So I make a $350 payment on 2/17. Today I check my account and it's showing payment reversed?! No ryhme, no reason but a whole lot of incompetence coming out of this bank. I guess maybe they're hoping to hit me with a late fee which is not going to happen. This is the second time I've had an issue submitting a payment via thie website. The first was when I made a payment out of my Wells Fargo bank account. Payment showed processed but a couple of days past the due date I checked the account and it showed no payment never made/received. I called and got no where with the rep and was told to make the payment over the phone which I did. I'm done with these idiots.
I hate to see so many bad reviews for this card. I think it's coming from people that just don't understand how credit works. I've had the card for almost two years. I started with $200 and since have gotten numerous credit increases without adding more money to the card. It has helped build my credit so much that I was just approved for a Citi Card with a credit limit of $4,000! A West ELM card with $2,000, Capital One Card with $750.00.
The key is to pay your cards on time every month and try to keep the Merrick Bank (and most cards) below the credit limit.