Customer ReviewsforMerrick Bank

This credit card company is by far the worst I have ever encountered. I made a payment using my checking account and routing number, MB took forever to take the money at which by that time other bills I had on autopay at been taken out of my account. When I catch this, I then call MB to make the payment using my debit card, after being charged $5 to pay using my debit, the money was taken out of my account immediately, and I was told it would reflect on my card immediately. Two days later I go to use my card at the grocery store and its declined. I called, that person on the phone explained to me about the first payment being returned and that it was blocked because of that. I accepted that and they told me that on Monday it would be unblocked and I can go about business as usual.. since that day, every single day that its been blocked, Ive called, and every single person that Ive spoken with has told me it would be unblocked the following day. Finally they tell me its 5 days before the block is taken off. On the fifth day which was yesterday, the lady tells me because its the fifth day, that the system regenerates after 12am midnight, and to call back after that and if the system hasnt taken the block off that they will be able to do it manually. I called 4am and its still blocked and the guy on the phone actually chuckled when I expressed to that Im beginning to think theyre scammers and that I will be contacting BBB. I strongly encourage anyone who is considering going to them, NOT TO!!!!!!! This has been the worst experience Ive ever had with a credit card company. And this is a secured card at that. Its not even like theyre giving me credit, Im paying my money up front to build my credit and theyre just taking people money and telling them when they can use the card that already have their money on it!!!!!!!!!! This company is no good and I urge someone (Government) to investigate them and their unethical practices !!!

I had a Merrick Bank Mastercard for 3 years and I missed my 3 dollars a month payment and they docked my credit 60 points. I had a zero balance on the card when they did this. I closed my account that day and will never recommend Merrick for anyone.

I havent gotten my card yet and Im considering closing the account. **************** is awful! Ive never dealt with such unprofessional people before. This was such an odd experience.

This bank charged me a late fee for paying the day it was due?but they took 48 hours and to process it and then gave me a late fee and put interest on the late fee- scamming customers

Terrible! I am a senior in **** and they are charging me for a transaction in ** for ****** that I did not make.

This bank is so out dated. you have to *************** to them. no fax. no upload. horrendous customer care ques even longer manager ques. while I'm writing this I have been in que for an hour now. DO NOT GO WITH THEM.

I sent this message to Merrick Bank:I am sending this message because there was not a way to send the message from my mobile app or online through your website. I called customer services on more than one occassion trying to resolve my balance, without resolve. As I had mentioned to your associate, I made a payment in December way too early which caused me to fall behind on making payments. I have always been current on paying my bill and have paid more on few occassions. It is with the late fees that are killing me at this time. And your company is not working with me as a loyal consumer that has one of your cards.??????????I will tell everyone that I know to not even consider a Merrick Bank Credit Card and I am going to report this issue with the BBB so that others will know as well. This is terrible!

Merrick Bank has shady business practices. Don't pay early as you will receive fees. No other financial institution does this. If you pay before your due date, it will be posted to the previous *********** get hit with late fees, even though you are paying early. It's a trap! Don't do business with them!

garbage company. never used the card once. sent me to collections for a new monthly few they added on after having the card for a year. They caused my credit score to drop by 30 points for a $12 dollar monthly fee that I never agreed too. Their customer service is rude as well. Don't bother. there are better cards by better companies.

Bank or before due their due dates to build my credit which they told me verbally in a call that they don't like because then they don't make any money on interest rates! This is why it was temporary blocked the first time for no reason. With a constant zero balance owing and doubling my credit line, I recently told them I would be out of the country and use my Merrick MC which they told me was authorized. I tried to purchase airline tickets to come home and for no explanation blocked my card again! After a text to verify me they said the charge would be approved on a retry and once again it was declined. I spoke with two agents on two separate calls again with them verifying my identity at Merrick bank and again was told it would be authorized upon trying again. Again declined twice more! On the next call I asked politely to speak with a supervisor and was hung up on! Merrick Bank left me and my family stranded overseas for no other reason apparently than to punishment me for paying my payments before the due date which makes them no money! Fortunately I had other honest, reliable and professional credit cards to use but am shocked at the unethical business practices of Merrick Bank! I see by my research online that this is sadly a regular occurrence by them! PS, I just tried again twice to book our transport at the airport to our home and was declined again! Unbelievable!!