I haven’t had my Merrick Bank Credit Card for very long, but so far so good. I must say I’m impressed with the expedient customer service on the phone as well as the English speaking personnel that understand what you’re saying. They also don’t leave you on hold for days with that annoying crappy background music. You might get transferred one time at the most to the right department and they come on the line within seconds. I have had a couple of security blocks on my card but when I called them, they took care of it immediately and made the funds available before I hung up the phone. As far as the high interest rates and the annual fee, I can deal with that plus it kind of forces me to carry a lower balance and better budget my spending. Their website is simple and easy to navigate. I’ve had Capital One for almost 10 years and I have to say, when they outsourced their customer service to off-shore reps their company went to the birds. My Cap 1 interest rate is really low like around 8% but if I had to get rid of one card, I’d still rather keep Merrick simply based on the excellent customer service, short hold time on the phone, and efficiency in taking care of minor little problems. The headaches trying to make an off-shore rep understand you, then feeling bad for insulting them and slamming the phone down are almost not worth the low rate or the fact they are one company that doesn’t charge foreign transaction fees. Importance of features varies obviously from one customer to another.
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