why is my account closed on a new credit card with a new number that has NOT yet been processed. Something is NOT adding up! I have a new credit card number but no credit card & my account has been closed??? Make this make sense!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I would not recommend this company. Within the last year this company has changed from using Visa to using Master card. I received an email informing me of the change and I should be receiving my new Master card. Now it has been months later and I still have not received my new master card that is already activated. And my old visa thru this company has been deactivated. I can't access my account online because I don't have the new activated card and the old visa is deactivated. I am currently still paying my monthly credit card bill but I am unable to use the current balance. This is fraud I am paying on something that I can not use and the company can not tell me when I will receive my new card! "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 883b086eb9fe4f4c9652b2de8ca3c927
encoding: FLOAT32
metadata:
{"chroma:document": "I lost my card and I was like crazy looking everywhere. I decide to just call and order a replacement. They told me, \"Yes we can help you and you will get your card in 7 to 10 day.\" I was ok is fine. I been one month already and still haven't received my replacement. I will not do any payment in the card till I get it, if you trying to get a credit card I recommend you apply somewhere else not here like Apple Card, Capital One or other good and real bank. Not this new and bad services bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e188da9e400d4b45a29333dbd0d59303
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metadata:
{"chroma:document": "Saw no red flags. Applied Nov 11. Approved card by 25th. Called Nov 27th. No card. Was told it would be here on Dec 23rd at latest. Got a bill requesting payment. Called 12-8. Asked for sup. Sup Lisa hung up on me. Called back trying to cancel card. They hung up. Called again. Was told card shipped on 12-2. Would be here by 12th. Would not cancel. They gave first names but could give operator number. This cannot be a legit bank. Karen **"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I've been waiting almost a month for my card. I've already been mailed a bill for a card I haven't even received yet. Maybe if I'm lucky I'll get it before the end of the year otherwise I'm being charged for a year that I can't even use it in. So much for Christmas I guess."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I\u2019ve tried multiple times recently to speak to customer service and sat on hold for 20-30 minutes then disconnected! Close my account! Hopefully someone reads this and actually responds! Merrick needs more phone agents!!! Even trying to respond here keeps failing because not enough words!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "We purchased a RV from Camping World in Cheyenne WY not knowing they used Merrick Bank. So far, they have never sent us a statement. We had set up automatic payment but were lied to because it was never set up. And now they are charging late fees because the payment wasn't on time. The lady from customer service was less than helpful so we'll see how this next month goes. If this is the way they operate they just need to go out of business."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I am very happy. Upon elimination of other credit cards. I kept Merrick Bank. Also, they give good increases, you don't have to ask! This is my personal opinion. I recommend Merrick Bank to all family, friends, and future customers."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "My experience with Merrick Bank is a very excellent one. I am very pleased with their customer service and their quick response to any of my inquiries. My Merrick credit card Bank doesn't leave my wallet and it is an essential part of our daily lives. Highly recommended. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "Keep up the good work.. Very happy with you guys. Always on time. Easy to communicate with and no problems. Also never have known delay. Job well done. Always have my back in need and interest. You have the floor mat of ConsumerAffairs."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I have been setup on autopay my entire time. The payment history has caused several increases in my credit limit. This has come in handy when unexpected expenses have happened allowing me to make it to payday. The peace of mind having higher limit has given me can not be easily put into words."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I am well pleased and super excited to be a part of Merrick Bank. The customer service is excellent. I will definitely recommend to other customers. A great tool for building and rebuilding credit. This idea is well versed and I believe that this idea will flourish."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I was accepted for this card over a month ago. Five days after, I got an email stating I would get the card in 7-10 business days. On the 11th day, I called to inform that I had not gotten the card. I was told it was sent to some address that wasn\u2019t even mine. They told me that card was cancelled and another one would be reissued and sent to the correct address in 7-10 business days. Still no card. I called again because I got a billing statement in the mail with my first payment due, but still no card. I asked why I was expected to pay a bill when I have no card. I was told because I made an agreement to pay for their services. I explained that he was correct\u2026I did make an agreement to pay for their services, however, I was expected to pay for a services that I was not getting. I was told again that my card was now created and in 7-10 business days I would have the card. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Don\u2019t think it should be a problem with the increase if you paying for it up front. When I called they told me I had to wait till December and ask because I hadn\u2019t had the card too long although I was telling her I could use the debit card to pay now because I was trying to get a rental the the card was short."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "Good card for starters. I needed to work on my credit so this helped a lot to have somewhere to start. I really needed this to get things going. This was all very new to me and this helped a lot to get something."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "Very pleased with the ease of online access and bill pay, all the information I have at my fingertips. They caught a fraudulent transaction and immediately closed my account and issued a new card. I've been very happy with them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "A wonderful bank all banks need to be like this one. I\u2019ve recommended this bank to friends and family. Customer service is really great. I also like the products they offer. This bank does not need to change a thing, just keep doing what you\u2019re doing, you all are number one in customer service. Please open a branch in my neighborhood."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Merrick Bank is quick and responsive to update any transactions. Either purchases or payments. The monthly payment is also applied to your credit in a speedy manner. I was approved with little credit history. The secured card is a great tool to get your history established. I'm looking forward to doubling my limit after three more on-time payments."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Would definitely recommend and have done so, to friends and family. Very satisfied. No problems thus far. Thank you! I am satisfied with the increase, as well as the alerts on my account. Customer service is professional and knowledgeable when I need assistance."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "Merrick gave me a card when others wouldn\u2019t and allows my credit limit to double with responsible use, what else can you ask for? They operate with professionalism and treat you as a valued customer. I am very pleased with my card!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2514ece1dff644c49213610241d965e6
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metadata:
{"chroma:document": "Customer service is very helpful and the Merrick Bank App is great for checking my balance and paying my bill. You can also monitor your spending from the app and it automatically updates. I use my Merrick Bank card all the time."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: df3581b4cde84a1aa854da2f7e4d9385
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metadata:
{"chroma:document": "I've been with Merrick credit company for several years. I received the initial credit limit increase after having the card for 6 months. Received only 200 extra a few months ago. The credit limit increase is the worst although it was helpful."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 07041d23e4504b38b0ec25701dbf9a86
encoding: FLOAT32
metadata:
{"chroma:document": "Glad that they work with you despite not having perfect credit. Will keep this card forever. It will help me continue to work on building my credit to get where I need to be. I look forward to a continued relationship."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1b3c4fb1a055431e8677696581132d2d
encoding: FLOAT32
metadata:
{"chroma:document": "Not pleased. It didn\u2019t help my credit at All, it\u2019s really a bad deal. I wouldn\u2019t recommend Merrick Bank to AnyOne!!! It\u2019s adding marks to my credit. It\u2019s false advertising and bad business. I\u2019m making a complaint to the BBB."}


created_at: 2023-10-28 02:32:32
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id: 4643f87a6cb940d7a15ffc003d7b4c25
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{"chroma:document": "Always easy to use website. I appreciate the customer service if I ever need to call. Looking forward to updating my personal information and income so that maybe I can get my minimum raised to do some home repairs that are in desperate need."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 925b65cbb7d94417934e81940bb626aa
encoding: FLOAT32
metadata:
{"chroma:document": "I would recommend my friends. It\u2019s a very good card never had a problem when I am purchasing something. I get notified when it\u2019s time for my payment. The only thing I would say is that I only got one increase since I\u2019ve had the card outside of that. I really have no problems with the card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 74c004accb5148e49ec4f621003fceb5
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick has been great! I would recommend them to friends and family. Easy to use and never have any issues. The app is easy to use. Very user friendly. Never had any issues with Merrick. Love this company."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e5e9832ee2684901bb95325f6421e1dd
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metadata:
{"chroma:document": "They help me get a secured card. It\u2019s been one year and they have increased my limit twice with even me asking for it. All I did was made my payments on time and I got highly recommend Merrick Bank! if you are looking to built Or fix your credit!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3587f56b037341108f1054a6b46d74a2
encoding: FLOAT32
metadata:
{"chroma:document": "Very happy with the new card that I received and I have always kept my payments up on time and hoping as time goes along my credit will increase. Also I appreciate you giving me the card. I hope by now I prove that I can handle having the card. Thanks again."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5e7db2c55cc44ee195f9b44b9daf3552
encoding: FLOAT32
metadata:
{"chroma:document": "These people allowed someone to open a account using my personal Information without my consent, \"Committed Fraud\" and when I finally discovered it and made contact with them explaining that I was a victim of identity theft they more less said, \"Oh well we're not gonna remove it from your Social Security number\" so I'll be seeing them in court and have all the proof I need to back every bit of this up."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5eab12e9f9e4438faa5df7e3d2c9c67f
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metadata:
{"chroma:document": "I was approved for a credit card and I received an email saying that the card will arrive in the mail within 7 days. After two weeks I did not receive anything. I called and they said they will mail the card. What I can't understand is why would they send an email saying I will receive the card in 7 days and after two weeks and I called about it because I didn't see anything, they didn't even mail the card at all. That is very unprofessional. Now they say they will mail out the card, let me see what happens now."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1b387e112a534ceeb1e8942501bbe665
encoding: FLOAT32
metadata:
{"chroma:document": "Thank you for the opportunity to get this account. I am satisfied with this experience. Looking to see where we will be in the future. I have had no issues with the account.. I would recommend this to a friend."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 038be5c4cb6945edb306528d3d692d54
encoding: FLOAT32
metadata:
{"chroma:document": "Even when simply making a payment, I get a written response reminding me that I am valued as a customer. In addition, I am kept well informed of many events that may concern me. Other than that. It's a great bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: df97dc4fb0c94e6bbc86c97e3be4a735
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metadata:
{"chroma:document": "I am a new customer, but so far it\u2019s been a great experience with no complaints! Keep up the good work! I received a solicitation today asking for feedback, so I am obliging. I wish I had more to say, but I really haven\u2019t had much experience yet with Merrick, so here it goes. The application process was easy, the app is user-friendly, and the card helps build my good credit. By increasing my credit and paying back a small balance every month, I\u2019ve increased my score already!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: efc840df59074af0b1d807cbb6bb7d9f
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick has been very helpful in assisting me with building my credit back. I would definitely recommend them to anyone. The app is very easy to use and helpful also. I absolutely love Merrick Bank! I now am able to rebuild my credit and have purchase power to get the things I need. Thank you Merrick Bank!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e3825758ec1b42738e064221522ac5d2
encoding: FLOAT32
metadata:
{"chroma:document": "I am very glad because I am doing a good job with my credit to get a better credit score and I hope continuing to do it in order to get more credit and I also recommended for more people in the same situation."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f5400386c095467a8bb88e79482d7aaa
encoding: FLOAT32
metadata:
{"chroma:document": "I love the treatment I receive from Merrick. They let me feel as if I am their only customer. When they receive a payment (usually electronic payments), they would email me to say, \"We have received your payment\" and whenever I happen to call, they sound only too happy to hear from me."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 11effe49844c4fde93e9d56aa687a678
encoding: FLOAT32
metadata:
{"chroma:document": "Sent a payment of 50$ on Nov. 14 and still hasn't posted but all in all great bank to do business with. Would recommend to all friends. Customer service is nice and friendly, and very honest and helpful. Love my card, great credit card Co."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 77370dc3333f4376baa75eb1cf6090c6
encoding: FLOAT32
metadata:
{"chroma:document": "I still haven\u2019t received a working card but I\u2019ve had to pay $172. Customer service isn\u2019t always helpful. I\u2019m starting to think it\u2019s a scam. I haven\u2019t been able to set up an online account to manage my account and the bill always comes after it is due so I get a late fee. I\u2019m paying for a card that I have yet to use. If I don\u2019t get the card within the week I\u2019m closing the account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: da73b3cfc339484aa1bb0f792cde93db
encoding: FLOAT32
metadata:
{"chroma:document": "I was surprised when I got my invitation from Merrick Bank because I'm trying to rebuild my credit and they gave me a very nice card with a generous amount on it and they report to my credit bureaus all the time and it has brought up my credit score quite a bit and it was very easy to do the online part of it."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6486458c638d4c608e4f695d5102a924
encoding: FLOAT32
metadata:
{"chroma:document": "Very helpful in explaining why my payment did not go through, very understanding and helpful. The representative was able to process the payment successfully. I had just received the card and was making my first payment. Fortunately, there was no penalty processed. Thank you so much."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 15172436f4ba4e8fa0ebb6d1e53a2c87
encoding: FLOAT32
metadata:
{"chroma:document": "I do appreciate you giving me a chance to show that I can be responsible with credit. I have not had any issues, am sure if I did you would be fair with customer service. With the holidays around the corner am sure we could use some credit increase."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 018a31b53a6b41039322b2eb40bdc245
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has been very helpful in reaching out to me and offering helpful solutions to my personal needs. Customer service has been outstanding. Any questions that I have had have been answered to my satisfaction. I have not had any bad experiences using Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4af1bb7751574d3694c288286b87b556
encoding: FLOAT32
metadata:
{"chroma:document": "I am very happy with this card. My only complaint is a wish you didn\u2019t change a yearly fee. I feel the interest rate should be enough. But other than that I have had no problems with the Merrill credit card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a702a58b3869424eb679b06c44cb0a4d
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank credit card has really helped me build my credit and I use it on a regular basis. I am very pleased with Merrick Bank. I wasn't sure about getting another credit card but but I am glad I went ahead and got the Merrick Bank card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: bc8a081e9ee14641aee6cd99f24e4967
encoding: FLOAT32
metadata:
{"chroma:document": "The worst experience I have ever had with you offshore customer service. I called in 6 different times in two days, waited 1 and 1/2 hours one call and hour and 45 minutes the second time for a manager to help because after four calls my pin was not fixed. My issue is still not fixed. Will pay off card and close account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c7705abf96ca47b5b00d4076705c12af
encoding: FLOAT32
metadata:
{"chroma:document": "I really enjoy the Merrick Master Card, the only thing I wished they would have left it as a Visa. Some places I go don\u2019t take Master Card but it\u2019s a great card to have. They treat you very well if you need assistance with something."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 084567b3eed84abda327da2aa983d69a
encoding: FLOAT32
metadata:
{"chroma:document": "I'm terrible with names, but the sweet lady that helped me was awesome! She had the sweetest voice, was so patient and zero attitude. She even went above and beyond to make sure that my card would arrive before the Holidays. She genuinely seemed to care, that's a quality that is hard to come by these days."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3ddea09a339547b58f890c96006fc421
encoding: FLOAT32
metadata:
{"chroma:document": "So Far my experience with Merrick has been great from online to questions asked on the phone. I am very satisfied thus far. I have not had any issues with logging in or the website. Thank you. Thank you. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d73d33d126554aa598799044fd3ad838
encoding: FLOAT32
metadata:
{"chroma:document": "On three occasions I decided to pay off credit card balance after I made the on time payments within the same month and all three times Merrick bank held the monies for 7-15 days even though they came from the same bank I make all payments with! They gave the excuse saying they occasionally do this because sometimes banks take back the money even after it has been cleared and removed from the account! They say it\u2019s randomly done but it only happens when I make a second payment after I made the monthly payment on or ahead of due date!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: eb49b0ed84a14da889462c2a6d3673aa
encoding: FLOAT32
metadata:
{"chroma:document": "I recently opened a credit card account with Merrick Bank. I was never informed that I would be sent a pin to use the first time. After that I would be allowed to set my own pin number. I called to get my pin set and the rep was very rude. She did not understand that I had not been told this. She also could not understand that a pin was not mailed to me. I ask her to set my pin after she verified it was me by asking numerous questions. I answered them all. She stated all she could do was send out my pin again. I should receive it in 7 - 10 days. She never offered any other options or tried to get a supervisor to help her to see if the issue could be resolved while I was on the phone. At this point I have already had my card for 4 weeks. I am not at all pleased with the customer service I received."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0504810aa86e4e2c9f62c5a2e15d073f
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019m a new cardholder & so far my experience has been great. No issues at all so far\u2026 Also the app works great. Have not had any problems with the app so far also\u2026 Customer service is also good. Talked to them a few times in the experience was good.."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9a987577bf794712b8c523cb94e2443c
encoding: FLOAT32
metadata:
{"chroma:document": "Never a problem with this card. They understand my credit needs and never any exorbitant fees or charges! Don't know what else you can say about a creditor that never pushes an unwelcome agenda. They continue to upgrade their services in all sorts of areas."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 02e1cd53d20644709c12691435d8cab2
encoding: FLOAT32
metadata:
{"chroma:document": "This bank has given me a chance to rebuild my credit which I am very appreciate of the opportunity, and I will do everything possible to stay in good faith with this company. Thank you Merrick Bank. My family is in Ah Of me having a credit card but I tell them all about Merrick Bank how they gave me a chance, I advise them to do an application just try and see what happens."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: cf6cd578295a412aa860db014e6b8ae9
encoding: FLOAT32
metadata:
{"chroma:document": "Customer service has always been prompt and easy to deal with and they are great about giving you timely credit line increases as long as you keep your bill current. The online account access and monitoring is also very easy to deal with."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 568e385d374e4898ace09e363959522d
encoding: FLOAT32
metadata:
{"chroma:document": "I have had no issues with this card. I like the app. I like to card. I don't like the great service. You're a tiny man. The only thing I would say is I would like to be considered to have my but my limit raised."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 808cdc5d3ea945fbbcc1b4241a619b59
encoding: FLOAT32
metadata:
{"chroma:document": "I'm very happy with everything with Merrick Bank. It's fast and easy to get the card. The staff always knows their stuff on the 1st call. Again I'm very happy with   staff there. I have not received any incentive for this review."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1338dd69f634424692d585ab288ac34e
encoding: FLOAT32
metadata:
{"chroma:document": "I understand I have a few time return payment, but I have security deposit fee, thousand but even though I missed two or free payment they close my account. I think this is not acceptable. If possible, I would like to have this account reinstated."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5ad6920cbd374279b8d68f66fc7932ce
encoding: FLOAT32
metadata:
{"chroma:document": "Low APR and great customer service. I would highly recommend if you\u2019re looking for a great credit card company and looking to rebuild your credit. I have had my credit limit increased annually and the annual fee is very low."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 69b0b663f82147feace76bef2eaae010
encoding: FLOAT32
metadata:
{"chroma:document": "I want you to lower my interest rate and you won't. So I will be looking for a new card that has a better interest rate, plus by doing so they have 0% to start and you have nothing to offer me I guess."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 85dad52041b246f2be50505ff5d162b1
encoding: FLOAT32
metadata:
{"chroma:document": "I would exclaim to them that it's great opportunity to establish or enhance their credit. Moreover it can also help with the ability to make it through the economic crunch we all can face at some point. I have been satisfied with the use of the service."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9e88241b032d4056a7dc4f8cf017327f
encoding: FLOAT32
metadata:
{"chroma:document": "I have had an account for years only had 1 or maybe 2 increase. I had a late payment in 2018 that's this on my report due to me getting less hours but things are much better now. My payment is on track. Card paid off. This no increase."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 897224435a7c40b6afba863fd358dd3a
encoding: FLOAT32
metadata:
{"chroma:document": "My account was restricted for paying a balance in full over the credit limit. In addition I had to pay $15.00 to fax my bank account statements to get my card working and account. Yes I'm unhappy with the service and procedures of this company. I just like better service and at the least be restricted for a real reason and not for paying the card in full."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a11936d0484648c0a6bcec326c17a034
encoding: FLOAT32
metadata:
{"chroma:document": "Tried to pay my bill online, got locked out of my account because of a KNOWN ISSUE! Should have let us know via email or a message when you try to log in. Paid my bill with the woman at the call center which was fine but took a while. Asked her how to get my account unlocked and she told me I would have to call back another time. That is really inconvenient."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fb14ca1c1c284ffdab082aeb79d3a300
encoding: FLOAT32
metadata:
{"chroma:document": "Customer service is everything when dealing with banks and credit card companies.. I mean why wouldn't it be these people are dealing with your money. Well this bank sucks when it comes to customer service!!!! When you call for clarity on charges the customer service reps are so rude and definitely don't like to explain things that might need clarification. I am sorry I ever did business with them and can't wait to close my account in the coming month!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c328bf9bb93a40bc8aed87f40cd9ad2f
encoding: FLOAT32
metadata:
{"chroma:document": "You were one of the few companies that offered me credit when recovering from health issues a few years back and I appreciated that. Who knows what tomorrow brings, life is not guaranteed and should not be taken for granted. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b18189fcac074f1fac30c2054a600322
encoding: FLOAT32
metadata:
{"chroma:document": "I believe that in order to help make use of your services, especially for seniors, you could make it possible to make account payments by phone, with bank cards etc. Forcing people to make a special trip to post offices, stand in line for hours, get a money order, and stamp, and mail it in, we should not be forced to do that or give all of our banking info, just to auto pay. Almost sounds like someone enjoys stealing from people's accounts, otherwise you would not make it impossible to easy pay."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 39e818309e2c47e0980aa36625838042
encoding: FLOAT32
metadata:
{"chroma:document": "I am very satisfied with the opportunity that Merrick Bank gave me to help establish more credit. Because of their commitment to me I was able to purchase my. FIRST HOUSE!! THANKS MERRICK TEAM. YOU ALL ARE GREAT!!! My credit was upgraded because of my Secured Credit card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d267fca94ee34337b24c186b3ef8cd94
encoding: FLOAT32
metadata:
{"chroma:document": "They have done everything they said they would do for me. Very helpful to anyone needing credit help. I would recommend this to anyone. They have helped raise my credit 40 points so far. I\u2019m a few more months. I will see another 15."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0cffa5edaff44907b56e61349f3160dd
encoding: FLOAT32
metadata:
{"chroma:document": "I have never had a problem with them, customer service is always helpful if ever I need them. App easy to use too. I would say I just have had a great experience. Increased my credit line which was really nice too. I\u2019m very pleased that I have an account with them. ***** 5 star rating. Thank you Merrick. I appreciate you so much."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1b5b670bcb29470092d9649c92b3caa5
encoding: FLOAT32
metadata:
{"chroma:document": "Would not refund a fee for me. I know I had already had one refunded, not the point. I have been a Merrick customer a long time. I had fraud and merrick called me asking for personal info. I was not comfortable with that at all."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: dbbfc86eb2724331aa66af0dc6b32f17
encoding: FLOAT32
metadata:
{"chroma:document": "The monthly fee is the source of my dissatisfaction. I just paid off the card, think I am free of monthly payments at least until I spend, then get a notification that I owe $6 in the next 15 days or I will have a late payment fee attached. It is rather frustrating when I have paid a large sum onto the card to pay off the debt. This is not the first time this has happened, either."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0ed94f9372b04cf5acc778d938b3d137
encoding: FLOAT32
metadata:
{"chroma:document": "When I was notified of the new card change I choose the blush color. My card was lost in the mail. So I had to reorder and was not giving the option to get the card chosen which I was not happy with. I was told the option was not available however if I ordered it in the beginning it should still been able to be honored. I was very disappointed in this outcome."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9953fc1be6d2450c9bf3e8f2607328fe
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{"chroma:document": "I like how the App makes it easy for purchases and payments. Thank you so much. I need to do some home repairs my flooring and that's about 5,000.00 and the front porch it's falling apart. Yes I want more on my card. If I just had one card with Like 10,000... I would get rid of My other credit cards. Well I'm paying everything off and then I'm going to remodel my house."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "You have one of the best websites around. It is easy to navigate and to use. If I ever have an issue, it\u2019s taken care of with speed and great care. Merrick is very efficient in dealing with me and I am glad to be a customer."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Was told my order would be rushed and it didn't get rushed and I wasn't told about it. Second time the card supposedly shipped and didn't. Not happy about this at all. Plus, I was misinformed a couple times as well."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e6724f82895a4d75b7469c566115ec6b
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{"chroma:document": "I love the online bill pay feature. The online app is very easy to navigate and read. I have never had any issues. I would very well recommend Merrick Mobile app to everyone who uses and/or does business with Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6bfe1203431b4f969458b0f14d03aedb
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metadata:
{"chroma:document": "I think this is a great company. They answer all your questions and listens to what you have to say. I have experienced a great relationship with this company. Thank you.. I recommend Merrick to everyone you will not regret it."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1340d98b1cd346ad8b2a070fbe5bf7cb
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{"chroma:document": "I was on the phone for 1hr and 40 min plus. Transferred 4 times and nobody had an answer. I asked to speak with a manager. They told me they were busy. I had called back late at night, spoke with a manager. The manager didn't have an answer. I had to be put on hold for them to find out."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: bbea13f58db942dbb42a8804e8433e6c
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{"chroma:document": "I was very pleased with the way that my situation was handled concerning my payment. I made a payment from an account by mistake and I corrected it immediately. I was not penalized for the mistake and I was happy to see it did not affect my rating on my credit card report."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b9831ce851ad4bddab50ba23b002b41e
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{"chroma:document": "I wanted to know if I carried a zero balance would I still be charged the monthly annual fee and she laughed and said yes then she said no. So I still have no clue. She was very nice. I just felt that there was a language barrier which did not allow her to understand my exact question."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 64d0dde9e910488591917da40c539a21
encoding: FLOAT32
metadata:
{"chroma:document": "I am happy with my credit card, however you switch from visa to MasterCard. I never got my Master card. Try calling on the phone but didn\u2019t get anywhere. Too busy please call me to fix this issue. Thank you,"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0f543458e9e84ab28e7ddf847777d0a2
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{"chroma:document": "I recently moved and changed banks, unfortunately my banking information was wrong and a fee was changed to my account, if all my accounts Merrick Bank was the only one that didn\u2019t return the fee. The associate I talked to was very rude and unprofessional. I have always paid my bill promptly and am very disappointed with them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9b7801d98bbe4518b27fac6a82635d99
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metadata:
{"chroma:document": "My interactions with Merrick have all been positive, helpful experiences. When I was a day late on a payment I had a prompt email reminding me to make the payment. The app has been super easy to navigate as well! Thank you!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 91c7c32664474449b622774fcc1a31f5
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metadata:
{"chroma:document": "Merrick bank credit cards are great whenever I need to speak with a representative the wait time is not long and the representatives are always nice. I enjoy using my Merrick bank credit card because when I filled out the application for my Merrick bank credit card it said that every 6 months I would receive a credit line increase as long as my card remained in good standing and just as it stated every 6 months receive a credit line increase."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0d071d11c4b748b695d26556c9b6045b
encoding: FLOAT32
metadata:
{"chroma:document": "I do like the credit card. I do wish there was a better way to get a credit limit increase. I also would like the account to be updated quicker-taking two days to update an account is a bit slow in today's technology."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 63aa38a8ae8d4250baf01c403eb80c6a
encoding: FLOAT32
metadata:
{"chroma:document": "Was very helpful with explaining my credit card to me and helping me get through the process. Was very patient with the questions I asked and didn\u2019t have a attitude. I would love to recommend this bank to other people"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 20e5515f35a6493796ed90b52dfb8c68
encoding: FLOAT32
metadata:
{"chroma:document": "This Credit Card company is professional, wonderful and very customer service oriented! All THEIR employees are in the United States and have the values of real America! I would recommend Merrick Bank to everyone, especially for the True Americans who believe in meritocracy."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8c6a0e4c779a4ef796f34978d6452bbb
encoding: FLOAT32
metadata:
{"chroma:document": "My credit number approximately four months ago was atrocious. Yet Merrick bank did not turn me away. In fact they were happy to have me as a customer and give me a second chance. I look forward to building my credit"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4834e9228c5e4ac4bb7eb6772a19b45f
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank was there when my choices were few giving me the chance. They improved my credit score. They improved my life and now I'm getting credit card offers from more companies that had refused me before. I remain loyal to Merrick bank for helping me on many levels. Thank you Merrick bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 55885bd1b5694fc496393a7214429fa0
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick Bank has been very basic and unsatisfying, I've been with merrick with over a year now. I have secured credit card which I never missed a payment and have had good history, I was never offered a better card or even a credit limit increase unless I sent my own money which is very bad after a year of being a loyal customer to you guys. Honestly if I didn't need this account for my credit history I would close it, please in future do better to your customers, I have other credit cards that made my secured cards unsecured and gave me a great credit limit in only 6 months. I hope you guys do better in the future."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 590c83863d42466d85f7cc27662d7e5d
encoding: FLOAT32
metadata:
{"chroma:document": "First, consider yourself warned. DO NOT apply for or deposit ANY money into a CD with this bank. My financial advisor disowned me because I blindly applied for a Merrick Bank CD. First, as we know it is ALL online with little or no guidance after a laborious application. The sketchy sporadic failure of the employees to answer the very basic questions is frustrating. Phone static and incompetent phone employees is insane. Nobody has any answers and the answers you get are VERY different than the ones you got the day before. My application took over 2 hours, I reluctantly provided all critical, personal information (I know, never ever do that) but I did. My application was accepted last week then today.... yup! They lost it. The lost my online application. Expect that to happen to you IF you are dumb enough to apply to ANY account with Merrick Bank. They are HORRIBLE."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ec3c55759e904a0188b3f6d1da3ccfba
encoding: FLOAT32
metadata:
{"chroma:document": "After 9 years of being a loyal customer never late always more than minimum due paid. Not only did they cancel my card they would not even speak to me about reopening my account. I was denied access to a supervisor."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 953d0c01d2314a19b9db01bf3f9ea129
encoding: FLOAT32
metadata:
{"chroma:document": "I am Very happy with credit card. I just wish my interest rate was less on purchases and cash withdrawals. I have paid more than minimum payment and wish that accounted for a lesser interest rate. I appreciate the credit limit increases."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1d676ff4e21549a6a5d4b608e8c0b02b
encoding: FLOAT32
metadata:
{"chroma:document": "I enjoy using your product, I don\u2019t have to call in with any issues but when I do I can count on your professionalism and ability to solve my issue. Very courteous and great value to use, also the ease of using your website."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a77666fd9cb04c02aec0225f2bd7c1ad
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank is a GREAT Bank. I'm so glad to be associated with Merrick Bank. I give 5 stars, for excellent service and for the credit increases. Most companies advertise services and then do not honor the services, Merrick Bank delivers on all the services promised."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9846bd07215847759a9b0be30d4024d2
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{"chroma:document": "Would like a better interest rate. Always a larger credit limit. Also some of the retailers I go to, do not accept Master Card, only Visa. Especially Costco. I shop there a lot, and now I can\u2019t use my Merrick Master Card there, because they only accept Visa. Why did you make this change?"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2a7d7c29efb946839ce726ca902d62b4
encoding: FLOAT32
metadata:
{"chroma:document": "No complaints. Bills are accurate. On time. The automatic increase in credit line shows that you are appreciative of consistent on time payments. I will definitely recommend your service. Wish that interest rate could be reduced rather than increases in credit limit."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9df64f77e2234c448841d40d7d524a1e
encoding: FLOAT32
metadata:
{"chroma:document": "Little or no help at all. Trying for 2 weeks or more to get these charges off my card. On the phone waiting for 2hr. Took the day off because I knew it would take all day to speak with anyone. I have been a member 2013 good standing. Just don't understand."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8f310d08f11345f589bf0a192b3fe893
encoding: FLOAT32
metadata:
{"chroma:document": "Was notified of possible fraud, froze account, issued new card, for 4 weeks I have been unable to speak to someone to dispute charges, transfer calls get hung up on, on hold for over an hour twice, leave messages and no one ever returns calls."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d21c7aa6874e477ab7a6ce9599a12733
encoding: FLOAT32
metadata:
{"chroma:document": "Card doesn't work at Costco, the gas pump doesn't accept Mastercard. I always get my gas at Costco. I have to go to another gas station and the gas cost more. Costco gas stations do not take cash either. Thank you. Sally **"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1344e7aff3e44bc0af3a92f77b827d1a
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metadata:
{"chroma:document": "Very polite, professional! Extremely knowledgeable and patient...The person that attended to me was nice polite and courteous. They answered my questions and solved my problems with speed and accuracy. It was a pleasant experience!! I did not have to wait long for someone to assist me. I was very pleased.."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a8a481e8161340d48bbed09a1e48fe64
encoding: FLOAT32
metadata:
{"chroma:document": "I called regarding the interest I am being charged since my time with Merrick. I chose to have my call returned rather than staying on the line. That returned call never was returned. Whenever I call, I will remain on the line. I understand that the staff shortage has caused long waits, but I\u2019ll wait."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 028f60c1e32945dab836549d763f8df1
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a Merrick Bank card holder since 8/2012, and but the past two days was the last straw. I have an unauthorized charge to my card and I have been trying to dispute it for the past two days. Been on hold for a total of 2 hours in two days. Thirty minutes the first day (7/26/22), and 1 1/2 hours the second day (7/27/22). "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5a3f8eafc7f4408da28cecc844883fa8
encoding: FLOAT32
metadata:
{"chroma:document": "I got a card over 8 months ago with Merrick saying they would double the credit line after the 8th payment. I made all 8 payments well within the timeframe, was never late, and few weeks later no credit limit raise. Tried calling them they never answer just leave you on hold, contacted social media help they want you to DM them only to call you and if you happen to miss the call then it's back to calling them back and being on hold and hold, even with the specific phone number and ext they give you on voicemail. Now they stopped responding to me at all. So yeah, look for better cards, don't go after this one to have more credit line cause it's all a lie."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5ee858e3eed14b148d68c1e0361062bf
encoding: FLOAT32
metadata:
{"chroma:document": "On June 6, 2022, I attempted to make a payment to Merrick Bank of $70.00 on their website. However, their site was down. Therefore, I scheduled a payment of $70.00 to Merrick Bank using Bank of America's online bill pay service. According to Bank of America, the payment of $70.00 to Merrick Bank cleared my checking account on June 13, 2022. I sent proof of payment to Merrick Bank on July 2, 2022. Merrick Bank, however, stated that they never received payment; and thus, have suspended my account and charged me a $29.00 late fee. As a result, I believe I\u2019m being penalized unfairly. This is the second consecutive incident in which Merrick Bank has alleged that they did not receive my payment from Bank of America. None of my other creditors have ever experienced such issues. My desired resolution is that Merrick Bank waive the late fee of $29.00."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a9794355668946e296486d009b693a8c
encoding: FLOAT32
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{"chroma:document": "I contact this company regarding an email that I received for upgrade. When I ask him a question about my concerns this man hung up the phone. So I had to call back and the speak with supervisor. The rep had put in the system that it was a disconnection issues. That false information that employee hung up the phone because, I ask a question about the switch from Visa to Mastercard. The Rep, said, \"Let me tell you something\" and I ask him, \"Who are you talking to with the disrespect.\" The the services has gone downhill with this employees in these other foreign country. English language is not clear most of the time with the broken English. If it wasn\u2019t for customers they wouldn\u2019t have a job but this company need to make changes and provide serious customer services training each month. Some of these Rep behavior is really obnoxious and very disrespectful."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b77d9a8825ee48e790d4649bce912bbd
encoding: FLOAT32
metadata:
{"chroma:document": "I will no longer be able to use at Costco, there for your Stupidity and your greedy Management to change to Master Card which I also dislike. I will do my best to discontinue use of the card till I pay it off."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2305325e7ceb4275b4bea9d4c558f284
encoding: FLOAT32
metadata:
{"chroma:document": "Did not help with trying to work with me regarding payment history, lowering interest rate until working hour become back steady. Also, I haven't used this card since January 2022, at least you should grant me 6 months grace period until my money situation become back steady. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a15a6e6e87424ab0a40673c30e92a342
encoding: FLOAT32
metadata:
{"chroma:document": "I am very happy with the service that Merrick provides. And the fact that you reward your customers with benefits that really matter, based on performance and compliance. Being willing to increase the credit limit, based on being a good customer, is very helpful."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1213bef376e646b49ac7a015c29ca5d6
encoding: FLOAT32
metadata:
{"chroma:document": "Easy, fast and useful. Everything has always been very personal and discreet. I feel that my personal information is very well protected. I feel very good being a client of Merrick Bank. I feel I can recommend Merrick Bank with confidence."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: da2b594d81304d3db26462eb7e01c665
encoding: FLOAT32
metadata:
{"chroma:document": "A flight was booked using a Merrick Bank card in early Jan. I had covid and could not fly per the country's regulations. Merrick could not help in refunding the money after I was not able to receive help from the airline. They denied my case although for other purchases placed on other credit cards all were refunded. I am looking towards cancelling my account as my other cards are much better."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f49a4cbcfc2b4df7b67484a20d28826b
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metadata:
{"chroma:document": "My one complaint is that I had it set on my computer to automatically log in which worked great for a year. My computer re-freshened and forgot the login and password. I do not remember them and have been unable to get online again due to the impossibility of getting them on the phone. It tells me to go online, but without a login or password, it tells me to call them. A perfect catch 22."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d4a0936fce034bd6be3fc2d90d03948b
encoding: FLOAT32
metadata:
{"chroma:document": "We love our Merrick card. Merrick bank is a great company, bank to deal with. They have Easy and convenient ways to pay, we like the notifications - it has been a great experience doing business with Merrick bank card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 355f9cc2447b4f62afda4ad1d1cd2db8
encoding: FLOAT32
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{"chroma:document": "Called MB on a Saturday to have a new card sent to me, expedited, and agreed to the $29 rush fee. Told to call back on Tuesday for tracking. Called and no tracking. Called the next day and MB confirms this was sent out yesterday, standard. MB confirmed notes in the account that the replacement was to be rushed. Agent put me on hold for a bit and came back and told me they would send it out today, expedited, and waive the fee. Great! Asked for a tracking number and put on hold, call unfortunately disconnects."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2898e44a8878408eb007fa28381afa59
encoding: FLOAT32
metadata:
{"chroma:document": "I like the credit card and had no bad experience until I decided to pay my payment earlier than the due date. I decided to pay my bill on the 1st thinking I would get it over with so I wouldn't have to worry later. Well they ended up on the following month saying that I never paid. I called and was told that because I paid on the 1st it was put on the previous month as I paid 2 times for that month. I was so livid because I was never told in any of the paperwork that you would be penalized for paying early. Which the lady I was connected to also stated how it's not my fault because they don't tell anyone. But yet I still have to pay twice the payment amount they had me pay a payment and added another at the end of the month. Which makes it 2 payments I have to pay and was not told that during the conversation on the phone. I had to find out when I looked on my statement. Lesson learned. I will not pay any of my credit card bills early again."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 82b3a0068e58406092b5b08b48f3e8ec
encoding: FLOAT32
metadata:
{"chroma:document": "Great communication via email. They offer autopay which is awesome. You don\u2019t have to request a credit limit increase as they periodically check your eligibility and give you one if you meet their standards financially. They don\u2019t have any monthly fees unlike this First Premier card I had that would charge $6 a month even with a $0 balance."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 36d6dc883a334b8a9355746804e02b33
encoding: FLOAT32
metadata:
{"chroma:document": "I love this credit card. They are very helpful when you have questions and up your spending limit when you are keeping your account in good standing. The extra credit comes in handy. I just moved into a new place and the extra credit came in handy. That was great. I didn\u2019t have to ask. Thanks."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6d8a87035f574558808f4a9f139adb20
encoding: FLOAT32
metadata:
{"chroma:document": "I would highly recommend Merrick bank to anyone. Great company. Always there when you need them for anything. Customer service is amazing. Very helpful and knowledgeable. I definitely am a life long merrick card holder. Of all the cards I got merrick is the absolute best. One low interest. Very fair reviews of my credit and very honest. Love this company."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 56b11d66d5fa4dbcbd0df318cb2de464
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{"chroma:document": "I found my experience with Merrick Bank satisfying, because it has given me an opportunity to reestablish my creditworthiness among other things. Merrick Bank offered me a generous line of credit to start, a chance to maintain the ability to use the Merrick VISA credit card in a responsible manner, and all the while help me increase my overall credit scores. I was then able to rebuild my credit, showing that I was deserving of the chance, and I went on to establish a good relationship with a creditor. Thank-You Merrick Bank! Ms. Terri"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ca7fecc443d04b309bd4b884f91bd544
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metadata:
{"chroma:document": "I'm happy with having the advantage of a Merrick Bank card and would recommend to a friend or other. I've never experienced any issues and like the ability to view my account online. Paperless is good, paying online is great."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2a653ddbee2a48d8a1751333fa6f0f19
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metadata:
{"chroma:document": "I\u2019m enjoying the service. It was my first credit card. The APR is somewhat high but my credit score was crappy when I applied for it. Just wish the limit increases didn\u2019t take so long or were so little. I think I\u2019ve had 3 increases. Had the card over 3 yrs."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4b2836e9f5564952b1628026fbd6f0e3
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{"chroma:document": "Merrick Bank has been great for me. I would recommend my friends and family to them. Customer service was great. They resolved my issues and will remain loyal to Merrick Bank. Merrick Bank keeps me updated on what's happening and when it's time to review my account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1cb8635f14684249ab3723f6acbd5a39
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{"chroma:document": "I paid my bills on time perfectly. Never missed a payment. I got approved for other CC and accidently forgot to utilize my Merrick CC for a little while. Next then you know, my account is closed without warning for lack of use after 8 years! Called CS and they were so callous about it, just kept saying over and over, \"Sorry it's in the policy.\" Matter fact, I actually did not get not ONE sorry from any of the customer service. Don't waste your time with Merrick, they hate on their own customers. Spiteful and jealous corporation. Total **!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f19a991b2b1a42b087d728fb86c29cf2
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{"chroma:document": "Got qualified for a Visa. Received my card instantly and activated. My beef is that they sent me a separate PIN in a mailer which would not work. When I called their support to get it changed, got a very foreign speaking rep who first asked for my full account number, then my full SOC. I don't think so. Didn't trust that. I hung up."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 45ccf774a944470d8a70f798fc5ddb40
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metadata:
{"chroma:document": "Does not follow through with offers they make to get you to open account. Their guaranteed credit line increase after 6 on time payments is scam. It doesn't happen. The so called guaranteed increase is just to sucker people in."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 840395dcf6174ce989dc2e24f25f6994
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{"chroma:document": "After being a single mom for years, my credit was not exactly good. Merrick Bank gave me the opportunity to gradually increase my credit worthiness with regular increases for maintaining a good payment history. The automatic reviews are convenient rather than having to submit a form to increase my credit limit. I would definitely recommend this card to a friend."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: dedea288caa74e0fbe858c89f2f51710
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metadata:
{"chroma:document": "I have so appreciated Merrick's \"trust\" in me...when I first got this card my credit wasn't the best...but Merrick trusted me...gave me a chance...and has often increased my credit limit. This means so much to me. You are a great bank...and the couple times I have called customer service they were very helpful. Thanks a million. I love you guys...Bob **"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: cd69c7efd4f64152a760eb4cbe70b4e3
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metadata:
{"chroma:document": "Merrick is not a company I would recommend anyone get a credit card with. They are horrible to their clients. I put a dispute in and had all the proof that merrick asked of me. The company I was disputing dispute me back. And even though merrick had all my proof they sided with the company. Capital One would have never done that. That\u2019s why as soon as my balance is paid off, I will be closing the account. I will tell all my friends who are looking to open an account with merrick to just stick to capital one. Merrick does not value its customers. It\u2019s all about money."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 13598a27dd3d4d4dbc9c82b48ef430cc
encoding: FLOAT32
metadata:
{"chroma:document": "I was scammed on Paypal. My bank, and Capital One both reversed charges. Said not my fault. Merrick did not. Said valid charges and screwed me with almost a thousand in charges. Will be paying off and dropping this card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 65b6ce3758f042bd8a0bf4720a484fbb
encoding: FLOAT32
metadata:
{"chroma:document": "I consider Merrick to be a fair and awesome company and I always recommend them to my friends and family. I really appreciate them because they are very friendly, courteous and professional to do business with. Thanks very much Merrick."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: cd9c3c6d4e9f4aa4944f5dc44f5b8eca
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metadata:
{"chroma:document": "After paying my balance in full my account has been restricted. It has been one week after the payment cleared my bank. I checked the available balance before trying to use the card and was embarrassed trying to make a purchase only to be declined. Customer service informed me I needed a letter from the bank stating the balance was paid. How can this happen when they see it has been paid in full. I have never been late and only one month from double my limit. Must be their way to get rid of you, but customer service also refused consumer request to close account with zero balance."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9d0413abb5f044d8b72bf8bc9074aaa0
encoding: FLOAT32
metadata:
{"chroma:document": "You can be assured that Merrick Bank will help you find the resources that best suit you. I have a credit card with Merrick Bank that I have never had an issue with. You can trust the services that Merrick Bank offers."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 411ccd9e237d4f23b511fb26fe4e5eb6
encoding: FLOAT32
metadata:
{"chroma:document": "I am very happy with the bank. Their app makes it very easy to keep track of spending and making payments. It's always worked. No glitches. Recommend to friends and acquaintances looking for a good bank card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1fdc2706c068457e94b2f8743e79cfa0
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{"chroma:document": "I have a couple issues with Merrick bank's credit card. Firstly, they have reported my credit usage at the highest point of my credit use. That is awful because I have always paid my monthly credit card bill in full well before the due date each month. I have NEVER carried over any balance whatsoever. I currently have zero balance, but my credit usage has not been updated with the credit bureaus! Because my credit lines are limited, the high credit usage on my credit report has adversely affected my credit score by -30 point over the past two months. It's making me feel sick to my stomach."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4b032d2afddc4b678c33492144ea441f
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metadata:
{"chroma:document": "When I call, it is impossible to increase the credit limit or to review my interest rate. Never missed a payment that I am aware of, and always paid more than the requested/required/suggested amount. When I did finally get through to a representative, she very curtly said, \"We don't increase credit limits at the request of customers.\" Could have said, \"We don't increase credit limits until it is time for a review.\" Would have probably been better received. Thank you, I haven't closed my account, only paid it off."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 38f5282005aa4bc5aa3d54bbd0eff027
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metadata:
{"chroma:document": "I have misplaced my card in my home. I want to cancel and get a new one but you cannot do that in the app or online like you can with literally every other reputable bank. There is not a chat feature either, so my only option is to call and wait on hold. The wait time was over 30 minutes and there was not a call back option so I hung up and still do not know where my card is. I got a new phone and do not remember my password to pay my bill. I cannot reset my password or get my username because it requires knowing the account number. I do not know the account number and do not know where the card is. The lack of customer service is appalling."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6efbc2c148ea4a8d955e25070978bc03
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metadata:
{"chroma:document": "The reason I love Merrick Bank is because compared to other credit card companies, in my opinion, this bank is quietly doing the right thing. I have never had a problem that they did not handle quickly. My issues which have been few over the past 10 years was not problems with the bank and the way it operates. I honestly believe that when I never have problems with my bank it is because they are doing things the right way ALL the time, not some of the time."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ba2e992c73ed417ab9de9ea0643fe1ad
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metadata:
{"chroma:document": "2 items ordered but never received. Charged to my account through PayPal **. Merrick Bank was great in standing behind the purchase. I did not know PayPal was involved. I thought it was going on my Merrick bank card. And there was no indication on the site that it was coming from China. I would never have ordered. Thanks for helping me with this!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d5dd2c3afc89452f8feddbbce1eee735
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metadata:
{"chroma:document": "I'm fairly happy with my card. I appreciate the occasional review for limit increases and the fact that there is no annual fee. I'm not happy with my interest rate and ask that it be reassessed for a lower rate. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ae32295cacc54e71b0f4d1af8fdda909
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metadata:
{"chroma:document": "After realizing that my card was missing/lost, I put a quick stop on the website. Now, I've called several times to speak with someone about a replacement and discover that my wait time is unacceptably long. I'll try again tomorrow, Monday 12/20."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 11925d09ed154daba50fafb99b4331c2
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metadata:
{"chroma:document": "They are kind, respectful, courteous and professional. They are there when you need them. They know how to give and how much to give. The payments are great, the rates are ok. I would recommend my friends."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I am very pleased with Merrick Bank. I've never had any issues with them on anything. I appreciate the fact that you all gave me a chance to build my credit and keep on helping me with raising my credit score. Keep up the great work. Thanks and have a Merry Christmas."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 31885c91ab1d4e02ad67e295217d3c0f
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metadata:
{"chroma:document": "I disputed a charge on the account, they ruled in favor of the merchant. Once my account gets to $785.72, I will cease paying. I can not pay for a service I did not receive. And, now my car is making noises I have never heard before."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 63d3d53ca8be4ca0bb759114daccb9bb
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{"chroma:document": "I was a customer for nearly 5 years while I was rebuilding my credit. After paying off my debts I wanted to renegotiate the terms on my card, namely the monthly fee. I realize that fee is minimal but if I don't maintain a balance on the card why would I want to pay a fee. I called to cancel and sat on the phone for 30 minutes before anyone could help me. Apparently they do not value their customers as their only option to resolve this was to cancel the card. I called one of my other cards held by Credit One and they are actively attempting to remove the annual fee and keep my a customer. I will not recommend Merrick to anyone."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I\u2019m satisfied that with the customer experience and well as the function of the app. The customer service agent are helpful and friendly. I appreciate the automatic increase in my credit line from time to time."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9bfe0eae78294ee0ab106a4ff9763c1b
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{"chroma:document": "$1495 charge about 8-10 months ago. Disputed due to not receiving what I paid for. Followed all protocols, tried to contact company several times. Never received response. Was locked out of their acct. Immediately filed dispute. I was told by Merrick you spoke with them and they said was resolved with me. Never resolved, company NEVER spoke with me. I ended up paying the charges. Horrible experience with Merrick. Now that credit score improved, will be looking to move to a different card company."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c9c965c1bbd2422fa141e32f01ab087c
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metadata:
{"chroma:document": "I have been pleased with the customer service I received. Still waiting on the last request to readjust the interest charged of $61. You actually should have received the payoff check prior to my due date as all the other creditors received their checks. Hopefully this can be resolved before my payment is due next month on the 5th."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I have been with Merrick Bank for a year now and I love how easy it is to use their app. It's not just easy to navigate through my transactions and see what my balance, due dates, and pending transactions are, but it's great that I can schedule my payments prior to their due dates. Aside from those features above, I am so happy that I can check my credit score, which is really important for me to monitor and compare with other credit reporting apps and the three major bureaus."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I have nothing but good things to say about Merrick Bank. They have treated me good and been a great source of help when I needed it. I would highly recommend them to anyone serious about having a good credit card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I have had Merrick Bank card for several years. I always pay on time. Then one day they just cancelled my card, no warning or notice that they were going to do that. I called and no one could give me a reason why. Someone just told me that they could do that anytime. I was furious since I always paid on time. Next thing I knew they had reinstated my card and raised my credit limit which I didn't ask for. I really do not understand their logic."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Merrick Bank has been sitting on my credit card payments for weeks - this is per my bank Chase who assured me all 7 payments in question had been indeed sent to Merrick Bank. Chase also told me that Merrick Bank did not accept them. They do NOT help the hearing impaired. The only way to contact them is the phone and/or snail mail. I cannot talk on the phone. Sent 3 letters to Merrick Bank and NO response."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "It sure would be nice if you lowered the interest rates on your cards instead of increasing the credit. Eventually when I get my card paid off I am going to cancel it due to the interest. You guys do have excellent customer service."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Guess my payment was losted in the mail and I had contacted my bank in which gave me tracing numbers to call Merrick Bank with and the lady on the other end had not a ** clue .... She kept telling me that take 10 days for payment and I sent my payment in 9 days ago....Facts I sent payment a month ago."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f41bde9a9fef482d910fad9b25d84e8c
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{"chroma:document": "I am a user on her account and have been paying on her account for years. I can no longer access her online account and have to pay by phone. I have called to explain this but person was rude and would not listen to my dilemma. The message I keep getting is you are blocked due to excessive attempts with incorrect information. That is just not true. I was told they would have to speak to my mom. She is 97 years old and not capable of a conversation. I would certainly appreciate some feedback on this. I have my own Merrick account and have no problems with it. Thank you in advance, Vicki L **."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Merrick is one of my top banks. I am very happy with the way we manage my account. They have been there when I needed credit and (as long as you make your payment on time) had trusted me enough to raise my credit limit. I am extremely happy with Merrick Bank!"}


created_at: 2023-10-28 02:32:32
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id: dec20d3ad16640fcb1d6d4200d775b27
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metadata:
{"chroma:document": "There are too many steps to confirm that bill has been paid. I have made an online bill payment at least 3 other times that led to me paying a late fee. I assumed that the bill was paid only to discover that it was not. This is the only credit card that I have experienced this issue out of 5 credit cards."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I have only needed to speak with customer service one time, for something was truly was my mistake, and they graciously gave me a couple day reprieve. It was very much appreciated and definitely needed at the time. I would certainly recommend Merrick Bank to my friends and family!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a37c3f11cb3b4c55a6e22d796b24e18a
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metadata:
{"chroma:document": "Merrick being a credit building company for those who need a second chance, I cannot thank them enough! Limit increases automatically as long as you do your part. I hope this company continues to grow!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fda3140d470d4b2b9301a8f3cf13d655
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metadata:
{"chroma:document": "A few years ago I applied to Merrick Bank for a credit card. My credit wasn't in good standings. Merrick approved a credit card for me and it was my first one. It has helped me raise my credit score. They also increased my credit limit twice. I would recommend Merrick Bank to anyone."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6cda5e429f494283a2404cb60b6b5868
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metadata:
{"chroma:document": "I started out with Merrick Bank several years ago and they really helped me establish my credit. They have given me increases when I deserved them and when I have ever had a question or any information their customer service representatives have always been helpful and knowledgeable. I would definitely recommend Merrick bank to anyone looking to start their credit journey or just need a good reliable credit card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1480c040df884300bcc5dec5fc8cd0db
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metadata:
{"chroma:document": "I started my account with $600 limit with an annual fee and paid on time for 6 months and it was automatically doubled to $1200 as promised in agreement and now after another year has gradually been raised to $1900. I have not had any adverse responses from the company nor problems tracking my transactions or payments on the website account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a4eef62e352f4c92b57eff8863965de2
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metadata:
{"chroma:document": "I applied for a cc. Was approved, however I quickly decided that this was not something that I needed- I did not want to keep this account and I wrote them to close it within a week of approval. I hadn't even received the card yet in the mail, it was never activated. Within a few weeks I was being hassled about my \"payment being overdue.\" When I made contact via BBB for mediation, they responded telling me that I owe the \"annual fee\" regardless of whether or not I kept the account or even used the card. So to just get approval, I was immediately locking myself in for their \"yearly fee\", even after immediately closing the unused account. After my bbb report, they suddenly claimed that they had sent me a confirmation of account closure immediately after receiving the request- this was a lie as I NEVER received any confirmation letter."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8cd4480fcca04c488da28f76cff20b50
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metadata:
{"chroma:document": "I like to pay my credit card account on the phone rather than on computer or cell phone. A few occasions I have spoken live to your staff and everyone has been knowledgeable and polite and were able to help me solve my problem."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: cebb407320ae45a2a0e0e05f3c996f58
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{"chroma:document": "I like my Merrick card because your reward program is so simple and I never had to wait, or accumulate points, blah, blah, blah. I get the credit, how ever much it is immediately. The other cards kill you with complicated programs. Nuts to that!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I received an email stating that I could win a Shark or Dyson Vacuum. So I tried and they told me that I won and the amount they could charge was $2.00. Well, they charged $49.95 AND I Haven\u2019t heard from them since. I appreciate all the help that You gave me."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "A payment was made by a family member and because it wasn\u2019t my account they locked my good standing account insisted on a letter of authorization from his bank. His banks corporate office said they do not do letters of authorization, Merrick insists they do. They refused to just cancel the payment and allow it to come from my account on file. I\u2019m a customer who has never been late or over limit. So not only do I have to figure it out, I have an outstanding balance I can\u2019t pay on because I\u2019m restricted from my account! We always pay on each other\u2019s cards and this is the only one who has given any issue. Spending a few hours on hold to try and straighten it out don\u2019t make them any more appealing."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Merrick did everything they said and helped me get back my credit. They are very easy to work with and I am happy to be back with my credit score. I really don\u2019t need another credit card, Merrick is great. If a person wants to establish a good credit score they will help you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Merrick Bank credit card has been great for me helping me build my credit and thru hard times in my life. The only thing I would like to see is after a certain point Merrick would drop the interest rate for customers that have good payment history and their credit rate get up to a certain level."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I\u2019m a new home owner and I\u2019m updated the curb appeal, new windows, new AC & furnace, new water purification system, and I\u2019m updating a lot of the interior, my problem is cash flow..on had money to manage from week to week. Merrick Bank is a big part of helping me manage with the use of their bank card. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 90980d3bb98f434bbce21847e9fff453
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{"chroma:document": "I cannot login to my account because it says too many attempts have been made. I called and worked with rep to change password. However, after one successful login, I received the same message that there were too many attempts. I don't know why this continues to happen, but it is frustrating. Now, I just call in to make payments."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 79ddb1b7488e4759904766b737445608
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{"chroma:document": "I have not had one other than my Double your line. The increase my wife had was a measly $200. If you want to compete with Discover or Credit Union then the increases should be substantially higher. I\u2019ve been with Merrick for quite sometime without an increase and it is very frustrating."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Never had any issues with the card or making payments. Thank you very much for being a great company that allows for people to get credit cards and build their credit. Good job! Have already recommended this company & card to friends."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1b4fd638956e44d7ab26f98eef680931
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{"chroma:document": "When I reported my card stolen I was told I will have a replacement in 7 to 10 day. I called back on the 10th day and I was told no card was requested so I waiting almost a month. I had issues with motels refunds and disputes on my account. I called and the rep said I can help you, you have to wait."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "We had prior credit issues and decided that we would only have one credit card. Merrick Bank gave us the exact credit line we needed to keep us in check. The easy access to information and the helpful customer service has been both satisfying and mutually beneficial for my husband and I. I highly recommend Merrick bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I was in Hospital 6-27/7-7. Not enough oxygen to body?! When home I was so relieved I took time to just breathe! When I realized Bills were due, thought I had all bills, couldn't remember all. Called Merrick! Told them. Said all ok. Would not dun me. They did. Late fee 29.00 on 7/8. Still love my card!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e79e8387946d410d98206222e53868c6
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metadata:
{"chroma:document": "Although I\u2019m not in constant contact with them, I do enjoy the fact my credit limit keeps climbing. I use the card only as a backup when my wife and I are on vacation. The payments are lower than some of my other cards."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 47ab52787121462b887255ba41019149
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metadata:
{"chroma:document": "I have been very happy with my experience with Merrick Bank. I have always been able to contact the customer service when I needed help and the representatives have always been able to help me in a professional manner."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0e2d7d4734e34b6d962a50b0793084ff
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{"chroma:document": "Had my card for a couple of years and the automatic service works good to make my payments in time. It also gave me a chance to improve my credit score and my credit as well. I am happy with Merrick Bank and would recommend to friends and family."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b9f844d31b3e4af181f38bad7593fe8a
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metadata:
{"chroma:document": "I am very happy with the way I have been treated by Merrick Bank. The credit increases have helped me to attain a greater buying confidence. I would recommend this card to anyone looking to start a credit history or rebuild a credit history."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 30403e5a74af4e27bfdb48b1cc8255cf
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metadata:
{"chroma:document": "They're OK when looking to rebuild your credit, but once you get on track again there are much better options. Customer service is outsourced internationally and the interest rate is one of the highest in the market (at least for my credit score). On a positive note, overall, the mobile app works well."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "Every time I deal with someone which is rare I have the best help and they fix it immediately. I also use your app. Which is hooked to my bank account and with one swipe I make a payment by the way is pretty freaking amazing."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f8af6bb37a5748348f9d83d8d155132b
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metadata:
{"chroma:document": "After sending over tons of documents and waiting a week for a $5000 loan, they declined me due to income/debt ratio! I make $2500/month and my total debt is $5000! The whole reason I was applying for the loan was to consolidate and lower my payments. Ended up going through Prosper and got my loan the next day with minimal documents and a lower interest rate/payment! Don\u2019t go through Merrick!! It\u2019s a waste of time and money!! Use Prosper instead! I was much happier with their super easy application and super fast funding!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I do not like the face that you will only take off late fees once a yr. If a person calls before their due date the late fee should be waived. I has some ill family members with covid & I managed to keep working as much as I could to pay my bills & also take care of them. So my paycheck were a little short & I just needed to put it off a few days & they said no because I had already ask for them to waive 1 this yr, due to the same circumstances. Almost always paid on time."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ef0513dc9f384f4fbf7282727fa0bb22
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metadata:
{"chroma:document": "I have never had a problem with Merrick Bank at all. Customer service is very friendly and helpful. Raised my credit limit without me having to ask. A lot of benefits with having this credit card and the list goes on."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9df3efe74aa24d2a944566876621bcde
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metadata:
{"chroma:document": "We love Merrick Bank... You have been wonderful to us. We hope to continue this lifelong relationship with you... We always receive good service and very helpful agents! Thank you again! I would recommend you to anyone!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0f4341bd01e3470393040fc753aff806
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{"chroma:document": "I have read some of the reviews. Those are company generated reviews. Click on MERRICK BANK LATE FEES and see what people really think. I have very good credit. To the point that I tell companies that I do not want any increase in my available credit. My bills come in and I pay them. Three times in the last year I have had late fees tacked on to my fees even thou I sent it in two weeks in advance. I sent four other bills the same day and no problems. The last two times that they charged me a late fee, I Had the postal service date stamp the envelope before I sent it out to prove that it was sent out at least two weeks prior. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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encoding: FLOAT32
metadata:
{"chroma:document": "So far I've had nothing but great encounters every time I have had to talk to customer service. The card always works and auto credit line increases have been decent. I personally would like to see more often credit increases but also understand on a business level why it is the way it is."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 263fecedd7ac45579333a33e4a28b945
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metadata:
{"chroma:document": "No \u201corder #\u201d or request for assistance. I did receive a limit increase (unrequested). Only other business conducted has been my usual monthly payment activity. All this said, I certainly appreciated the unexpected limit increase and I always have a painless monthly payment experience. * I REALLY appreciate a very realistic and reasonable cutoff time. Some cards have a cutoff time which is actually early in the day of the date due, especially when time zones are taken into account. Seems somewhat unfair for your payment to be required made by 4pm of the date due, when it should realistically be midnight. Oh well, not Merrick. Live and learn AND read the fine print. Thank you!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5d94a1177f514e4d90fcf57c92b2e79d
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{"chroma:document": "This young person Jose ** Is just starting his life as a new High School graduate & is now going to College to continue his education in Diesel mechanics. Merrick Card has help me build my credit back up again. I believe this is a great opportunity for him to start on."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2ace5ca695274888b495fb1b3e10ecd8
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metadata:
{"chroma:document": "So far I have no complaints. I\u2019ve had a card with Merrick a while now and have had good credit increases. Also I don\u2019t worry about extra fees or anything. What you see is what you get. I love the app and the customer service is excellent."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7428c3ef66464fc48819e9094bfdf570
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metadata:
{"chroma:document": "Very pleased with the customer service and with the ease of doing business with Merrick Bank. I just wish there was a way that a long time customer as myself could switch my credit card account to a no fee account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I have a credit card from Merrick bank & my husband has one as well. They increase credit lines after 7 months of your account being in good standing. The credit line doubles at that time. Their customer service has been great as well."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I am happy with my overall experiences with Merrick Bank and how you increased my credit limit several months ago. I think that you should have a better system for displaying recent credit card activity or transactions. I think it should be displayed on the account home page of your website, maybe in 30 or 90 day increments up to and including the last 6 months."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "This company has been great. They raise limits periodically if you make your payments on time. Their mobile app is very user friendly and works instantly if you need to freeze your card/account if you have a lost or stolen card. I really have enjoyed their services."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Other banks have declined to give me credit card as I had no credit not because I have bad credit but because I just didn\u2019t have credit. Merrick Bank not just have a credit card but now they upped my credit limit. I am happy with my card. Now I am building up my credit. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6819a71f1d3543449be012e9d99c4db5
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metadata:
{"chroma:document": "Great credit boosting card with very reasonable monthly payments! Love the credit line increases!!"}


created_at: 2023-10-28 02:32:32
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metadata:
{"chroma:document": "When disputes occur the Credit Card Companies have a legal obligation to be impartially and decide with Facts which party breached the contract. Merrick Bank did neither and demanded pay without investigation."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I am very unhappy not realizing I was going to have to pay a fee each month not to mention the interest rate being so high. I guess with the Covid 19 going on and everyone's income being hurt others are regretting getting this charge card. Hopefully I can pay it off soon. One month I had a 27,00 extra fee and the gentlemen I spoke with on the phone said that charge was because I used the card to charge something. Well on that note I have been dearly trying not to use it. I will try to get my balance paid ASAP so I can close this account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I am very happy with Merrick Bank, they have been helpful to me on several occasions. They are courteous on the phone. They answer the questions that I have asked and they give me advice when I ask it."}


created_at: 2023-10-28 02:32:32
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{"chroma:document": "I called Merrick bank regarding a merchant who repaired my car. Come to find out the mechanic closed his shop when I went to complained about my vehicle. I logged into my card and I saw it was pending. I asked the customer service agent at Merrick please cancelled the transaction. They told me no. I was dissatisfied with the merchant. They did not repaired my car. I was told to filed a dispute. Meanwhile the transaction was pended. So I filed a dispute and I was denied twice. I was told they are not ensured to give me my money. And I have to go to small claims court and dispute the payment. I am done. You are better off getting a credit card from another bank. I have to pay $700 for a car that was not repaired at all.."}


created_at: 2023-10-28 02:32:32
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{"chroma:document": "I was charged during Covid 19 restrictions for a gym membership that I could not use. I disputed these charges but it was found by Merrick that they were legitimate which I still disagree. I will not use this card for any type of recurring charge in the future and my Merrick card is no longer my regular credit card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I just wanted to say with you guys you're one of my credit cards that I've had the most advancement in the most payment increases with. I'm grateful to be affiliated with your bank and hope that we continue to do business together for a long time. I thank you guys for a continuing to be a great Bank even throughout this pandemic and I just wanted to say thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Considering that I am A++ credit, I found their high interest rate and poor customer service to be a limiting factor in using their credit card regularly. Then they clinched it by closing the account without any advance warning simply because I had charged anything to the card for 12 months. You would think that with a $45 annual fee they would just keep the account open for the free money they get off the annual fee, but nooo. No matter. I get better card offers from other banks all the time."}


created_at: 2023-10-28 02:32:32
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{"chroma:document": "Chase, so far, takes the cake when it comes to consumer UI and ease-of-security alerts, but Merrick Bank definitely has improved over the last couple of years in the consumer UI and ease-of-setup aspect. Still like keeping their Credit Card due to the constant automatic limit increases and the fact that it reports to Transunion and Equifax, at the same time, for the same card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 01311e23be8b4a52bed0806156e99683
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metadata:
{"chroma:document": "So far as a Merrick Bank credit card customer I have been very pleased with them. Any questions are answered quickly and professionally. Rates are good and the online credit card management tool is easy."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 25654d766b584f01a8b025933d12fb9e
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metadata:
{"chroma:document": "I have had a great experience with Merrick Bank, and their Credit Card, it has helped me to establish my Credit. And, has rewarded me generously, with credit line increases, for which I was appreciative, because of my excellent payment history. Thank You, Merrick Bank!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ad611159c5434d3a83e2569335f7df33
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metadata:
{"chroma:document": "Every time any unexpected charge has occurred on my husband's credit card account, we call customer service and they have looked into the charges with us right then and we were able to get the clarification needed."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0f925edab04248a1b99f28eafc63a2d6
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metadata:
{"chroma:document": "This was a great company for a secured card to help rebuild credit. I do wish they would offer the option to switch the account to an unsecured card after a period of time with a great payment history."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d5d28f0f3fb043f19e54f67b29ba4676
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metadata:
{"chroma:document": "Increase in credit limit, I have been a loyal customer for years. Pay my bills on time and gotten other credit increase, my credit score has increased drastically and high. Still has not gotten a proper increase in my credit line. I think I will use this card less and get another one."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 97aecc7884394e53822d132a0cae6b72
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metadata:
{"chroma:document": "They made the payment manageable for you and getting to the website is very easy at all time. The only one problem I think that they can make the interest rate smaller after being a long time customer with good credit rate and keeping your account in good Standard."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I scheduled a one time payment and then a day before the payment I signed up for auto pay but took both payments. I called and they said to call my bank there was nothing they could do. The bank won\u2019t refund the payment unless I can show that the card was paid in full. I need my overpayment of $789.32 ASAP."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: edfecf3d5f4d4dd3be50aa199261a575
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{"chroma:document": "Never received a refund for a cancelled flight due to the 2020 pandemic. The airlines gave me useless credit towards my next flight when I wanted my money back. I went through with Merrick Bank to force a refund and instead they sided with the airlines and refused my refund. Been a full year and nothing. When I needed you to protect my money during the toughest year of my life, you weren't there. I've since signed up with another credit card that actually reports with Credit Karma and Transunion (4 years since I got your card and have no credit to show for it!). Extremely disappointed."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 67c5d7294af34fc380f52fbe2022fd26
encoding: FLOAT32
metadata:
{"chroma:document": "I would\u2019ve kept a card if you didn\u2019t nickel and dime for a four dollar a month fee with my credit. I don\u2019t need to pay a fee of any sort as now I have three credit cards that don\u2019t charge me annual fees so that is why I got rid of your card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 288524265b324a55914008b1e47152c6
encoding: FLOAT32
metadata:
{"chroma:document": "Having Merrick Bank Visa card is been very great. In the past I had Credit card with other Bank, but they had to closed it because I was in a situation I couldn\u2019t pay on time my bill. But when I got Merrick Application to build my scores by using their credit, I took this opportunity to use this Credit wisely and always pay on time. Ever since then, I started using it and my scores are good so far. I can recommend anyone to trust Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9712959246d841d797bb3d32b7c34520
encoding: FLOAT32
metadata:
{"chroma:document": "My account with Merrick Bank has been very rewarding. Customer Service reps are always helpful and nice. I would recommend the company to anyone. I hope that things will continue in the new year. Thank You."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9b7ac1d744694c0881be657dac71192e
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick Bank, has been rewarding, in that I keep my account with always paying the amt. On the due date and try not to be late, and is rewarded with my limit being increased and it always come at just the right time."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8ba61849933f49d48b1eeb79afaf3997
encoding: FLOAT32
metadata:
{"chroma:document": "This was my first Credit card since I was 18. Overall I\u2019m happy, the increase my limit every so months. The app is easy to work and pay. I just wish my APR would decrease and cash back opportunities were present."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: bb086b6902e34ce7ba783c3eca21bf41
encoding: FLOAT32
metadata:
{"chroma:document": "I was charged for something I didn\u2019t do and I think it\u2019s completely ridiculous that I have to pay for something I had no part of! I\u2019ve had 3 different people tell me things, but regardless when it comes down to it I didn\u2019t purchase or sign up for anything. Just because there\u2019s an address that says they sent it to doesn\u2019t mean I received something. I had to replace 3 cards due to possible fraud which was brought to my attention by MY BANK, that\u2019s how I even noticed all this nonsense to begin with! I actually had just noticed something very strange on the hill in my yard up by the road, and once I finally went to see if it was an animal, it was actually a clear garbage bag of Amazon packages!!! "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 740a67992ed64431b226c3bbde5f8882
encoding: FLOAT32
metadata:
{"chroma:document": "Overall, my experience with the bank have been average. The interest rate remains high even though my credit score has improved drastically over the years. The annual fee seems unfair since it is in addition to a high interest rate. I have received regular credit line increases, but they are small ($200-$400 at a time). Customer service doesn't offer much information about what is missing or what more should be done to improve my experience."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0d1330fabb0b4ad8af13a77dcd432237
encoding: FLOAT32
metadata:
{"chroma:document": "Since I have been a customer for a long time and my credit score is very good, I think I should have my account offered to have not fees and a better rate. This has not happened as of yet. My FICO score is over 700."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 14a066ddeb364b20a2583f841dadee15
encoding: FLOAT32
metadata:
{"chroma:document": "We appreciate your increase in our credit amount in these trying times. It has made it so we don\u2019t starve most of the month. My wife has been in the hospital recovering from back surgery and have relied on having this card. Thank you again. Dayna **"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b0f492cfa25948918ead7f9332861340
encoding: FLOAT32
metadata:
{"chroma:document": "I would have given Merrick more stars but their unwillingness to reward people like knocking down their interest rate on your card. I have been a credit card holder with Merrick Bank for many years, I live on a fixed income (100% disabled) and I have NEVER MISSED A PAYMENT, NEVER GONE OVER MY LIMIT, NEVER HAD A RETURNED PAYMENT (money to make payment has always been in my account). I just feel when you make all this effort, and been a loyal customer that it should be taken into account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 58002efd699845109651529d3460feff
encoding: FLOAT32
metadata:
{"chroma:document": "I have never been late on my account. I never asked for a credit increase but.. Merrick Bank never offered me either. Merrick Bank has never asked me how I was doing financially, they just ask for their payment each month."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a5de2f79e1064069b51268fa6f39184e
encoding: FLOAT32
metadata:
{"chroma:document": "I got my Merrick card at the same time as a competitor's card. I have made payments exactly the same way on both cards. Merrick has raised my credit limit multiple times and is over double the credit limit on the other card. I appreciate them actually paying attention to my efforts and rewarding me for them. I recommend Merrick Bank to anyone who will listen! Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6c3a4d22960b40a5a45211728d481cac
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this card for about a year and a half now and have received 2 credit limit increases. Overall I have been pleased with the card however the Merrick App could be a little more user friendly. I also would love to understand how they determine the amount distributed at credit increase times."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 945f520f14fa49e0a87da4f8a5b41887
encoding: FLOAT32
metadata:
{"chroma:document": "I have held a card for a few years with never having a late payment, I have other cards from other banks that the interest rates are a lot less. Would use the card more if the interest was lower and the credit availability was higher then I would pay more on it every month but kinda dissatisfied with the interest rate and available credit."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8c3fef95394a4304b47700f6fe56faa3
encoding: FLOAT32
metadata:
{"chroma:document": "When the pandemic first hit and I lost hours at work, I called all 4 of my credit card companies to ask for a lower interest rate and less finance charges to cope with COVID. All of my credit card companies worked with my except MERRICK. I have never missed a payment nor have I ever been late but they would not consider my request."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 356d5ec71f5a40f7b498afd0974d7285
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank is an exceptional credit card company. They mean business and comply with all your needs to establish your account with them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1bcd9a7c8f3d41869471ac3c5d29193b
encoding: FLOAT32
metadata:
{"chroma:document": "No yearly fees and a lower interest rate than other credit card offers. I was approved for a generous credit line from the start, given some of my credit issues in the past. Payments post in a timely manner. Very pleased."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 845fb7fcdb254b62805e52590ab8196a
encoding: FLOAT32
metadata:
{"chroma:document": "I do not recommend. They closed my account because they stated that I did not update my address on file! I explained that I had tried several times, but since there were no changes, it would not accept the form. They \"claimed\" they mailed letters, but never received and stated that it was probably because my address was incorrect. They asked me to verify and SHOCKING, it was all correct on file. I asked if I they would reopen the account, and they said no I could reapply for another card. NEVER AGAIN!!! HORRIBLE!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5221e3689ab14a15819c9fc7e7483b90
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick extended credit to me after having filed bankruptcy. They have helped tremendously in rebuilding my credit. I would recommend them to anyone looking for a good credit card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fd93e3b07ec343b5b24c1f590a7cb2e7
encoding: FLOAT32
metadata:
{"chroma:document": "Great customer service and the app is easy to use. Merrick has also been helpful during these difficult times. They don't charge me a late fee when I send in my payment one day late like other credit card companies. They seem to have a more human quality to their company versus a lot of the other credit card companies."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e721a622c1244bfb892d288b11a0d058
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has allowed me to grow my credit score in the right direction and also rewarding me regularly for being a \u201cgood\u201d customer! I would definitely recommend this card for someone just starting with credit or trying to rebuild or just improve their credit score!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4303592a71674b749fb5f46bf84facb0
encoding: FLOAT32
metadata:
{"chroma:document": "You gave me an opportunity to rebuild my credit following a very difficult time in my life. You have consistently raised my credit limit over time and I appreciate that. I also love your Android app which allows me to check my balance and schedule payments with ease."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6d3e53ff89b34444888f141d762fbca2
encoding: FLOAT32
metadata:
{"chroma:document": "I have had zero problems working with Merrick. I have made all of my payments on time & every few months I receive a credit limit increase. They have even called ahead before processing transactions that they deem suspicious. I would definitely recommend them to anyone."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: bc32549f1eb942628ab519e783b9a290
encoding: FLOAT32
metadata:
{"chroma:document": "I want to thank Merrick Bank for giving me the chance to build my credit score for the better and for giving me a higher credit limit like they promised! I highly recommend them. Thank you so much Merrick Bank!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7c9aed3e48ed42c69ef2d3e0dd93d963
encoding: FLOAT32
metadata:
{"chroma:document": "I would have to say having the loan with them was not a terrible experience. However in three weeks since we pay off our loan we still have not received the title to our travel trailer and they continue to take payments out of our account three weeks after our account was closed in their system. I have to wonder about the integrity of this company and I certainly would not recommend them to others."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 219b35a4067b4c8da806509473022124
encoding: FLOAT32
metadata:
{"chroma:document": "I've had this credit card for over a year. There are so many inconsistencies with this company. Don't expect any credit line increases. One of the worst companies I've ever dealt with too numerous to go into to. Do not subscribe to Merrick credit card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 184def1ee0f744e6abe192db0cd3adf7
encoding: FLOAT32
metadata:
{"chroma:document": "I would NOT use this card. I had no issues until the day I needed to file a dispute. Merrick Bank takes a long time to complete the investigation and when the investigation is done the representative told me it's \"highly likely the claim will be denied\". I was always taught it's safer to use credit cards and not bank cards because in the event fraud occurs the credit card company will be diligent. In my case I ended up ordering a product online. From the time I hit submit I knew something wasn't right."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: bb78c62b48a04081b32ec2e3b77306c7
encoding: FLOAT32
metadata:
{"chroma:document": "I've been very happy with my Merrick Bank Credit Card experience. The application process was easy and my account gets periodic reviews for credit increases. The Merrick Bank Credit Card has helped me build and repair my credit."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5d443fb9bd554f0594f67ddffbf195ad
encoding: FLOAT32
metadata:
{"chroma:document": "Very often, my password is incorrect and the system locks me out. Each time, I had to call the support. They quickly fixed the issue. It is annoying that it seems to lock me out often. However, the support are friendly and helpful."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 94f206da89af470c98922e81ac66cad7
encoding: FLOAT32
metadata:
{"chroma:document": "I love that you guys give automatic credit increases without having to ask for it or hurt people's credit to get it. This is truly the best card I have ever had except for the monthly fees. If those went away with time having the card in good standing, it would be the perfect card. ????"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 819be3c3526242c385134cf91bc64182
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve been very happy with my experience using Merrick Bank. I would and have recommended them to friends and family. They\u2019ve given me the opportunity to have a quality credit card and good credit limit while building credit. Thanks Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 50eb47daf17b47d2994f1297d9e7bb17
encoding: FLOAT32
metadata:
{"chroma:document": "I have never encountered an issue that wasn\u2019t addressed and fixed completely to my satisfaction by the end of my call. Merrick has been regularly reviewing my account and offering credit line increases since I\u2019ve had my account. I\u2019ve been able to completely overhaul my credit rating through my Merrick credit account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1a966823ae444fd0a9df91913f73ec79
encoding: FLOAT32
metadata:
{"chroma:document": "Time for someone to initiate a class action lawsuit against Merrick Bank. Like so many others, I have to send my payment in the day I receive the bill, because they usually do not post it for more than two weeks. When I call to question why they wait so long to post it,  they're not sure, but warn that I will be charged a late fee and interest if I don't make a back up payment over the phone, just in case they don't post it. I have excellent credit and pay off my bill each month, yet I've been through this countless times over the years. Can't help but wonder, how much money does Merrick Bank rake in each month by stealing illegal late fees from innocent customers? They need to be held accountable for their crimes."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a97c275b411c46c79a2d427d30cc96ef
encoding: FLOAT32
metadata:
{"chroma:document": "Great customer service interaction, staff very professional and friendly. Always polite and soft spoken. Exceptional customer care. Thanks Merrick bank for all the service you provide kudos to your team members."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d033f404e52f4becab58034b8d114430
encoding: FLOAT32
metadata:
{"chroma:document": "I use this card as tool to help rebuild my credit the rates are very high so having a balance can get costly. They do not help you when in a bind with any emergency credit increases, so don't count on them coming to your rescue like other credit card companies. They told me quickly that they are a secondary credit company and have very limited services that they offer."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 38b062f5a8944d4482a3c68009546504
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metadata:
{"chroma:document": "I am really big on customer service, whether it is via phone or online chat. I do everything online myself and rarely need help. However when I do need help I expect someone that is courteous, helpful, and knowledgeable. In the past I haven\u2019t had any good experiences. When I verbally spoke with Merrick Customer Service to get help with my account I was thoroughly impressed and the level of knowledge and compassion this guy had! It was so great that I wrote a letter to his boss about how exceptional he was! Merrick right then sold me on their business forever!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 99334fa0f61c42ce93643b35853d089f
encoding: FLOAT32
metadata:
{"chroma:document": "Easy to use and make payments. Merrick's app works very well for making payments. Easy to read/find menu options. Most everything needed is available on the app. Even your \"FICO\" score is at your fingertips."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 25a0de007000428f952de7d1ef8a5715
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a credit account with Merrick while working to improve my credit standing. After several months, I was notified that my limit had been increased! Very happy about that -- means I'm doing things right."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3727253ea8614e83b9ab3cab96301cdf
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has been a pleasure to deal with. I have a credit card from them. After making six months payments, they extended my credit limit without having to ask. I make my payments online, so it's very easy to deal with them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 423de58b08d94472a08a478996de33a6
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metadata:
{"chroma:document": "Life happens-and after a nasty divorce I needed to rebuild my credit some. I got the offer from Merrick Bank and was approved. Six months of timely payments and my limit was doubled; just like they promised. Merrick\u2019s customer service has been great and don\u2019t regret the decision at all. Will be keeping this card!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3cae5f1bfef046e2b00e206666ef1791
encoding: FLOAT32
metadata:
{"chroma:document": "They have been most helpful in the past, and even raised my limit after 6 months. I cannot beat that anywhere! Customer service has been very courteous and friendly when speaking with them. I would highly recommend them if you need to help get back on your financial feet again."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b156d14475ae4dea9bcea54fa121806a
encoding: FLOAT32
metadata:
{"chroma:document": "I have nothing but great service. I highly recommend. They have giving me the opportunity to rebuild my credit. 24 hour customer service. Favorable credit limits. Easy to use app to pay your bill online fast."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6857f1eb8e3b43cea5b38c077f695901
encoding: FLOAT32
metadata:
{"chroma:document": "Please be aware this bank is all about making money and get rich fast, and no concerns about how much it'll affect the consumers livelihoods. They have no intention of help you if you're going through a financial hardship like the covid 19. They claimed they want to help you establish your credit while they made you sign a lifetime annual fees, interest fees set for a lifetime. Here's what they did to me! I did set up auto-payment they took payment out of my account every month for 2 years. Until, I started to received call from a 1800 collecting payment for Merrick Bank. I thought I was scam. I said to the caller, \"Hung up. Let me call the bank myself.\" Surprisingly, they deactivate my auto paid just to get me to reactivated again, so by the time they already charge me a late fee and reported me to all 3 credit bureau. Regardless, how much I fought with them they wouldn't change their mind because all they care about it's what you sign up for!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4b76e1cef50b45978da42cc4efdc77ca
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a member with a Merrick Bank credit card for over 13 years. Recently I discovered through Experian that they closed my account. I called them and explained that my husband had Metastatic Melanoma and passed away and that during this traumatic time and the fog of grief I had failed to use my card. They said they would not reopen my account. I inquired as to why, was I not a good customer? I was a very good customer. Always paid on time, never any late fees and generally paid my balances in full. The end result is I am being punished for the death of my husband because I did not utilize the credit card. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c199c849c8104bbe85673866370c4c71
encoding: FLOAT32
metadata:
{"chroma:document": "I have had the Merrick Visa credit card for several years. They reduced my credit limit because I had not been using the card. I received no warning or alerts. I just happened to be checking my credit report and my limit was dropped from $4800 to $300. They said they do this just before they close out the account. I was never late with any payments and this was my emergency credit card. They did not give me any warning. If I knew, I would have used the card if I knew they were going to close it. Not a reputable company. Would stay away from this bank!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d2d97c38cab94fc2b360b17838610ddc
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{"chroma:document": "I have several creditors and during this pandemic, all but Merrick have offered deferrals. I called their number to see if I could get a deferral or at least get a late fee removed. After several years of on time payments,  I was late by a few days on a single payment. I explained that I\u2019d been out of work for six weeks and would be able to catch up within a few weeks. The operator was short, unhelpful, and distracted by kids and a tv in the background. I paid the bill including the late charge.  A few days later I got a letter reminding me how important it was to pay my bills on time and, did I know that late payments would cause me to be reported to the credit bureau. Their empathy was nonexistent."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1e020de4f5964b068ae5293fe5533aeb
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metadata:
{"chroma:document": "Updated on 05/05/2020: So, as I stated below, 12 days ago I believe, Merrick Bank did reopen my account after they did review the tape to hear that their associate 4 times on the recorded line gave misleading info.. But, they told the BBB that I received misguided info.. So, I've tried for 4,22 hours today after speaking with 4 different depts., and hung up on 3 times, I have decided to pursue other legal actions against Merrick Bank, as they simply refused to do the right thing. As now my credit report has a massive negative mark on it too."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f75b5869df5045dfbf0087a0141f33a7
encoding: FLOAT32
metadata:
{"chroma:document": "I have a perfect payment record and a zero balance. I had not used the card in a while and I got an alert from my credit monitoring service saying my account had been closed. I called them. They said they had sent me an email. They had not. I have every email they have ever sent me. I logged into the website and I had been sent no alerts. They also said they had sent me a letter via mail and then acknowledged it went to my physical address where I don\u2019t receive mail and that they did have my PO Box number. End result is the account remains closed. I expect better from them and I would not recommend them unless you are planning to charge away for life."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5a75cf8667074ab29741e729e49525e6
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a Merrick credit card for over a year but did not use it until March 2020 while traveling. In April, the height of the Covid-18 pandemic, Merrick notified me I had exceeded my limit by $51 and DEMANDED AN ADDITIONAL PAYMENT above and beyond the monthly payment. No big deal, I made the payment. However, it demonstrates what an incredibly out of touch and uncaring organization Merrick is. At a time when most institutions are trying to help their customers, Merrick is demanding additional payments in an effort to boost their revenues. I will not use their card again."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0d1675f77c4f4f26bfcd3a674f11c0db
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{"chroma:document": "Have had this card since 2013. Have never made a late payment. Not once. Have never gone over limit or had any issues. Ever. Paid off the card last February. I check it often to make sure there are no fees etc. I have paperless billing. Never a message that Merrick was about to close my account. Got a letter in the mail that my account was closed due to inactivity, but has nothing to do with my credit. Impossible to get a hold of someone. They have the worst customer service ever. Finally get someone on the phone. No help. All they could tell me is that my account could not be reinstated. No further explanation or assistance."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: bf570207947941d6b45d479d04bda51d
encoding: FLOAT32
metadata:
{"chroma:document": "Every time I\u2019ve spoken with an associate, they have been rude, clueless, and disrespectful, including a woman named Lou, and a manager named Andre. I\u2019ve been on hold now for 2 hours on the dot and I\u2019m still on hold."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 954ac06431814b569f95505ccf8c937a
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying to get Merrick to honor a 150 dollar payment since 3/22/2020 I have explained that I am stuck out of town and that my banks computer system is down due to the Corona virus situation. They have refused to let"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 559f9bfa1cfe4432a69f5284bd91d1ef
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick credit card was my emergency card they canceled my credit card because of inactivity without warning. I have a credit score in the mid 700s. I've been a customer for years. It's just a crappy thing to do to their customer. Also, there's no way to reinstate it. I'll take my business elsewhere."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 808254dcf39940e2a1805ea7a6184bc4
encoding: FLOAT32
metadata:
{"chroma:document": "I absolutely Love how Merrick raises my credit periodically due to good payment history (even when I have a high balance). Customer service is very helpful and I like the mobile app. Everything is really easy to use."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f466707cc0fe4e9ea5f6d15412418266
encoding: FLOAT32
metadata:
{"chroma:document": "Had several increases. Always pay way over limit due. I have Requested lower rate and they refuse to do it. I also notice that when I have paid on their site, they do not record it right away. They wait 3-4 days so the amount they charge for interest is more. I never look at my bill mailed to me. I just know I owe it and have bank send in. This one day I looked and I had paid, over 300.00 in interest in 7 months and highest balance owed was 2500.00 of that. I am working on paying them off. They do not reward you for perfect payments with lower interest rate."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 927787427b3048da8fdec9187b059675
encoding: FLOAT32
metadata:
{"chroma:document": "My experience is credit card related. I'm working on building my credit score to well over 700. When Merrick offered and approved me for a credit card my score was in the high 500. Over a year later and with consistent credit increase (without having to ask for one) my current score is 693. I can attribute this to Merrick's excellent customer service."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: adb5d002ee1b4252a3223e2bdebd43cd
encoding: FLOAT32
metadata:
{"chroma:document": "I have enjoyed being a part of the Merrick Bank consumer group. My concerns are always taken seriously. I have used the card for travel and have had no difficulties. They continue to assist me in learning how to manage me credit score with clear suggestions and answers."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5e062c8e96a64115940036f4b54a5ff8
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Merrick for a couple of years now, and even if I have paid on time and have been a good customer my interest rate is way too high. As a matter of fact I am working on getting this paid off and not using it again."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5249aa3329124397a7cc7577c5f9c7f8
encoding: FLOAT32
metadata:
{"chroma:document": "I love Merrick but I am billed monthly for the yearly fee. I was paying off all my cards and paid off both merrick accounts I have and put the cards away in my drawer. I have had 0 late payments in 3 years but missed the monthly annual fee of 3$ over the course of 69 or 90 days which was somewhere around 9$ and it was reported to the credit bureau. I am livid about that. I know it was my oversight but I wish merrick would pull that report back. Charge yearly so people like me that have a 0 balance but have a slip up of a 3$ charge don\u2019t have this issue."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 622de63fa7524157b90fc852a564a280
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Merrick Bank for a few years now. I also have 11 other credit cards and my Merrick Bank card is one of my favorite. A little higher interest rate than the rest but I have always had good customer service and absolutely no hiccups with my monthly billing. I would definitely recommend Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 838fdeec4a2d4945af8de964812378b7
encoding: FLOAT32
metadata:
{"chroma:document": "I like their service and how they review credit and give increases automatically. But I dont like the annual fees and monthly fees! I think once you have been a great customer for over a year paying way more than the minimum balance these fees should go away. Because of these fees I am more than likely closing my account within a month or 2 at the most unless these fees disappear. Thank you. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8e54fb64633b4a3d8cc808d049e8341a
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metadata:
{"chroma:document": "I got the Merrick Bank credit card offer about 4 years ago. I had never heard of them before and did some researching. It seems that offer 2 different cards, one secured and one that is not. I was going to give 5 stars but took one away after reading some other reviews. I took one star away based on they are closing accounts of long time customers based on no activity without warning them. Lowering their credit tremendously and then finally cut off. Why cut off customers that should be considered as being loyal and has been a great benefit for both the business and the customer."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0040e0a0f18c44c08efccaf71253dbe5
encoding: FLOAT32
metadata:
{"chroma:document": "I called to cancel the payment for my secured card but they still billed me for the card. I didn\u2019t have money in my checking account because I keep my money in my savings account. My bank charged me for nsf even though I called to cancel it. Worst part of all is their billing department only opens Mon-Friday. What\u2019s the point of having customer service if I can\u2019t talk to billing on weekends."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c5d62682c2b34506a241d5ed2b207f58
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metadata:
{"chroma:document": "I have found that the Merrick Bank statements are lacking all the information. I would like such as the breakdown of the payment divided showing principal and interest, Plus statements are missing from the website. I have found several statements are missing on the site as well. If I could get my RV financed somewhere else, I would!!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 62ac4d3ba0964611b3b76f629cfd9ab4
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has been excellent to work with. Easy web access, fair rates, great credit info and tips, overall great company to deal with. I would recommend Merrick to any of my friends or family members."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3966239236644afabc9c6d31c9460ec7
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metadata:
{"chroma:document": "I am so thankful that Merrick has been good to me. I was rebuilding my credit and they have helped tremendously with my credit increases. They do show you that you are being a good customer as well. Also, customer service is amazing! Thank you Merrick Bank!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 725b37b929ad40389ee82afaa4bb661f
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019d give them 5 stars but I think the yearly fee is high and after being with you guys for 3 years they should waive it. The interest rate the as my other cards without fees so I think they need to rid of it."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5fd49f869db74e5fb3856a7d4292cddb
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metadata:
{"chroma:document": "I have had nothing but good experiences with my time spent as a customer. I have been very pleased with the service which has been provided by Merrick Bank Services. I look forward to a long partnership with your bank. Thank You!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 790b735e87014f93911e4c5f5f9683df
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metadata:
{"chroma:document": "I have been with Merrick Bank for over two years. I have been very satisfied with their services and would highly recommend them to my friends and family. I have had at least three to four amount increases, in the short time that I have been with them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 029b15441ac44fde90f0febf403f8b28
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metadata:
{"chroma:document": "Whenever I need any assistance or have questions about my account or services available to me, the customer service is extremely accommodating and most helpful... it\u2019s a true pleasure to carry the Merrick Bank Credit Card. I feel that I\u2019m honestly a valued customer."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 15e8cbb9964e483a942d47efa05a5f3b
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metadata:
{"chroma:document": "Since I was approved for a credit line on Merrick Bank, I never have any issue, my credit line has been increased 2 times without calling the bank, so I proud to be customer with Merrick Bank and also in the future will recommend someone. Thanks."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d6e3fb24ffee4d8da9808dc0782165a9
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick has been exceptional for me. They offered me credit when no one else would. Steady increases in my credit limit and absolutely no problems. Would recommend to a friend with no reservations. Thanks for being there for me."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1f38125e948d4770ad695b7bb611c747
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metadata:
{"chroma:document": "The customer service representative\u2019s name was Treasure and she was so kind and helpful during an extremely stressful situation. She immediately put me at ease and very quickly helped me to a successful solution to my problem. I have rarely used my Merrick Credit card but after this experience I will be a regular user."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3686045a2dc048e8b902f449a4816d41
encoding: FLOAT32
metadata:
{"chroma:document": "I was anxious to rebuild my credit after going through Bankruptcy 6 years ago. I was warned about bogus credit offers and sure enough I received several offers in the mail that looked pretty questionable. Merrick was the first credit card company that seemed to look fairly legitimate so I applied and was accepted for a modest credit line. I put the card to use right away with small purchases which I paid off each month and after a year or so they increased my credit line automatically. Later I had some emergency expenses that came up so I carried a balance for awhile but paid it off after about six months. The interest rate I paid was fairly high, but I figured that's what you expect from a starter credit card. I like the online account and payment system which seems to work well. I've never had to call customer service so I can't say anything about that part of it, but overall I've been very happy with Merrick."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d6c899cf6c504427a36de48750bae186
encoding: FLOAT32
metadata:
{"chroma:document": "Absolute worst customer service I have ever had in my life. I'm actually debating on canceling this card because they are so ignorant rude and then woman hung up on me because I was not going to jump through hoops and she wanted me to do all kinds of craziness coz I got locked out of my account and I could not understand what this woman was talking about. Absolute worst service ever. I don't even want this card anymore especially is this is how you treat your customers."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 34bcbdc5ae2046a99dc960d3946fbefc
encoding: FLOAT32
metadata:
{"chroma:document": "They approve you for fake credit limit. After you pay there annual fee they cancel your account and ruin your credit even more. I called in and everyone is in on the scam. They even tried to make up a security excuse."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 52bc7ed29d094f49b6de781231cdb7d7
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a credit card through Merrick Bank for over 2 1/2 years now. I think it\u2019s ridiculous that there is a $5.00 mo fee. I have never had a late payment. It\u2019s the only card out of 4 I pay a fee on. I called and asked if they would waive the fee and was told no. I would close the card but it would affect my credit so I keep it. Not happy about that. Enjoy my $60.00 a year Merrick bank. Ty."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c2da68f1c96a4371806ab18da817292d
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has less than mediocre services. I have this account for 6-8 years, always had fair to good credit, & I\u2019ve only received/offered one credit limit increase. That\u2019s been in the last 90 days after I decided I was going to pay the account off & close it."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ff707df6b63e4a278e30ae24f46c4d30
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick has treated me as a human being and has had faith in me when others have not. I have kept my end up by making timely payments, and when Merrick reviews my account I can typically expect a credit line increase."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e7d6f24d792046dc8a53dd18e9044130
encoding: FLOAT32
metadata:
{"chroma:document": "I been so frustrated and aggravated with Merrick credit card company, I been losing thousands of dollars because a flight purchase over internet, I used Merrick credit card to purchase the flight, after the purchase, it was no response from travel agency, about flight information, got nervous and file dispute with the merrick credit card, them a day later. I had some response and some exchange information with the travel agency I drop the dispute. On return flight wife and daughter had to stay extra days in Europe due to the dead of a family member, missing the day of departure, the travel agency recommended to purchase a new flight, and get credit for a lost flight, but in order to get the proper credit, they need an simple letter, from merrick credit card, with an merrick bank stamp and proof that the dispute is closed. But the merrick bank refuses to send the letter, cost me thousands of dollars, I got so frustrated I close the account with this credit card bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 874f62f1ddcb42cf9bd5643f0da150ca
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metadata:
{"chroma:document": "Merrick bank had the worst institutional banking policies I've ever encountered. When I would send a payment on my credit card they would purposely withhold the payment until after the due date so that they could add a late fee. It didn't matter if it was a check or money order. They would wait to post it. I sent in payments up to 2 weeks early (before due date), and they would not post it until it was a late date. Their practices are legally questionable. I paid off my debt through a collection agency and they have refused to post it to my credit history. Do not use this banking institution."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fb55be48cb0d444fbbdc59d4be10a776
encoding: FLOAT32
metadata:
{"chroma:document": "This company promises to double your credit line after 6 months. I made my payments early and paid the card off early at one point. I called 2 weeks before the credit line increase date and asked for it early since I paid all of payments early. They declined, so my advice is to go with another bank, they don't care about their customers. Credit One is really good, and Capital 1 if you qualify. Avant and Indigo are also good with their customers."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0b493a5d7fcc412eabc1a3cdde29e633
encoding: FLOAT32
metadata:
{"chroma:document": "I am extremely happy with Merrill and believe that I have been treated fairly and would willing and gladly recommend thorough others. They were kind and took a chance on me when I really need it. I am forever grateful and feel blessed to have found them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c3292ae29ce94beba84a76fb57f276ab
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a very positive and productive experience with this bank. Ease of access to my account, secure banking, and an overall positive relationship with this bank has made me feel secure in my dealings with them. I would like to explore more avenues with Merrick, thank you for the opportunity to express my opinion and experiences."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5882bf7748bf48cc9e6194a3c7dcc57b
encoding: FLOAT32
metadata:
{"chroma:document": "Agents are unknowledgeable and unhelpful when needs specific answers. Meaning, when calling, then asking in depth questions which require calculations, you are put on hold for an extensive amount of time where the the agent assumes after while you will become impatient and end the call, on hold for 30 minutes at least. However, I decided to call back, hopefully the next agent can be more helpful. Repeated performance with the next agent. After my 4th attempt, with the last agent, calculations became too confusing so she place me on hold for a supervisor, which I was placed on hold again for 30 minutes. Therefore, I just decided to give up, this was becoming too much of a task just trying to get valid answers. All I wanted to know is an, \"explanation on the hidden fees\", no one could give me substantial information nor answers. THIS IS NOT A SMART INVESTMENT!!! Too many hidden fees and escalating rates on a monthly basis."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 10d07dd4b6f84945a653f9d886f3d219
encoding: FLOAT32
metadata:
{"chroma:document": "I had been a good customer for years. I received a letter this month stating my account had been closed for inactivity. I have never made a late payment and have been an excellent customer. I called customer service and they refused to reopen my account. I feel that a company should advise its customers prior to closing a credit card account instead of after...not a good way to do business."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: edca0283797344b9a678a5ca29e082e5
encoding: FLOAT32
metadata:
{"chroma:document": "This is by far the worst bank/credit card I've ever owned or worked with. The fees are absolutely ridiculous along with the APR. However, I looked beyond that because I'm working on my credit. If you ever have a question or concern about your statement, the customer support team has no clue how to do their job, or know even how to look at a statement. I had to explain 4 times the number I was looking at on my statement, and what I wanted to know. This lady just kept saying \"I don't understand the question.\" I wanted to know how they calculated the balance subject to the APR. It really was as simple as that! I'm not sure if she didn't understand proper English, or was new but that's not the first time I've had this issue. I just want to pay this credit card off and close this account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3a5164e148ab43628ebbb5796f784d2e
encoding: FLOAT32
metadata:
{"chroma:document": "Opened a line of credit for when I need it but they up and canceled it with no notice for lack of use! Looks bad on credit report!! A notice would have been appropriate but nothing!! Will never due Business with this bank again!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 42429cfac79a4d888ac9535270aa856e
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{"chroma:document": "Merrick is the only credit card that actually reward you for on time payments! You don't have to ask for credit limit increases as long as you pay your bill on time every month! This is the model all credit cards should follow! Thank you Merrick for being a cut above the rest!!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I love the account I have with Merrick. It's easy to pay the bill, set up notifications, etc. It even allows for a quick view. I wish they hadn't made it to where you have to log in from a computer to see statements. I opted out of paper statements and am on my phone more so than a computer. Thank you Merrick for the opportunity to rebuild my credit!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Called the Customer service to update my phone and address. Rep 1 Updated my address. After several \"security questions\" refused to update my phone number on file. Sent my call to Katelyn in the security department. She began to ask me several \"security questions\". I obviously answered all questions and began to ask what was the issue with updating my telephone number. She stated she needed to be sure this wasn't a fraud call. After answering all my questions she refused to update my phone number. This Makes no sense what so ever. Worst card service I've ever experienced! Too bad I had to select a rating cause truthfully Zero Stars for Merrick Bank!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Fraud Dept. called to see if I charged items. At first I didn't know if I charged some items but by looking through Emails I did. But when I said I wasn't sure they canceled my card.. Very happy and impressed they called right away."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Since I been with Merrick, I had great customer service and nice increases. I never had a problem since I been with and hopefully it stays that way. I will recommend them to my friends if I had some. Great job Merrick."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d46c0a0640854ba9b45680285b7d6171
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{"chroma:document": "I\u2019ve had Merrick Bank for almost 2 years now and they have been nothing but super to deal with. Merrick bank gave me the opportunity for a credit card and I have now increased my credit line 2 times. Thank you Merrick bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 62633b36b355419c83c9f8a6747a9ee0
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{"chroma:document": "I was informed about 14-15 months ago that Merrick Bank would be taking over my account from Nationwide. Set up for online payments, was told I would receive a card from them. Never did, pretty much forgot about it, didn't use the card much anyway when it was Nationwide. Get a letter today saying my account was canceled for non-use over the last 12 months and it won't be reopened. Maybe if they'd actually sent me a card...really stupid way to run a business."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I asked 2 years ago for a rate reduction. They said no so I paid off card then within 2 weeks of not using it for a year they closed my account without any notice of any kind, glad I didn't need to use that card after my account got closed."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e837a9080e2e445e821f08610daf3f1f
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{"chroma:document": "I am thankful for getting approved for a MB credit card. Not only has it helped me rebuild my credit but I've earned several credit limit increases for making on time payments and keeping my account in good standing!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: efcb9a9533574cad823236582eefc45d
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{"chroma:document": "I've paid my bill on time and requested to have a reduction in interest rate. They denied it saying that for the life of the card I would not get an decrease in my interest rate. Well, that's good to know because I will pay them off and never use that card again!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e20304182b5d474cb782deec32b06eb7
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{"chroma:document": "This has been a excellent credit card to have. I have received 2 limit increases in less than 1 year. My limit is currently almost 3 times the amount of my initial limit. It's nice to see a company reward their customers for good spending habits."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I have never dealt with such a good company before. I had my first ever purchase dispute and they were so good to me the whole time until the issue was resolved. The app is very user friendly and they definitely award good payment history. I'd recommend Merrick Bank to anyone."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: dadea9e51fab4f70b68da35c79914870
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metadata:
{"chroma:document": "I have not used my Merrick card for any purchases that I can think of. I have had my Merrick credit card for 5 year and have always had excellent service. The employee with Merrick have always been courteous and attentive any issues I have had."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a10c9f65350e4e4086ba47d79bf3d0dd
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{"chroma:document": "Beware! Systems and protocols are outdated. There are several system issues I have personally experienced with Merrick Bank credit card. The login system continually logged me out, making it that I had to call and reset my password monthly. Autopay system deleted my auto-pay set up when I made an extra payment. I asked for a letter to be faxed and did not receive the fax for over 7 days. Customer service reps are friendly and seem willing to help but could not resolve the issues."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e3024c5afdc74f9facbb40607995003e
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metadata:
{"chroma:document": "If you're lucky enough to get approved well you got a great card with 360 use advance experience... allowing for growing your credit with them. Also, reward for good on time payments of your account... I found them to be excellent. Have a Merrick bank card. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 16da8d95fb9541e68bc5e101c9cf89a3
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{"chroma:document": "I'm unhappy with this credit card company. I've been with Merrick for years, and I've never been late. They have no benefits, they won't lower your interest rate and they don't increase your available balance unless you charge a bunch of stuff and carry a balance. You can't even request an increase. The one thing that made me write this review is because my TransUnion credit score for my card dropped 23 points for absolutely no reason. I have several credit cards and the TransUnion FICO score is the same on all cards except Merrick. My credit score is over 800 but Merrick only went up to 799 and the next month after I paid down my student loan and about $1000 on one credit card that has a balances they dropped my score to 776. I called to ask why my score dropped and what they were taking in to consideration to make it go down and of course they said they didn't know. They told me I should contact TransUnion, so I did. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f531b0e1f07b4c4b8503ddcb872abb4b
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{"chroma:document": "I bought a credit building credit card to improve my credit score. The price for the card was a so called $75 set-up fee plus an annual charge of $48 for a total of $123. The credit limit was $500-$123 giving me an available credit of $377 when receiving my card. I activated my card and used $63. They added the $123 giving me a bill of $185 which there was a minimum amt due of $35 with a due date of 11/27/2019. Well I went online to pay my bill, they asked for bank info for set-up (routing number and account number.) I entered my routing number and account number but it would not take my account number so believing since it was tied to a check, I entered/added a check number to the end of account number and it accepted it. I made a payment of $302.97 on the 11/13/2019."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I have called before and ask about a decrease in my interest rate. Normally I do not pay attention to things and did not realize the extremely high interest. I ask her for a interest rate reduction or I will make sure this account is paid off faster and then cancel my account. I feel like I have paid you every month with no late payments and feel I deserve a cut in rates. I have not missed a payment on your account or any other account. Screw the score."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 914a61d2cd89437f9cc3d1c5b9138b7c
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metadata:
{"chroma:document": "I cannot wait to transfer my balance and cancel this card. They are criminals with the interest rate they charge. They try to hostage you and rape you with the interest rate. Avoid them at all cost. I've had the card for years and have always paid on time. I have recently accumulated a balance and I asked for a lower interest rate. There was zero consideration."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "Merrick Bank is outstanding. I\u2019ve been a customer several years and just love them. I never have any problems and if I ever have any questions or concerns they address them immediately. I couldn\u2019t be happier."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 81d88567e41b4b17ae8c5ba9789de2ba
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metadata:
{"chroma:document": "I started my credit with you and have never been disappointed. I even have 3 other credit cards even Discover. Even though the limit is $3500 they control what I can do when I want that's why usual balance is paid."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I would say it has been awesome for me. Customer service is great. The only thing I wish would change is the app for international. I wasn\u2019t able to make my payment on vacation. But I had my son call for me and let them no the date and time I would be back in the United States. I was two days past my due date but it was no problem. I have never been late or miss a payment. To me that\u2019s outstanding customer's service. Thank you Merrick Bank. Jeffrey"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Following my divorce in 2012 my credit got shot through no real fault of my own. I decided to get the Merrick secured visa to start rebuilding my credit. I've now had the card for about 5-6 years and have always found customer service to be super friendly and helpful. The only real downside to this card was the limited line increases which only happened after about 2-3 years and were initially quite small. However, as my score has increased over time, these have become a bit larger and more frequent. If you're trying to rebuild your credit, and are willing to make payments on time in the future, and have the patience to do so, then I would definitely recommend this card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "My experience with Merrick Bank has been exceptional. Online access to my account is easy and quick. Communication from the bank is regular and good. I do not receive a bunch of junk mail or offers which do not interest me. I have received increases to my credit limit as my account history has changed. Nothing to complain about here! Thanks."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: eac351d11d0a4881a1835fe2adb298a4
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metadata:
{"chroma:document": "We'd actually never heard of this bank until we received an offer in the mail for their card. So glad we did it! It's been a real benefit to our finances AND to our credit score. Of course, we are careful to make our payments on time, and usually pay more than the minimum due. So far, they have increased our credit limit 3 times in the 2 or 3 years we've had the account. Great choice for rebuilding your credit. I would recommend this bank to anyone."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1cc44ec1e4234a339586b3a021e2b4a5
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{"chroma:document": "I received a letter that had detected that possible fraudulent activity had happened with my card. I spoke w/ a rep who informed me that someone had attempted to use my card for $800 in New York and that they had used my card 2 other times for pizzas for over $100. He asked a few questions and then informed me that my old card would be cancelled and replaced and all the charges would be removed. For me it was a major thing made simple and handled quite well."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 512129c1b29b48d28a7530d84b896564
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{"chroma:document": "In May of 2019, I was alerted by Merrick Bank that my credit card had been used in a fraudulent transaction. When I received the call, I was actually traveling to Lowe's in Delaware to use my card for purchases I needed. The representative informed me that an immediate cancel and re-issue was needed for my card; but she allowed me to use my card for the immediate purchases I needed, as long as I agreed to call in after I made my purchases and then Merrick would cancel and re-issue. Three months later I lost the re-issued card and had to call back in to perform another cancel and re-issue. In both of those situations, I was treated courteously and respectfully, and the new cards arrived in less than a week."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Being a loyal customer with Merick Bank all these years, you have never given me a break with my interest rate at all. I believe I should get my interest rate lowered. There has never been any other problems. That's why I only rate you with one star. Why are my interest rates still high?"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "So far, has been rather amicable and satisfying! Would like to know why my card credit amount keeps fluctuating at times, but other than that, it\u2019s been a good relationship with Merrick! I would do it again!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I am so glad that I choose Merrick Bank card to help me build my credit. They gave me a real chance when no one else would and after faithfully making my payments as promised they gave me a credit increased as they promised. They have friendly customer service and their rates are not out of the roof. I also enjoy the app to manage my account. Thank you Merrick."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I have had nothing but a positive experience when dealing with Merrick Bank. I have been with them for over a year and called about questions several times. None of the question were about my bill. But about some of their policies and a few other issues. The answers were addressed promptly, clearly, and to the point. In my opinion, if I do not have to call, email, or contact Merrick Bank in any way they are conducting business in the most professionals and proper manner way possible. I am very satisfied with Merrick Bank. No one deserves a 5-star rating. No one is perfect."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I think this is one of the most fair credit card companies out there. You start with a decent credit line and you don't have to beg for credit increases. They are very attentive to your spending habits and you are then given a boost to your credit card accordingly."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "My experience with Merrick Bank has been very positive. Customer service is excellent and they increase credit limit with positive history and score increases. The fees are relatively low for a card that was originally meant to help restore credit. Although my score has gone close to 800, I am keeping this card!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "My experience with Merrick credit card (bank) has been exceptional. They took me on when my credit was poor. They have gradually increased my available credit. They have an excellent and easy to use online web portal....assuring I always know my balance and due dates. Great job they've done in helping me rebuild my credit. I now have several highly rated credit cards but I won't cancel Merrick, they were there for me. I continue to make them my primary card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Just writing to say I had a pleasant, prompt, thorough experience with customer service representative Rita today, she was able to answer and assist me with my questions & concerns... in the future I know I can feel confident if I have any other concerns of which I may be calling... thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8d32abd39d0f481dbb788124b456f7ca
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metadata:
{"chroma:document": "Never really had an issue, the only time was my cards chip did not work, they actually sent me a new card within 48hrs. Definitely recommend them to anyone. I wish I could use it with Samsung pay, otherwise 5 stars."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "In February 2019 I had received my credit card statement from Merrick bank. Upon review I had noticed a charge that I did not make. It was a charge for $578.99 via Walmart.com. I immediately contacted Merrick bank to open a dispute for this fraudulent charge. Talking with the representative on the phone I was told not to worry about this and this will be taken off my account. I was a bit taken back by this statement but thought what the heck they know more than I do even though when i had issues like this many years before with America express they had opened a dispute and sent me documentation on that dispute with full updates, in this case Merrick bank had not sent me one piece of document confirming an ongoing dispute or investigation. During this call I was told that in the coming days my account will be updated and I should see this charge disappear from my account. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I just want to let everyone know that I have always had great customer service whenever I had to call!! I am so glad that they speak English...and oh so very pleasant.. Thank you Merrick!! I was also told they keep raising your credit limit!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7fc918985b1348d9b34264aa3c4f752b
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{"chroma:document": "High interest rates. No late payments in 2 years. My interest over last few months was in the 40\u2019s.. 41%, 44%, 43%???? That\u2019s double what I pay on my other cards. I closed the account to just pay off amount owed in payments and the customer service told me that even with a closed account that I would have to STILL pay a monthly fee and an annual fee!?!? I have never heard of that before!! I feel like it\u2019s robbery... and do not recommend them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0e1c815bd6194367adb0f66b3138ed12
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metadata:
{"chroma:document": "I have no complaints about my Merrick Bank Card, or any experience with the company. It has been carefree since the day I received my card. The website is easy to maneuver when making payments. Thanks for great service, keep it up."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 690eb113729c49ffb252c634bdf66168
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metadata:
{"chroma:document": "Merrick gave me a credit card when nobody else would. They promised to double my credit limit after five months. Merrick originally issued me a credit limit of $500, five months later I received my increase as promised making my new credit limit $1000. A few months later another $200...Well a few months later another. I called Merrick to see if they give more then $200 of credit increase. The gentleman said no. $200 is the norm. Regardless, thank you Merrick for giving me a chance to build my credit back, from when I was young and stupid."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "Pre-approved came in mail. Low amount of credit to begin, then goes up after you make your payments on time. Their online service is excellent and easy to use. I can see my charges the next day and can pay them then, too! Have had absolutely no problems with them! Love Merrick!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4777c0078ee942799fb6438b76aac667
encoding: FLOAT32
metadata:
{"chroma:document": "I have had my card for years and I am very happy. I would like to see the monthly fee go away, but otherwise a good card. And one thing that I am very impressed with is they judge me on my reputation with their bank and have gotten frequent credit increases. I appreciate that."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9f211987316e466f8a4fe26959b09fca
encoding: FLOAT32
metadata:
{"chroma:document": "I could see if I was late then I would not mind paying for past due or late payment but that probably hurt my credit scores just because I made an early payment. I got upset and hung up and I didn\u2019t know you couldn\u2019t make an Early Payment."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f5b2b47547a043809f09d3dc306f9f06
encoding: FLOAT32
metadata:
{"chroma:document": "As a satisfied customer of yours for many years, my only complaint is the high interest rate that you continue to charge me. It never goes down despite the generous payments I make every month that exceed the minimum amount. I think you need to take a better look at me, and what you charge me going forward. I feel I deserve more in return for my business with you. Thank you. Sincerely, Robert"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 73fcf05041ac4a568e9b454143d7108b
encoding: FLOAT32
metadata:
{"chroma:document": "I would recommend Merrick to anyone. While rebuilding my credit I have found that their website was very easy to use and very professional. Any interaction with their staff was always cordial and professional."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 685ee91440f34e05a39c168fe19ba1a5
encoding: FLOAT32
metadata:
{"chroma:document": "I have excellent credit and numerous cards with high limits- Merrick Bank is my only card with a very low limit which prevents me from using or even thinking about. When I travel I don't want to feel like a low level."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9124fa139b954b93bf0e0add333da947
encoding: FLOAT32
metadata:
{"chroma:document": "this card is great, no hassle. They give you a certain amount of credit when approved and after making 7 payments they raise your limit. I have no problem with my card and love it. I would recommend this card to my friends."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fb65135271f0483b9b4000f279baa967
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metadata:
{"chroma:document": "On August 28, 2019, I received email remaining me of my past due to payment. I make a payment on July 26, 2019, for August payment. My online account stated that I wasn't due until September 21, 2019. So, I call customer service and explain to the rep. Quincy ** that I wasn't late and didn't want to reflect on my credit report. Mr. ** researched the account and got his supervisor to remove the negative remark and credit me the late fee. This is the first time that I have had any disagreement with Merrick Bank. I hope this problem is taken care of, and it will not affect my credit. Thanks."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b50df3d504924352a371698831476c4a
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metadata:
{"chroma:document": "Have never had a bad experience when talking to the customer service always polite and helpful. Love the low rates and the option for little people like me to have a credit card and pay a low monthly fee. I am very happy with all the experiences I have made since having and using the card. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 014a124080f343baaf743ac2791b31d9
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metadata:
{"chroma:document": "Awesome customer service! I\u2019ve never had any issues or concerns. Proud to be a customer! Merrick Bank I\u2019m a fan! I would recommend them to anyone. They have been more than fair with me and have given me a fair shake."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2fab0a0f60c349b890b231a0ff9c53bc
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metadata:
{"chroma:document": "Disputed a tip that was added to my purchase because I did not leave a tip. I told the gentleman that over the phone and said I did not have a copy and asked him to make the merchant show that I left one. I wrote on the slip 0.00 tip on purpose. It should be my responsibility to prove it. It should be the vendors."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5d60848025c246599fd7d5e6a7f97ffe
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metadata:
{"chroma:document": "I just wanted to check my balance on the morning of 8/21/19. After the automated system asked press 1 for your balance or 2 for another account, I pressed 1. Unfortunately, the system kept saying my selection was invalid. It happened over & over & over."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0cf31211c616422ab22be8e6bcd3bde2
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metadata:
{"chroma:document": "I have no issues with Merrick Bank. I NEVER recommend financial institutions to \"friends nor family\". I wish the Interest rate would be the same as I have in Belgium. There I have a 9.99pct p/a rate. Jean-Pierre"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b63582bc05de4170b5f2a3d6a4c9f532
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metadata:
{"chroma:document": "Coming from a pretty wrecked credit background after losing my job in 2013, I finally started to turn my credit around in 2017. Merrick gave me a $500 card with a guarantee of going to $1000 with 6 months of prompt payments. They did. Now I have $1800 and it feels good to have earned my way up to this level. So yeah, I love Merrick Bank. They reward you for being a good customer."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 263e4f4018004016b17d182b7fd67972
encoding: FLOAT32
metadata:
{"chroma:document": "I love using Merrick Bank. The ease of navigating on the website makes it a breeze! I can log on, make my payments anytime, day or night. I can view my most recent transactions in real time; as well as my balance and available credit. I recommend Merrick Bank credit card to anyone interested in a carefree protected credit card. Plus it helps build credit! Thank you Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4440b8524b8a42a0acc76e9952e658fe
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metadata:
{"chroma:document": "Merrick Bank offered me a credit card when I had a score in the mid-600's and was trying to rebuild my credit. The interest rate was reasonable and the ease of use of their website and mobile app was accommodating. I still have that card and use it for trips and special occasions. They have upped my spending limit several times both with and without my asking for an increase. I plan to continue using Merrick Bank indefinitely."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8ac62f486bb2465792b5ec5556f016cc
encoding: FLOAT32
metadata:
{"chroma:document": "I like Merrick Bank. I have 3 credit cards and Merrick is the only one that consistently rewards me for timely payments and in 2 years has increased my credit limit from $500 to $2000. I have had other credit card offers but will not leave Merrick because of their loyalty to me. Thank you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 560ae1cfc2f7428492afc4e1f1b06ccd
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has been fair and easy to work with as a credit card provider. This provider is geared toward accounts for people with less than stellar credit and the interest rates reflect this. They increase the credit line based on payment history and amounts - I pay much more than the minimum each month and they have increased my credit limit 3 or 4 times since I have had the account. The only drawback is that they have restrictions in place that may be detrimental to the average consumer - it takes a week to post payment and regain the amount on your credit line, but if you need it quicker they will do that - for a fee."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 244b21c991ea402c92b6e9e5b60d8aca
encoding: FLOAT32
metadata:
{"chroma:document": "They have admirably honored their commitment to doubling my credit limit after 6 months, even giving me a little bit more after a few months after that and I am quite satisified with their company. I will continue to use it to improve my credit."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9b3e68204db347afa0abea5f45a335de
encoding: FLOAT32
metadata:
{"chroma:document": "Since receiving my Merrick Bank card I have experienced great customer service and a credit card that's looking out for me - the consumer. I don't have the greatest credit yet since receiving this card my credit has continued to jump up!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 62587ac935bb47719c992ae5f14a05c9
encoding: FLOAT32
metadata:
{"chroma:document": "I want to be able to order additional or replacement cards for my family members, and Merrick Bank doesn't allow this. Also, I want to be able to submit disputes online, and they don't do this either. Very disappointed in Merrick Bank, would NOT recommend them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d20470b7b06f45a9ad7bf4765c396bf7
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metadata:
{"chroma:document": "I have had a good experience with Merrick Bank Visa. Being accepted with a poor credit rating has been much appreciated. My Merrick Visa has been beneficial with elevating my credit rating. I recommend Merrick Bank to anyone needing a second chance at reestablishing their credit. Thank you Merrick Bank!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7c89e348b0f146bda57439e4aca16a0d
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick Bank, has been great, I've been very pleased with the service I've received them. I would definitely keep using them, and recommend them to anyone that asks me about them. Very happy customer."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c0ac42b22c9246928dfa7dbf09233f81
encoding: FLOAT32
metadata:
{"chroma:document": "After a short sale 10 years ago, my credit was messed up. Merrick Bank helped me establish great credit with my first credit card since that event. Yes, it took a secured credit card with Merrick Bank to help me go from low 500 credit score to 790 today. I have recommended to friends, the ease of working with Merrick Bank and the credit monitoring that comes monthly with access with their e-app."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b61b2950a30645f9a570740950fd6bf0
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank usually finds our card next day after payment. This time, it's been 5 days. My wife contacted them. Apparently they wanted us to upload a bank statement showing the payment was made from our bank, and that it cleared, and that we didn't overdraw to pay it? WTF is that about?!?! Thanks for ruining the one weekend a year my wife and I have off to take a trip. I cannot stand their customer service. We are still jumping through hoops to prove to them that we paid them. Definitely not OUR JOB to do. AVOID MERRICK."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a587f4ead4094e5fae8dc1398f609431
encoding: FLOAT32
metadata:
{"chroma:document": "I have other cards. This is my favorite one. When my family was going through a difficult time you gave me options to maintain my good standing. Once we were past it you assisted me by keeping my line of credit available and as time has passed continue to increase my limits. Thank you for your integrity."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d38f6549b48d4a88989693e73656c495
encoding: FLOAT32
metadata:
{"chroma:document": "This bank I great to deal with. I dont like being hounded by companies with other credit card offers, or reminders that you have a certain amount of available credit, so go buy something. They don't harass and they just let me use my card as I need with very little interference. Easy to deal with, as far as I can remember. I dont think I've ever had an issue where I needed to contact them. I would definitely recommend this credit card."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7d0898096b684b5a9077909a60d4375f
encoding: FLOAT32
metadata:
{"chroma:document": "I am very satisfied with my association with Merrick Bank. The Customer Service are always helpful and know what they are doing. Credit Line Increases are always available without any problems and usually Merrick Back gives me one without me asking for it. I like that they show their appreciation for my making payments on time with this example of how they value my business and they seem to value a good relationship above everything else. Would recommend Merrick Bank to friends and family."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 003fef37c6174b3391e8842dbf8f475f
encoding: FLOAT32
metadata:
{"chroma:document": "Like many others I received a letter in the mail stating I was pre-approved for a card. I did all the steps and applied, was approved and waited 7-10 days for my card. Well over 7-10 days went by and no card came. Within this time frame I was in the middle of moving but I had access to both mail boxes. The card didn't show up at either one. I went ahead and changed my address with the postal service and all my mail was being transferred to the new address so there still shouldn't have been a problem. I got mail from other businesses without a glitch. I called Merrick Bank customer service to find out what happened and was assured it was on the way and the holiday (July 4th) may have been the hold up (mind you the holiday was not in between the 7-10 days it was literally 4 days before the card was shipped) and that if I didn't get on the day that was stated (July 22nd) to call back and they would rush me a new one."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4467caa7da1944f09c03c072d87bb1f1
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible and horrible credit card. I pay my bill on time every month and I\u2019m being charged more interest on the card every month. The balance is portrayed to be going down but the interest rate continues to go up. So if I\u2019m paying on time every month mind you I\u2019m not even using the card for months only $5 of a $35 payment is being applied. I can\u2019t wait to pay off this card. Very horrible."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: de5a37e108a74b75a4581cdb9a5fc7d0
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick is wonderful. They gave me a credit card when not many would, explained what to do to earn higher limits, and did exactly what they said when I followed their instructions. My best credit card!!! Thank you Merrick Bank!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: aa1cad4ce0c24f8085fd9bfeebddff96
encoding: FLOAT32
metadata:
{"chroma:document": "Constantly change statement dates to catch account holders off guard. Post payments to wrong month to add late fees. When contacted it is an outsourced contact reading a card who lies, says they will fix their mistake (over $100 over 3 months) but refuse to actually do anything, it is just to get you to hang up. No matter what the proof of the actual evidence is, they post payments to when they feel like it. Closing account and transferring to card with better reputation and where I don't need a translator and a lawyer to repair a mistake or multiple mistakes, clearly on their end."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b217e2c0b75044909619875ebefe3168
encoding: FLOAT32
metadata:
{"chroma:document": "Overall I'm very pleased with Merrick Bank. Their online site is fairly easy to use & I use it often. I've only had to call with a question once & that was about a decline when I went out of state for a week. It was promptly taken care of with the call. I now know how to handle it so doesn't happen again & I'm very satisfied with Merrick Bank."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 58a4a50cfdd2457cbee6d348f81f0b88
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has been wonderful to work with over the past several years. The website is easy to navigate and the information provided is excellent! I would highly recommend them to anyone looking for a customer-friendly bank!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9d13aa9676874505964bb8fe0320eaa3
encoding: FLOAT32
metadata:
{"chroma:document": "I received an offer to apply for this credit card and I did apply after reading carefully the reviews. Most of the customers did rate very well. So I was, \"Why not? It seems like a good bank\". However pay attention when you pay your credit card they place a hold of a week to have your money available. Today I'm traveling overseas and I reserved my hotel using this credit card but they place a hold of one week. I called to have them release my credit. They said they can\u2019t. I have to confirm that they received the funds. So they asked me to send them my bank statement to show that the money was debited from my account which I did send it to them. And they saw it. They never took the hold from the account."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 41f4068a69ea49ce8179f1604580eed7
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer of Merrick Bank for almost 2 years. I have been given 2 credit line increases based on my on-time payment history. They have great customer service and very fair on the way they calculate the monthly interest timeline."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: add1319def624156b1a38850c948d20f
encoding: FLOAT32
metadata:
{"chroma:document": "This card was offered to help me rebuild my credit. I have not had any issues. I continue to pay my bill on time. The only thing negative is the interest rate. I think it's great! When I call they answer all of my questions. I'm so glad I chose them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 7f2e293fc91c49958d3370761d5fb410
encoding: FLOAT32
metadata:
{"chroma:document": "By no means is it a bad card or top tier card. If you someone like me who had Bank of America cripple them. These guys open a decent credit limit card sure fees are dumb but thinking again we use out card and pay random fees all the time. Card doesn't allow requested limit upgrades but they do check and annual. But they been with me for 5 plus years without hidden fee."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 318eaa80e6994dc181e5baeb1e7950fb
encoding: FLOAT32
metadata:
{"chroma:document": "I have always been happy with Merrick Credit Cards. Also, consistent Credit line increases are nice. My only wish is they would have a cash rewards card. This is one of the single Cards I have that does not give me rewards. So I must say more often I will reach for any of my reward cards to pay. However, it is still a great card to have in your wallet."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 90fa75de645e4e9a80b73e7409580b27
encoding: FLOAT32
metadata:
{"chroma:document": "If you want a card that has great or even decent customer service, this is not the company!!!! Each time I had to call customer service, I was phone passed being told I needed to be switched to another department where I was hung up on. I called back, same thing, then I asked for a call back number before being switched again. They gave me one, that when I was hung up on again, I called and was hung up on. I also had 2 disputes. One was successful after several months of back and forth phone and mailing detailed information. Only to have several phone calls about the detailed information I sent and they didn't read. Failed second dispute after same runaround for months. The business was closed and they kept wanting me to contact the closed business. Even after I sent reviews showing when and why the business closed. I would not recommend Merrick!!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d1a73daec7f1479fac03974b841c16cf
encoding: FLOAT32
metadata:
{"chroma:document": "This is a card for people that don't have a choice due to bad credit. I may have even started out having to put a deposit down to rebuild. The customer service is terrible and the website looks like it is held together by band aids. People who get this credit card don't have a choice. Unfortunately, even though I have rebuilt my credit and have a couple good cards (Citi, AAdvantage and Discover), I can't close this account and still have to pay $6/month fee just because I need the history on my credit report and to show the account as open still."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1e4f0180bd6e44cc8550d6867ba9cf84
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metadata:
{"chroma:document": "Merrick deals with people that have credit issues. I got a card after a BK and didn\u2019t spend anything on it except for 1 month (2 months ago). Paid $100 on the $250 balance. Tried the online APP--could not figure it out. Owed them $150 and never heard from them again - except offers for new credit cards. Today I got notice that I was reported to the bureau for a 30 day. I obviously called them - apparently they don\u2019t do email, phone calls, texts, or app notifications- only snail mail that they sent out over a month ago to let me know that I owe them my balance plus $100 for fees. No calls to let me know I owed them anything, what? Good thing for their model is to keep you a ** credit customer so they can keep you at 29.99 or whatever. This company is a POS vampire. Closed my account - paid the balance. Losers."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4cf88b1881dd4fd9856b95aa87c8633d
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with the card company for over five years. I use it as a backup to my normal cards. I charge on it a few dollars every month to keep it live. I have never been late, but each time I use the account the purchase is called into question. I was at the store charging $12 and they denied as fraud. A few days later, after calling them, I tried again and they approved then turned off card for potential fraud. This month I was leaving the country and they had my account locked down, so I called my payment in, now they can't find it even though I have an approval number. I paid in full but I am done with this bank. They are the worse. I called in and all the Tatyana could say was they have no record."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 89f3d1d5b79645c28f48c5a138633672
encoding: FLOAT32
metadata:
{"chroma:document": "I had this credit card for two years. My credit is in good standing. I was employed for many years and for the past year I made every payment on time. I often paid more than the minimum and yet I never received a single increase offer. I then called the card and complained about never receiving an increase so I discussed closing the account. I was told that the yearly fees would be taken away if I closed the account. I made certain that this was correct and the customer service person was certain, so I closed the account. Today July 4 I was told that the first customer service person lied to me and that the yearly fees never go away until the balance is zero, I knew that I would not have closed the account. Be careful. Merrick Bank does not lie to you."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0de39f6ae7e94d0b9ed518c1d7220b85
encoding: FLOAT32
metadata:
{"chroma:document": "Got a letter in the mail saying I was pre-approved. Nice offer; but when I applied I was declined. I have never missed a CC payment nor a car payment. Why send me the offer? To get my info?? Dont assume these people will treat you right... They won't."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 66f6ead69f3542b4ad0a3840cdf291dd
encoding: FLOAT32
metadata:
{"chroma:document": "This credit card service really do put customer's help and assistance as product one. Even though most services are computerized the access is very easy and seem to be very accurate. Phone payments are promptly posted. I would recommend this company card to all of my friends and family. Thank You."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 90f9d703de4a4976a429a3288ca280a8
encoding: FLOAT32
metadata:
{"chroma:document": "I just want to take a few minutes to express my overall satisfaction regarding being a Merrick Credit Card holder. I needed to rebuild my credit and establish a positive payment history in order to buy a new home. Having this card has given me the ability to do just that. The interest rate is a little high but the trade off was getting a second chance which is what Merrick provided me with."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ad273b14b2dd4e94be423823061bc4f4
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank Visa is a typical Visa card. Nothing special about this card. No cash back bonuses and the interest rate is a typical high rate credit card. The card also charges an annual fee rather than being free."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 29c18a9978fe437d8de40a4b026352da
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{"chroma:document": "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..."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4c102989c50047118da0465410136320
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "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!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 25dad77ef0f0442b9cc6f14c4404870f
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{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fe08f7145d1e4dcaa62171cc7995efbb
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{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e157f4e399de42d6a533f6f73a658d52
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b4f64756e254488c909d23893f3282ce
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "Merrick Bank 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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 87067cd2270b465699bed25f357b4cd0
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 73b708a881cf45c5871dfdd3b80e5792
encoding: FLOAT32
metadata:
{"chroma:document": "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!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 54a8954625eb4693a89bca75d87f0821
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{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 0d58389106be4e97adc2a34a6f17b71e
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b36b0d14949d4caa86bba7881cbae124
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{"chroma:document": "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)."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a31ad7328f474493ad7e06f43517486a
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c94d247b52bd466a892b43a76e30888b
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metadata:
{"chroma:document": "I\u2019ve 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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: db8e7b18ed3042e7b8207e0352bbd240
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{"chroma:document": "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\u2019t access my account online no matter how I tried so it is difficult for me to pay or transfer money online."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 755a5b6713744c25b4f048057c50bc0e
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metadata:
{"chroma:document": "I\u2019ve been with them for almost a year now and I absolutely love them. I\u2019ve had no issues whatsoever with this credit card company. I\u2019m 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\u2019m not understanding all the people saying they misread or misunderstood before they signed up. It\u2019s 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\u2019t see where you could go wrong unless you're not a responsible person."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "Merrick Bank has been wonderful! They are helpful in building/rebuilding credit and are fairly lenient. They reward good habits and don\u2019t overly punish mistakes in the hopes that they won\u2019t add more stress or debt to your life! I highly recommend!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I am 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\u2019s nice to be able to monitor all your activities and when your bill is due all on the same app."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I 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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I have 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\u2019m 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\u2019t 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\u2019 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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8fa97255d7ad4fcba37395fa03b659f0
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I 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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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{"chroma:document": "I froze my account since January 2019. It\u2019s 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 \u201con\u201d as they said. It was awful and frustrating! So I don't recommend this company even they give a big line of credit."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 108694c6fc954ce2b9489ace5ed12f2c
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3e626816916d457bb6531e9650f07988
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 15ad52353a2e4a27852519e06340e999
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metadata:
{"chroma:document": "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!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I 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!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 263c6bd259004dea805bad82893de20f
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 66075dcd01dc487c85322f9161ee6050
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019ve been happy so far!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9f07ae0cb437443ba135ba8e64f371e3
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metadata:
{"chroma:document": "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!."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I haven\u2019t 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..."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: fd453a3c8f234bc197b95b649e90bee9
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{"chroma:document": "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\u2019s 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. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2bb15f855a544db0a2861b6ff1d63475
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metadata:
{"chroma:document": "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!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
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metadata:
{"chroma:document": "I'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. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: db6845b15c7747e68a310ad62704f8f6
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metadata:
{"chroma:document": "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!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a4f7c0daae624c9f8f3b1e485dc1be6f
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metadata:
{"chroma:document": "First of all, it\u2019s 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!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 289be28909d5481aadf2f397ec2e054e
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a83549e596454858838619efa024c708
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{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b961e225d1154fc581c4d3f264a56147
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metadata:
{"chroma:document": "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\u2019ve never even use the card. Way too many fees."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 115f79d9a072422a90445fe66a279673
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{"chroma:document": "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!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f05073d9412d47eabdaff289b3d4d967
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{"chroma:document": "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!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 361d07bcca614a04af47e94568cc80a3
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{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b371b274b71946428e5711c2f5cb39d9
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 97d10febba0e4d94b80866777104f95a
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 261314be6de541a5a4f72f20106909d4
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 94400db66b4349429269582d65ec3a0b
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 197d9a34ce0d4690816c5e5b93d8ac4a
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: eae81a201dcf4af9be53220bfd245766
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4cd1df572eb744f3a4d97ba9648ead91
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metadata:
{"chroma:document": "Highly recommend this credit card for someone who is starting to build credit or trying to repair a bad situation. I\u2019ve never had any issues, unlike other cards out there (credit one I\u2019m 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\u2019s 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\u2019m very happy with Merrick Bank and I look forward to being a happy customer for many years."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9bdda330b5564787a6382813e3723874
encoding: FLOAT32
metadata:
{"chroma:document": "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%!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 080df85b4e764ddeac25866e51213647
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 64e58f6205a0494f869d1a916f18c9df
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 81ba9234c65c4ad59692b9837a60893c
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a1f997c5116c4a399f001ecd6a26b39a
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: dcf3cc448f2141e4bcbd44e0e95b0308
encoding: FLOAT32
metadata:
{"chroma:document": "I would definitely recommend Merrick Bank for anyone wanting to rebuild or start building credit. I\u2019ve 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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b25f7def3b5a4a7eb60bd734e7e2a6bc
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 55eab0c2b1564e9ebeca4e3e994e7aac
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{"chroma:document": "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!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 71d2eb7088fe4ab6988d5901da5b2bb0
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: dfbb21016dc44ab19b1f3064f0f4f85b
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metadata:
{"chroma:document": "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\u2019s been great and it does what it says, brings up my credit score. I would recommend this card to anyone."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a8f8cf8beecf4f13b25cdb6058d91d26
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 99ac5d18808647899f7006465caa418a
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metadata:
{"chroma:document": "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. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 37685af4e26849449756e727b92bd170
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a995eebca13449e5ab8ad05ad0225c83
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metadata:
{"chroma:document": "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\u2019m not approved. Then it\u2019s 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\u2019m using my own money so why would I be denied. I do not recommend this card at all. It\u2019s false advertisement."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 016c191ddd6541c2bf166f22a42ae9d6
encoding: FLOAT32
metadata:
{"chroma:document": "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!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ffd9a56f70374f24891d9551a4695dd4
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: e4fe8ee77bf54610ae2deb3343a5d21a
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b98bf38bf984496e96f8bb23406a73fd
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metadata:
{"chroma:document": "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!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d56416bce4984becb74660b1a9680ef0
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2d40840bc5e448b9b9196ade91497a42
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: d44bc1404e3749e69594ee1ec54bd3c0
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: ebcb7ea773994cd3ab5f760ef33b4593
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8e896980aa0a44599a95b49102c60245
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metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f723395d0a214420acf483fc5b9bfcd4
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 58e4614fe8f74f23a605d4af4fae82f0
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metadata:
{"chroma:document": "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\u2019s policy not to lower interest rates but the information could of been delivered with much more compassion."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 1711483fffaa42e090ba2f3d49890ce5
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 172c691fa1a74ca6a163325d4f3599a6
encoding: FLOAT32
metadata:
{"chroma:document": "I was not so pleased when I received a statement for $135 for \u201caccount set up\u201d 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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 9ae729abcc264e7eb13bf5ace6715ad2
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 746c99df16204488b9f8444c3698a284
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2675c4b493104ee594af0a75afe54bce
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 041b604a97a44687bc6d383efafbaf9d
encoding: FLOAT32
metadata:
{"chroma:document": "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)."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 554e8a27d4b54e7db28025c12acb81c8
encoding: FLOAT32
metadata:
{"chroma:document": "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?"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 02b1dd8227a74491a8af0cf27d135f42
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 5f6fab0e70e3440bb83c85cf5fbcbb95
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b80885343f5748e2a5ff7fcd0b588a5d
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2b86ead16c9241f5a2196f7039dd72e5
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: f3c359ec4f514b85a9d054b12eb4b022
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 3930749e4a08431eb300cb348d07ed46
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 8727289dea39472bb3438d7276f86eae
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 86f90db8d0894a4e82972d7f494cbf17
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 855afb679caa4b248ca23bbe824fb104
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: dd11c8b7cd6048a581faa1cfcd523213
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 14c9baf020e0400f9e24dc4896ac0903
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c2538b0db59540948197eb4d9e72dcc0
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 12f30aa4f7a14d4db892ff1ccadcab9b
encoding: FLOAT32
metadata:
{"chroma:document": "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\u2019t think we have ever been late with a payment. Love them."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 170aaa9d32d74f7686b5c74d32fdddb7
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 28ac2e2faafb443099e946f4852b3ba2
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 213bc7bd5cb04ca7a16394fd5e166bd4
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: a1c0d3b9a3b14484854c35c488167133
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b2d3c11da2654e05ba0e4a043f33eff5
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: b5507dc05c594603a07ef5fb34d0b72f
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 401e249b2a084ec2ac642ff4160a2fa7
encoding: FLOAT32
metadata:
{"chroma:document": "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!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 6b183621b9b54599ad842b8b363ba677
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: aeb574d3b6cc4b24a5f1ab5652c68379
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 62085cbd3c484cb4b29cb6204dc1b5f4
encoding: FLOAT32
metadata:
{"chroma:document": "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. "}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 2d8bfd71449e45dfa39e31da2bbb4549
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 204fe539770546049f73a570ff61964f
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: abd0f5801be545d9902c2a90081d241f
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: aaa9d4d2a6234c6bb8855ab6d0f034b4
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: c9fd6f70478447fd8e332ba4f704ab35
encoding: FLOAT32
metadata:
{"chroma:document": "I really enjoy the new look of Merrick Bank online. It\u2019s 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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 947e32bd2d23408e92d3bc281879a8c8
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 4436e2415bb14ecfaa03a8aa9c7591b8
encoding: FLOAT32
metadata:
{"chroma:document": "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 \u201cNO, we NEVER are negotiate our terms\u201d. So basically Merrick Bank has ZERO appreciation for GREAT CUSTOMERS! Don\u2019t be sucked in by this bank. They\u2019ll do NOTHING to help you once you\u2019ve re-established your credit. Try something, ANYTHING else. An UnAppreciated LOYAL Merrick Customer."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 62230de387d740939cc2b15d7c6b2db8
encoding: FLOAT32
metadata:
{"chroma:document": "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!!!"}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 832eaf7d3ca24f828c31cb88c0540464
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


created_at: 2023-10-28 02:32:32
topic: persistent://default/default/17a555e8-8e04-4f3f-95d4-b89bb1f73a43
id: 90f0ca1b9aba4a39ad4c47e275b28074
encoding: FLOAT32
metadata:
{"chroma:document": "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."}


