Leave a Review Merrick Bank Mobile
Reporting to credit bureaus
I like this card but I don’t like how they report to the credit bureaus. They don’t help build your credit they help lower it. I’ve never missed a payment however they reported I was over my credit limit which actually was caused by their fees. When I paid over the monthly payment amount it didn’t get reported to the credit bureaus. Is this even fair.Show lessGood Girl Lisa
Good card
I automatically got 600 to start off with and I got an email stating they will raise my limit which means usually they will double to 1200. Have had. No problems with this card . I use this card all the time but only 30 percent or less!A Ritsko
Great beginner card and app
If you looking to restart your credit journey. Get the card and download the app. Has everything you need to keep track of your balance and all the alerts that the other cards offer.Neatpetite
Very Good
When I saw all the bad reviews I got discouraged. I had already applied for and been approved for the credit card and then I was afraid after seeing so many bad reviews but it was too late because it was already on my credit report. But I have to say I haven’t had any issues with this company or their app to make an any payments, check my statements or anything, so I don’t know what the problem is but I’m glad I have an experienced it.Show lessDODCJ
Ugh
I don’t think my issue is solely with the app because I face the same problem on the website as well. The first month was completely fine but now my ‘Current Balance’ & ‘Available Credit’ won’t update anymore after purchases or payments. So at any given moment I don’t know how much my Balance is therefore I don’t know how much my payments should be.
I’ve called customer service before and they told me on what date my account would refresh and it did but does that mean it’ll only refresh once every statement cycle??? I just recently made a payment on my credit card a week ago and I still don’t know what my actual balance is so that I’ll know what’s going to be on the cycle statement which will be shared with the credit bureausShow lessJojoRene
Maybe it’s your device?
Idk why this app has such bad reviews but it works on my iOS 11 Pro Max. Haven’t had an issue with anything except sometimes the loading is slow ~30secs, but that’s where others lack patience I guess.
I really don’t understand why these reviewers don’t just log onto the website to do their do’s instead of complaining about the app not working??? It’s not hard. I mean it’s an app… No app is perfect. They all have flaws.
The only thing I do wish they would do is allow it to be added to the apple wallet because carrying cards around is old in 2022. Plus cards get scratched easily no matter how much you clean them or use card separators then you end up not being able to make transactions. The tap & pay is a plus... Still old tech tho. Great bank in my opinion… Thx Merrick.Show less?!$&?
Reviews don’t reflect the reality now
I don’t know what it was like in the past, but I can say, even though I haven’t used it too long yet, that there is no way i see this as poorly designed. I’ve seen that and this is not that. It has a lot of choices in the menu and is well designed and intuitive. I can’t speak for any bill pay functions but I can say that 1. This type of credit card isn’t usually going to itch your scratch for that, use your bank, checkbook, apps, whatever else. Usually bill pays through banks are slow and even send paper checks so you should maybe autopay directly and record somewhere yourself to make sure things get and stay paid even if contested. This is one of the better apps under the umbrella of low credit credit card/banks by far and I would from only take real stock in the reviews from this post on into the future. I wish some of these could be deleted. One suggestion for the app makers to fix this: with the next big update, make it an entirely new app page and app so that you can start fresh. This modern version is bogged by reviews that don’t even really count anymore. May have to make some big change to qualify I don’t know, but it would be worth the fresh start.Show lessChargingWaters
Use It To Rebuild Credit Then Dump It!
This only use for this card is to help build your credit score. Once you’ve moved on to better cards, dump this one. The app is garbage. There were months when for no reason I could figure out, I couldn’t sign in. The annual fee is spread out over 12 months causing you to have to go in and pay $4 so you don’t get hit with a late charge and a hit to your credit. It’s designed for you to fail. Worst thing is, I want to cancel it and I cant figure out how.Show lessscottylala
Tried to make my last payment but…
I also had problems logging in to make a payment before I got hit with a late fee. I couldn’t log in and apparently I was not the only one. I do not feel that I should be charged with that $40 late because of your site not being available to users. It’s bad enough that I was in the center of Hurricane Ida and am STILL trying to fix/replenish all that we lost…but that late fee… I guess that I should have listened to the negative reviews that was at the site where I applied to.Show lessLemonae
Quick-freeze feature frozen?
I used to app to put a quick freeze on my account. When I went to “unfreeze” it, I noticed the quick-freeze feature (which is still advertised on both app and website) was nowhere to be found. I called their support line to inquire about unfreezing my card.
After waiting for a rep for an hour, he told me to go to the app section the feature was previously and unfreeze it there. I told him it did not exist. He seemed confused but said he could unfreeze my account from there and put me on hold. Then we got “disconnected.” Yeah.
Now I have a card with no way of unfreezing.Show lessHamTyler77
