Fire the techies
The new Oculus version of this app is total crap(to put it lightly)! I couldn’t get it to work from the time they published it. Just now, it took me an HOUR+ to get one payment made, and that I had to do on the phone, because the app has no options other than an ignorant programer’s idea of minimum or “spot” (like a first grade reader - remember spot?) or balance. Then, the app hangs and doesn’t work, anyway!! NOW… after making my payment over the phone with the department that should understand how the silly app works, the app WON’T CLOSE. Over and over, I tapped logout, then continue, and it stays open! I think that means their site and or app has been hacked. So now I’ve deleted it and will use the website from now on. If they make a game out of that, I’ll close all Mercury accounts - and advise all others to, as well. Whoever re-designed this app to look and act like a child’s game should be replaced. Bank accounts don’t need to be toyed with!
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New oculus update is terrible.
The oculus update and it’s features do not work for my life style. I understand why it was done but should be a separate application. Or a feature that can be off/on. The old version was straightforward and with less steps to pay. This app design has confused me about my statement close dates etc it was saying I was past due but then it said I was not. Either way I will stop using the card. Due to the poor app design. Your poor design will not undo what I have built!!
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Read this before you apply
I currently own a card with Mercury. They target people with low credit score, and at first it is good because it really helped with the credit. However, this company does not give increases to your credit, they are not registered like other credit card companies, QuickBooks doesn’t recognize them, nerd wallet doesn’t recognize them, and it takes them forever to report your credit changes. For a beginner with very very crappy credit this is a good card service. They do not protect the customers from fraud, in fact or blatantly apathetic about it. So when you apply you are applying for a card to build your credit and nothing more. Whatever they start you out it is what you will stay at for years. It has already been two years for me and still no credit increase and I can’t connect it to my QuickBooks like I can with the other ones. So think twice before you apply for this company
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App no longer works
After months of use the app keeps telling me with a notification that it has a security expiration and I need to update app. I go to App Store and no update is available and it just gives the open button. Hit the open button and back to the same problem. I can’t access my app. I’ve tried uninstalling and that doesn’t help either a fresh install and immediately the update app notification appears.
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Building credit
I love this card! I used it for a couple of months and they increased my credit right away. I started with a $500 limit and they increased it to $1,500. I have no issues with the app. Like with everything I make my payments during the week so that I can see it reflected right away. So far the best
Payment Reversal Issues
I’ve tried three times now to make a payment and the money has been in my acct but it keeps getting reversed after a week for, “insufficient funds”. My bank says everything is fine on their end, and now I am afraid of paying high interest. I don’t know how else to pay! The app itself works ok, just annoying to have to type in my full password each time instead of it just saving.
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I couldn’t be happier after seeing this card on credit karma(had it about a year now)
I love the card, the app, and the customer service! Best card to get when your starting out or trying to build/rebuild credit. They offer cash rewards that u can use to pay your monthly mins!! Amazing company and service!
