Great card 5 stars They do what there supposed do very well. They report to credit agencies accurately and on time. They review your account and reward you with credit increases when your responsible with your account. You cant ask for more honesty.

I have been with Merrick Bank for 10… I have been with Merrick Bank for 10 years. I have always paid on time as well as paid off my balance. I did not realize they did monthly fees even if you do NOT use your card. A $6 (six dollar) delinquent was placed on my credit report. Absolutely ridiculous. This is how you lose WONDERFUL clients. Needless to say, I closed my account with them.

I had no credit but merrick took a… I had no credit but merrick took a chance on me and sent me a credit card...it's been smooth sailing since then. The card allowed me to reconstruct my credit and the periodic increases was always a welcome site. I get credit card offers all the time now but I prefer merrick bank.

They were going to close my account due… They were going to close my account due to inactivity. Capital One has ZERO interest rate and a much higher ($6,000) limit, so I let them close the account with training wheels limit of $2500. Customer service was non existent anyway. Don't like to be bullied. My FICO score is 804, so keep your card and good luck to you.

I really wish yall would take debit… I really wish yall would take debit cards. People who are on SSID don’t have banks. Our money come on them. Discriminating against the elderly and disabled, not taking their form of payment the only form of payment that they have.