OMG! Do NOT think about applying for a Merrick Bank Credit card account!! Do NOT! I applied and decided I didn’t want the account. Received card in the mail and just shredded the whole envelope after reading all the horror stories. I never “activated” the card/account. They had the nerve to send me an email advising me I was past due on my payment AND reported it to the credit reporting agencies!!!! I NEVER activated the account!!! This is standard practice when you apply for a credit card. You have to activate the account in order to finalize and open the line of credit you were approved for. Apparently not with Merrick Bank! Customer Service had the nerve to tell me that I should have called and canceled the account. NO! You can’t charge an annual fee for an account that has not been formally activated upon receipt of the card! And you can’t prove I ever received the card in the first place! This is shady as F*ck! Why isn’t the federal government doing something about Merrick?! Seriously, DO NOT give them any of your information at all or you’re screwed! Unbelievable that they expect me to pay for an account that has not been activated.
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