CK advise me to apply for this card. I did and got approved and my score went up by 80points I was so surprised. I never had a credit score over 600 let alone close to 700 because of this card I’m at 674. It’s been a week and haven’t received the card yet. So I can’t wait to get my score to place where I can buy a house.
Applied for this card and they requested a copy of a bill and ID, but had to send it via fax or snail mail…how outdated. Then nothing until 2 weeks later when they called and left me a message to return their call. I called numerous times but was stuck in cue for at least 20 mins before I hung up. Finally got through today and was informed that 30 days since I applied passed, so it was denied and was asked to reapply. I refused to reapply and have another inquiry on my credit report. Bad business practice and antiquated.
I applied for this card back in November 2, 2022. Three weeks went by and I called the company letting them know that my card housing arrive yet they told me they were having some issues with the company that sells them the plastic to make the card. It is January 29, 2023 and I have not yet receive my card.
I got this card planning to raise my score and I missed a monthly fee payment and it dropped my score 122 points while I had the card. So I decided to close the account because I don’t like monthly fees because I don’t even use the card. Then 2 months after I closed the account and received my check for security deposit, I received another 122 point deduction on my credit score from Merrick bank again!!! On an closed account that had monthly services fees too!!!! Don’t do it.
It's a lie, everything about this card, they don't refund the deposit you make
My account got closed and I was told back in September I would be getting my refund back of $200! Here it is December and still no refund! I wouldn’t recommend this card at all! The only way this review would change is if I was to get my $200 back as promised!
They do hard credit pull . I wouldn't recommend this card for that reason.
My limit was supposed to double after 6-8months of on-time payments. The month before my final payment to meet this criteria, my payment returned. Alot of new things were going on personally--an abrupt housing change and car issues--but I had never missed a payment prior to this one. Merrick immediately closed my account. Their customer service team offered no recourse to help me balance out the mishap. It would have been a tremendous help to still have access to the account during this time. So for that reason, I will not do business with them in the future.
I tried calling numbers times to dispute a charge and the person could not even speak English. Customer service is nonexistent! Also, take over a week for payment to post and credit reflected. I do not recommend this company.
Awesome
I was fraud detected every time that I tried to use the card and had to call into customer service which has a ridiculously long wait time. One rep told me that he didn't see any charge that tried to go through and it was fine to try again; however, that attempt resulted in my fraud score being too high for a regular rep to unblock the card for use so I sat on hold for over an hour on three occasions trying to get through to the fraud department. I was transferred around to 3 different departments who were not the fraud department. I finally submitted a complaint with the BBB to have the account closed as I couldn't reach anyone for that either. I would NOT recommend this to anyone unless you just want stress.
According to Credit Karma, my odds for obtaining this card were excellent. I went through the application process and Merrick did a HARD P?ULL on my credit report... never heard back from them! DO NOT APPLY FOR A MERRICK BANK CARD!! You will hear the ding of your credit score dropping with their worthless HARD CREDIT PULL!!
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