Merrick Bank Reviews 18,555

TrustScore 4.5 out of 5

4.6

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the user-friendly experience, particularly the mobile app, which they find easy to use for tracking card usage and making payments. Consumers also value the helpful and friendly customer service, noting that staff members are polite, understanding, and quick to answer questions. People feel the company is true to their word, especially regarding promised credit limit increases after a period of on-time payments. Consumers report that the service has helped them rebuild their credit and regain financial independence. Reviewers highlight the transparent pricing and fee structure, as well as the ease of updating payment methods. However, there are mixed opinions regarding payment processes, with some customers desiring faster posting of payments.

Based on these reviews

Rated 5 out of 5 stars
Invited

I was able to get my payment method updated after I had fraud on my bank card and make sure that Merrick Bank would stay auto pay and auto updated! for a more thorough service that's not only more e... See more

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Rated 5 out of 5 stars
Invited

Honestly it just was a super easy application. And the company was very informative and explained everything… even the details that most company’s leave out just to get new customers.( ie fees, apr, p... See more

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Rated 5 out of 5 stars
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Their app has made it easy to track my account and make payments. They automatically gave me a credit increase after 6 months of a good payment history. Easy company to deal with

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Rated 5 out of 5 stars
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I appreciate the company keeping their word and automatically doubling my credit limit in 7 months of on time payments. At 44 I’ve never used my credit so I had none and was told constantly that was w... See more

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Rated 4 out of 5 stars
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Email alert come out very late ! And interest should be lower - I have capital one credit cards & interest is quite a bit lower & I don’t think there should be an added charge if you want your paymen... See more

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Rated 3 out of 5 stars
Invited

I'm very happy with my credit card but the website could be better. Once I make a payment, it does not show up in pending transactions. It should. In fact, it's very difficult to find it anywhere on t... See more

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Rated 4 out of 5 stars
Invited

I would have given you 5 stars if your interest rate had been maybe 4 or 5 percent less, which would be a better fit for others that have a limited income. But I know as a business that takes on those... See more

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Rated 5 out of 5 stars
Invited

Helping me get my life back on track. You have given me the chance to regain my credit and a chance to take back my life,,I have been struggling since becoming a widow with no one wanting to help me a... See more

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Rated 5 out of 5 stars
Invited

This company is great, helping me fixing my credit issues. They accepted me opening my new line of credit offered me $1000 credit limit at first & promised increasing to $2000 after 6 months. They’ve... See more

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Rated 5 out of 5 stars
Invited

My experience has been great due to Merrick Bank following through with what was stated to me prior to applying for the card. Integrity is everything to me! The ease of use of the website and having s... See more

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Rated 5 out of 5 stars
Invited

I chose to apply and become a part of the Merrick credit card community to help rebuild my credit. They were honest and transparent with pricing and fees. They gave me a chane to double my credtline... See more

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Rated 5 out of 5 stars
Invited

Customer service was wonderful. I had just gotten my card and was having trouble getting it activated. The representative that had helped me was very kind and patient . I didn't feel rushed. Very... See more

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Rated 5 out of 5 stars
Invited

The people ,,working at Merrick Bank are extremely friendly and helpful! They answer my questions, they’ve helped me get back on track. I lost my card, somewhere at my home, and they’ve been so under... See more

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Rated 5 out of 5 stars
Invited

Never have had a problem using my card. Only thing would be better if they raised the limit more often for customers that pay their payments on time and promptly. I have never been late on not even on... See more

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Rated 5 out of 5 stars
Invited

I've had zero problems from the time I applied for the card, received the card, and in making payments on the card. They have generously given me a credit increase, after only a short timeframe, which... See more

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Rated 5 out of 5 stars
Invited

The customer service since day one. This is a credit card I will treasure for ever. I have been treat very very respectablely also you are a company that does what you promise. I could not believe you... See more

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Rated 5 out of 5 stars
Invited

Im on social security and when I pay my bills every month I have no cash for the rest of the month and my Merrick come in handy for me for the rest of the month thanks Merrick Bank

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Rated 5 out of 5 stars
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I love the fact after 7 months of on time payments they take my amount I can charge up. I’ve had my Capital One with only $300 credit and can’t get them to raise my limit and I got it 6 months before... See more

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Rated 5 out of 5 stars
Invited

I've got nothing but good things to say regarding Merrick bank credit card. Excellent starting balance. App for payments works well and tracking card usage.

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Rated 5 out of 5 stars

My experience with Merrick Bank has been very positive. Their online portal is easy to use, and their customer service is consistently helpful and professional whenever I've had a question

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Rated 5 out of 5 stars
Invited

I used this card during my credit repair journey and I’m still using it. Fair fees, easy app to use, friendly reminders of payments. They doubled my credit limit within a few months of having the card... See more

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Rated 5 out of 5 stars
Invited

I've finally use my card first card in my life I ordered a few things n has not been any problem at all now how do I pay on it lol I have no clue??!

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Rated 5 out of 5 stars
Invited

Payment website always running with ease. No issues at the moment. Process of receiving and using card has been smooth

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Rated 5 out of 5 stars
Invited

Merrick bank is the best credit I have..they always surprise me with their concern and updates..great customer service..Nothing bad to say

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Rated 5 out of 5 stars
Invited

Payment notifications sent on time. But I would like to see postings of payments updated faster. But satisfied so far.

Rated 5 out of 5 stars
Invited

This app makes everything so easy to get to and see, no surprising fees and easy to manage love this app

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Rated 5 out of 5 stars
Invited

I am quite please with this company. When I signed up I was told to make 6 months of on time payments and I would get a increase of available credit. They kept their promise and it was a substantial a... See more

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Rated 5 out of 5 stars
Invited

You all stayed true to increasing my limit by my keeping my payments on time. Most give or take but never stay true to what they offer in the beginning.

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Rated 5 out of 5 stars
Invited

Merrick Bank is amazing because they help me gain independence as well as helping my credit. I appreciate them so much.

Company replied

Rated 5 out of 5 stars
Invited

You were there when we needed you. Car engine replacement and your advances helped, and some of the labor, too!

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Rated 4 out of 5 stars
Invited

The way you increased credit limit without asking..That told me you were paying attention to my account..

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Rated 5 out of 5 stars
Invited

The ease of using your web site and thank you for giving me a second chance to rebuild my credit back up.

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Rated 5 out of 5 stars
Invited

Merrick Bank is one of the best cards I have ever dealt with. They have helped me improve my credit score tremendously!

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Rated 5 out of 5 stars
Invited

Great for unexpected things going on . I'm trying to help take care of my grandson and really needed tires for the car. Thanks to my card I have done that

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Rated 5 out of 5 stars
Invited

Everything went great no problems, that's how it should be with any Credit Card Company

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Rated 5 out of 5 stars
Invited

Truthful actuality as stated in agreements and terms, no lies or fake promises

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Rated 5 out of 5 stars
Invited

Great I love my Maverick card. Will recommend it to our friends and relatives.

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Rated 5 out of 5 stars
Invited

When you keep your account up to date. The raise your limit as promised. They are a good bank to deal with. Have never had any problems bat all.

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Rated 5 out of 5 stars
Invited

Great card, easy app to use and monitor, great security!!

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Rated 5 out of 5 stars
Invited

As promised, my credit increase was granted after making on time payments.

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Rated 5 out of 5 stars

Two charges had 2 exact duplicates. And one charge just popped up after 5 days. When I called and spoke to the agent about the duplicates, the duplicates suddenly disappeared. I’m watching you Merrick... See more

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Rated 5 out of 5 stars
Invited

The fact that it's being watch by Merrick.Live in Lancaster Pa.was at hotel with grandkids the people behind the desk didn't know what they were doing.But because the card was trying to go through too... See more

Company replied

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Company details

  1. #8 of 30 best companies in Bank
  2. #112 of 184 best companies in Financial Consultant

Written by the company

At Merrick Bank, we specialize in credit programs that assist people looking to build or rebuild their credit. Founded in 1997, Merrick Bank is FDIC insured and recognized as a top credit card issuer in the U.S. In total, we proudly serve nearly 3 million cardholders and have extended over $5.3 billion in credit. We also provide consumer finance options to marine, RV, and horse trailer dealers throughout the country to help customers find new opportunities to get what they need for recreation. With Merrick Bank's Merchant Acquiring Services and our Independent Sales Organizations, we support a wide range of merchant categories (including non-traditional businesses) and offer multinational and dynamic currency services, next-day funding, and daily reconciliation.


Contact info

4.6

Excellent

TrustScore 4.5 out of 5

19K reviews

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Replied to 98% of negative reviews

Typically replies within 1 week


Rated 5 out of 5 stars
Invited

Help when I needed it!

You were there when we needed you. Car engine replacement and your advances helped, and some of the labor, too!

December 4, 2025
Merrick Bank logo

Reply from Merrick Bank

Thank you for your feedback, Joseph! We really appreciate it and are glad we could help.

Rated 5 out of 5 stars
Invited

Easiest app ever

This app makes everything so easy to get to and see, no surprising fees and easy to manage love this app

December 3, 2025
Merrick Bank logo

Reply from Merrick Bank

Thank you for sharing your feedback, Dallas! We really appreciate it and are glad to hear you find the mobile app user-friendly.

Rated 5 out of 5 stars

My experience with Merrick Bank has…

My experience with Merrick Bank has been very positive. Their online portal is easy to use, and their customer service is consistently helpful and professional whenever I've had a question

November 2, 2025
Unprompted review
Merrick Bank logo

Reply from Merrick Bank

Thank you so much for taking the time to share your feedback, Catherin. We really appreciate it! We take pride in our customer service, and we're glad to hear that you find our online platform user-friendly.

Rated 5 out of 5 stars
Invited

Great card

Great card, easy app to use and monitor, great security!!

November 30, 2025
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Reply from Merrick Bank

Thank you for your feedback, Cory! We really appreciate it and are glad to hear that you find our mobile app user-friendly.

Rated 1 out of 5 stars

BEWARE: IF YOU LIVE ON THE WEST COAST...

They go by east coast time only. So if you live on the west coast and pay after 9:00pm local time PST, (12:00am EST) you will be late because it is now a day later on the east coast. West coast has 3 hours less to pay as well. My card will be going back.

November 28, 2025
Unprompted review
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Reply from Merrick Bank

Thank you for sharing your feedback, Irene. If you have any questions or concerns, please feel free to contact us at 833-845-1900. We're here to help!

Rated 2 out of 5 stars
Invited

Company is constantly getting in my…

Company is constantly getting in my business.... declining purchase when they feel like.

November 23, 2025
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Reply from Merrick Bank

Thank you for sharing your feedback, Blanca. We understand how frustrating it can be when transactions are declined. If you need any assistance, please contact us at 833-845-1900.

Rated 5 out of 5 stars
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over all great credit card very nice…

over all great credit card very nice people I enjoy how they are so friendly couldn't ask for a better credit card merrick back is wonderful am hoping for another increase with the holiday's coming up I have never been late and I always pay more than my minimum balance easy to work with I would for sure recommend to my family and friends over 5 stars for sure

November 21, 2025
Unprompted review
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Reply from Merrick Bank

Thank you so much for sharing your feedback, Alicia! We really appreciate it. We take great pride in our customer service and are glad to hear that we met your expectations.

Rated 5 out of 5 stars
Invited

It's so easy the customer service goes…

It's so easy the customer service goes way beyond

November 3, 2025
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Reply from Merrick Bank

Thank you for your feedback, Dale! We really appreciate it. We take pride in our customer service and are glad to hear that we met your expectations.

Rated 5 out of 5 stars
Invited

Great I love my Maverick card

Great I love my Maverick card. Will recommend it to our friends and relatives.

November 14, 2025
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Reply from Merrick Bank

Thank you so much for your feedback, Sandra! We really appreciate it.

Rated 5 out of 5 stars
Invited

Great Day

Totally happy about my enter action with your representative, polite and very knowledgeable about my request. Experience was totally satisfying.

November 14, 2025
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Reply from Merrick Bank

Thanks for the review, Edward!

Rated 5 out of 5 stars
Invited

Their app has made it easy to track my…

Their app has made it easy to track my account and make payments. They automatically gave me a credit increase after 6 months of a good payment history. Easy company to deal with

November 3, 2025
Merrick Bank logo

Reply from Merrick Bank

Thank you so much for sharing your feedback, Michelle! We really appreciate it. We're glad to hear that you find the mobile app user-friendly and that we're meeting your expectations.

Rated 5 out of 5 stars
Invited

The fact that it's being watch by…

The fact that it's being watch by Merrick.Live in Lancaster Pa.was at hotel with grandkids the people behind the desk didn't know what they were doing.But because the card was trying to go through too many times the company stopped it.Then I called Merrick they explained the whole thing.

August 14, 2025
Merrick Bank logo

Reply from Merrick Bank

Thank you for sharing your experience! We’re glad our security measures helped protect your account, and it’s great to hear our team was able to clarify things quickly. We appreciate you choosing Merrick Bank!

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