I agree 100% about the cut off time – the day don’t end at 5 o’clock they are nothing but a bunch of crooks and should be ashamed of themselves for taking advantage of customers like that – MERRICK my you R_I_H
By: David
↧
↧
By: Mach 1
I WILL NOT get a Merrick Card. My credit score is in the 700′s but my ex-wife filed Chp 7, and it tracked over to my profile. Merrick has been chasing me for a year now, but I suspicious when they offered me a “double your available credit line offer”?? Is this a credit card company, or a Vegas craps dealer??!!
↧
By: Lacey
I have been quite happy with Merrick Bank. I am using it to rebuild my credit. After less than a year with them,they doubled my limit. I was at the higher end of bad credit so they started me out at 900. If you pay on time and maintain a low balance this card delivers. As a side note, Capital One had been awful. After a year and a half of keeping the card paid off, they refused to increase my limit.
↧
By: Erika Duritsky
I have a Merrick card and I really think they are a pretty good company. I am not very impressed with their customer service crew but aside from that they do increase your limit pretty quickly as long as you pay your bill on time every month. I have no complaints at all.
↧
By: Janet Halverson
You are right in reporting this is a rip-off company and card. Beware, they are sharks, no lie. I have other cards to help rebuild my credit, e.g., Capital One, who are extremely fair and customer oriented compared to these snakes in the grass.
↧
↧
By: Janet Halverson
Right on, very good point people. Read and heed and beware of this scam card.
↧
By: Janet Halverson
These people seem to enjoy having the upper hand and practically gloat about being able to rip people off for ridiculous, unexpected fees on top of fees on top of fraudulent charges (watch the charges on your card!). Very poor candidate as far as I am concerned and just want to warn others.
↧
By: Mark
While the Merrick bank card is not the best, I went ahead and got it. I have been rebuilding my credit for the last couple of years after a terrible income shortage in 2006-2007. My score is just under 700 now (it was 540 2 years ago). I was advised to get some more available credit and that should increase my rating. I did it to get the $700 limit and will put $10 a month on it until it is raised to $1400 and then only use it to rent cars (which I only do if I have the cash on hand). The extra available credit should up my score to over 700. The responsible use of low limit HSBC card (now issued by Cap One) has done wonders for my score. I just need more available credit and more recent history to increase my score some more.
↧
By: Sally
I never heard of this credit card company. Where did they come from?
↧
↧
By: Johnny
This is a fabulous card! once again the only whiners are the ones who dont pay their bills on time!!!
↧
By: merricknonsense
Got a “preapproved” offer that I decided to accept, only to be denied after I put in the rest of my personal info… seems like a scam to me! Dont trust these bastards!!
↧
By: Jeff Powers
I lost my Merrick Bank card. They are charging me $15 for a replacement. Pretty crappy way to treat a customer if you ask me
↧
By: on't miss out on a goood company
I think you are making a mistake . I have a Merrik CC and have had a great relationship with them even customer service. They raised my lmit without me even having to request. They are there to give you a second chance and have many people I don’t think they need to chase you. Don’t miss out on going with a good company that really is there to help you rebuild your life. Just pay on time and if you have a problem call customer service and they will help you with it.
↧
↧
By: Mare
I was just advised that my response was waiting for moderation – what does that tell you?
↧
By: Mare
Bull – they report you to the bureaus if you are 5 minutes late.
↧
By: Mare
Probably outsourced from India.
↧
By: Ahh Yo!
I’ve been a member for over a year and a half as of 1.29.13. Yes, the interest rates are high but with my credit, I had to pick someone. I’ve been with Continental Finance for over 3 years and they were always raising the annual fee (installments monthly). I started out with $300 (plus activation/set-up fee)credit limit and closed my account in good standards with a credit limit of $720. Not once did Continental Finance charge me over the limit fee or late fee(s). The interest fee started with $10 a month (2007) and shot up to $18 (2010). As for the credit increase, they charged $25 for a $75 increase (every six months). Before they use to give you $100. The interest rate (19.92%) was less than what I have now with Merrick Bank (25.45%). If they would have shifted my credit to there gold card, I would have gotten a lower interest (about 9.92%), but I would have had to cancel my credit card and sign up again and start all over again with a $300 limit (plus activation/set-up fee). It made no sense and I even called and complained to them about that, they didn’t really care nor sympathetic. In other words, they are in it for the money period! They didn’t even care about how excellent my credit history with them was. What I’ve learned from both credit cards is that you have to know their game and try hard not to fall into there high fee(s)game. With Merrick, I’ve kept my spending low and never had a over the limit fee, late fee, and/or other fee(s). Within the last six months of writing this, Merrick has given me two (2) credit limit increase. I really don’t know what there technique are as in giving, but I’m happy they did without charging. I did call them once to see if I could get a credit increase and they basically gave there speech on policy. Bottom line, I know I don’t have the best credit score and if that means that I have to go with someone who charges a high interest, I just make sure not to go over the limit and use the card for important items. I burn and learn. Just because you get credit doesn’t mean that you have to max out the limit. I’ve been there, done that. Both credit card companies have been good to me and I never had any serious issues and/or hidden fees. EVERYBODY deserves another chance in life, sometimes you just have to bare with it and eventually everything will pan out. Remember folks, those credit companies with high interest rates never forced you to sign up in the first place. You have the right to not sign up. My goal is to wait and move on to another credit company with less interest fee and more reputable. To the best of my knowledge, Merrick is not a bank. I don’t know how they can get away with saying that. At least Continental Finance is a bank, the bank is called Bank of Delaware. Merrick is a company based out of Jordan, UT. I’m not knocking them, they have been great to me. It just haunts me sometimes because they are not really reputable. Who knows, with more people like me and my good credit methods, they just might grow into a reputable company/bank. I don’t work nor know of any person(s) at Continental Finance or Merrick bank. I am speaking from my own and no one has paid me and/or compensated me in any way to write this article. There is hope for you folks. As long as you pay the minimum (or more) and keep you balance low, in time you’re credit score will shoot up and you can apply for a lower interest rate card.
↧
↧
By: Ahh Yo!
It’s not a scam. I’ve been with them for over a year and a half. I too responded to the per-approved mail offer and that is how I got the credit card. I did the basic step (like you) and filled in the information. A few days later, they sent me the card. To the best of my knowledge, they did not say I was approved after filling in the info on there website. The card just sprung up and I was on the go. Trust me, Merrick bank is not a scam. They have treated me good, just like I’ve treated them.
↧
By: Ahh Yo!
They are located in Jordan UT
↧
By: Ahh Yo!
Unless you have tangible evidence that Merrick bank notifies the bureau, you need to stop making false accusations.
↧
More Pages to Explore .....
