Difficulty navigating app
Not sure when the app changed but I never noticed having a hard time seeing my credit limit, balance, due date, amount and past payments and monthly statements. I figured out where my payment history is and statements. And I can open the statement to see what my credit limit is and due date etc. more convenient when it is there when you open it. Also, if I’ve already paid my limit and get on next pay to see if I owe, I do this every pay with each bill, it says minimum payment met and that’s it. Helpful to say that along with payment and amount and due date.
Show less
Criminals
They took an overpayment of $4500 on my credit card and took over 30 days to return the funds to my bank. I made 4-5 phone calls over the month to try to get the return initiated. They lied to me on several occasions and told me the return had been initiated when it had not and I had to keep calling. Do not attempt to use this credit card under any circumstances for you will be denied n for a major headache at some point. Customer service is useless to resolve issues, and managers are hostile and uncooperative, and try to blame you for their own errors. Above all that can’t be trusted not to keep your money for 30 days extra, and lie to you about it the whole way. Beware!! Stay away!!!
Show less
Still charge interest after I paid full balance before due date.
One of the worst credit card. Beware that once you start using the card and you make minimum payment, and the you decide to make full payment you will still be charge interest. I had a balance of 2500 that carried for a few months so it made sense that I was getting charged interest. Then I decided to pay the full balance on my current statement before the due date but I realize that there was still another interest charge of $63 as a balance after they applied my full balance payment which do not make sense. I paid 3 other card full balance at the same time and none of the other cards had another balance after full statement balance payment. When i called for explanation, I’m told that once you carry a balance, you can’t pay the full balance once because of you pay it once, you still got charged daily for interest so you will still have the residual interest charge to you after you pay off, This is reduculous…
Show less
High interest
My problem is yes, the card looks and sounds good if you need credit and your credit score is low. The payment you make monthly, unless it’s not a very high amout, is used up for interest and other fees. The actual amount credited to the account is very low, so, of course, your amount owed stays almost the same and your card is never paid off and they are making a lot of money on the account, thanks to your payment. I’m upset because of this and I cannot afford their high payments with no result. So, yes please watch these companies. Research them before you accept their card. Great grandma/13
Show less
The MercuryCard App is HORRIBLE!
I wanted to sign in and make a single payment. The app is not intuitive and there appears to be no way to make a one time payment. The only option to make a payment is to select “Easy Pay” and enter a custom amount. It then asks if you want to split your payments. NO!!! I just want to make a simple one time payment, although it appears that the amount I entered is now going what is also automatically paid each month? I truly have no idea if it will process as a one time additional payment for way over my minimum or if it now my monthly payment amount and if it changed my regular payment date?!?!?! Horrible horrible non-intuitive app and I’m guessing that they make it as hard as possible to keep you from paying your card off as soon as possible so they can continue charging their outrageous interest rates for as long as they possibly can.
Show less
Good card but….
Like the card but they block the card for suspected fraud regularly and it’s not something you can just call and verify your transactions to have removed. You call, they verify you, then they send that to some other department and you wait until they review your call and release the card. I once had it blocked for over 4 months and had to call 3 times spending 30-40 minutes on hold every time before they released it. Card is blocked now because I used it in a Walmart 60 miles from my house so I’m just going to leave it blocked and stop using it.
Show less
Roxxi
I’m so grateful Mercury gave me a chance. It was up to 2,700 and they gave me the max! They also raised my credit only after 2months. I always pay way more than minimum amount due. They give you amble reminders to make your payment which I like. If you’re thinking about getting a card this is the one! They will help rebuild your credit and increase your score asap. Just keep your part and pay on time they will report your good payments on time.
Show less
Very good card
My Mercury credit card has been a very dependable and reliable account for the last couple years. I’m trying to rebuild my credit score, and this card has been very instrumental at helping me get that done. I know some people have complaints, and some are valid. But in my opinion, if you stay under your limit, pay at least the minimum due, and NEVER be tardy in making your payments, this company will report favorably to the 3 credit bureaus. I love my Mercury credit card, and I would never think of closing it.
Show less
Payments late due to Mercury not processing check
I’ve had this card for several years. The day I receive statement, I cut and mail a check for the full balance. Last month they did not deposit the check two days prior the due date. I called to ask why the delay and could not get a straight answer. I was the. Advised to make a payment for the minimum amount. I did that and two days after the due date they deposited the check which I sent out almost 3 weeks prior.
For that late processing they charged me an excessive interest rate on a small amount (my total balance was below $130… interest charged was $9.99). I called in again and after throwing a massive tantrum, as this is wrong in principle, they reversed the interest charge.
Today, FOR THE SECOND TIME, my check I mailed almost 3 weeks ago had not been processed. I just went online and settled the full amount.
Not sure what Mercury’s issue is, but I will not be held hostage as to how I wish to settle my monthly bills.
Serves you right if you lose a boat load of customers due to your new found little scheme to delay processing payments and charging people ridiculous interest rates on the “late payment” that you created.
For that late processing they charged me an excessive interest rate on a small amount (my total balance was below $130… interest charged was $9.99). I called in again and after throwing a massive tantrum, as this is wrong in principle, they reversed the interest charge.
Today, FOR THE SECOND TIME, my check I mailed almost 3 weeks ago had not been processed. I just went online and settled the full amount.
Not sure what Mercury’s issue is, but I will not be held hostage as to how I wish to settle my monthly bills.
Serves you right if you lose a boat load of customers due to your new found little scheme to delay processing payments and charging people ridiculous interest rates on the “late payment” that you created.
Show less
Stay away
Honestly, it started off well you guys, each and every one of you should know the truth that they target people with low credit scores even when you have a payment plan with them, they give you more credit when your almost finished paying it off they give you a credit increase bringing up your spending power but leaving you to pay the amount that was not there and then tell you to pay the other amount and if you don't they will sell your information to a third party taking off almost 200 points that they never placed there in the first place which is messed up. A bit of advice save your self from this insanity I wish I had someone to tell me don't they call and keep treating you to pay then after before you know it it's sold without your knowledge no date of it or ntg
Show less
