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BBB Business Review

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BBB Accredited Business since

Merrick Bank Corporation

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Phone: (801) 545-6600 View Additional Phone Numbers 10705 S Jordan Gtwy Ste 200, South Jordan, UT 84095

BBB Business Reviews may not be reproduced for sales or promotional purposes.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Merrick Bank Corporation meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

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Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for Merrick Bank Corporation include:

  • 266 complaint(s) filed against business

Factors that raised the rating for Merrick Bank Corporation include:

  • Length of time business has been operating
  • Response to 266 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

266 complaints closed with BBB in last 3 years | 124 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 13
Billing/Collection Issues 163
Delivery Issues 3
Guarantee/Warranty Issues 0
Problems with Product/Service 87
Total Closed Complaints 266

Additional Complaint Information

Previously Merrick Bank Corporation had a number of complaints that were not closed within the BBB timeframe and are listed in this BBB Business Review as delayed resolution. The company has now agreed to the BBB Accreditation Standards which includes addressing marketplace disputes quickly, professionally, and in good faith.

Customer Reviews Summary Read customer reviews

18 Customer Reviews on Merrick Bank Corporation
Customer Experience Total Customer Reviews
Positive Experience 4
Neutral Experience 0
Negative Experience 14
Total Customer Reviews 18

Additional Information

BBB file opened: July 15, 1998 Business started: 08/23/1996 Business started locally: 08/23/1996 Business incorporated 08/23/1996 in UT
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

25 Ecker Pl # 2300, San Francisco CA 94105
Phone Number: (877) 275-3342

Type of Entity


Business Management
Ms. Monique Foust, Paralegal/Business Contact Mr. Brian W. Jones, SVP, Corporate Secretary, General Counsel Mr. Richard P. Lake, President/CEO Board Member Mr. Robert A. Perro, Chairman of the Board Mr. Steven Scullion, SVP and Chief Credit Officer Mr. David Young, SVP and CFO
Contact Information
Principal: Ms. Monique Foust, Paralegal/Business Contact
Business Category

Credit Cards & Plans Consumer Finance & Loan Companies Banks

Additional Information

While Merrick Bank's corporate office is located in Utah, Merrick Bank's parent, CardWorks L.P., and affiliate, Cardholder Management Services, LLC (CMS) are both based in New York. Consumers may want to contact the BBB of New York City for a current report on Cardholder Management Services, LLC. The BBB can be reached at: 1-212-533-6200 or

If a consumer receives a credit card that they believe they did not authorize, Merrick Bank will cancel the card, and credit the account for any bank fees only if the card has not been used.

Products & Services

This company offers Merrick Bank issues a variety of credit cards, several tailored for consumers that have poor or no credit history. Consumers may receive a Merrick Bank credit card based on a variety of marketing efforts. One method involves a credit card sent to consumers after a voice approval is obtained by a telephone solicitor. Consumers may also receive a credit card issued by Merrick Bank because they have applied for a major credit card from another financial institution, and failed to qualify for that card. Applications for these credit cards do contain a clause allowing Merrick Bank to issue a credit card if the consumer does not qualify for the original card.

Customer Review Rating plus BBB Rating Summary

Merrick Bank Corporation has received 3.52 out of 5 stars based on 18 Customer Reviews and a BBB Rating of A-.

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.
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