I have a merrick bank card and wish I didn’t. I have read the other comments and fully understand both the good and the bad. For those who are fortunate enough in this economy to stay in good standings with merrick or any other credit issuer is great! I try to practice a responsible relationship in concerns with my credit card providers as well. I did have an incident where I paid on the due date but after 5 p.m.(et). I live in a central time zone and missed Merricks posting by 30 minutes. I recieved a $35 dollar late fee. A little over a dollar per minute. I called Merrick and spoke with a very RUDE and aggressive representative! She was talking over me as if she was reading a script. The rep told me that after 5pm it becomes the next day..so if today is the 21st of November 4:59 pm..then at 5:01 pm it becomes the 22nd..I told her “I know the banks have a lot of power but I don’t think they can change the calendar!” I understand all creditors have a cutoff time, but it was her RUDE behavior that upset me. She made me feel like I was a homeless person begging for an extra helping of mash potatoes at the soup kitchen! I asked to speak to a supervisor and after telling me the supervisor will tell me the same thing, she put me in hold only to return reading even more about Merricks policies. I never spoke to that supervisor and after repeatedly arguing with her, I just said thank you for nothing and hung up! I never heard of Merrick before and I hope to NEVER hear from them AGAIN!!
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