| |
|
| |
|
Merrick Bank Visa® Classic Card
Issued by Merrick Bank |
|
|
|
| Total Posts: 106 |
Average Rating:
 |
Category: Regular |
|
| |
| |
| |
Showing 1 - 10 of a total of 106 Commentaries |
| |
|
|
|
1-10 | 11-20 | 21-30 | 31-40 | 41-50 | 51-60 | 61-70 | 71-80 | 81-90 | 91-100 | 101-106 |
|
| |
| "bad card" |
| i mail my payments out the same time every month but this credit card company seems to recieve it late so they can charge me a late fee. i know they just set on the payment till it is late so they can charge the late fee. have never had a late fee with capital one. i mail it out in plenty of time for merrick bank to recieve. will be paying them off and never using them again. sent my payment out on the 16th this month and they claimed it had gotten to them on the 28th. they had already sent me a threatening email and said it was already in collections. yet the payment was due on the 21st. how can it be in collections when it was 7 days late. these people are crooks. dont ask them for credit. |
| |
| Most attractive feature: there is no best feature or service with this credit card. |
| Least attractive feature: there customer service is terrible. |
| |
 Overall:  |
| Benefits: |
| Service: |
| |
| Posted by: dsc |
| Date: 1/3/2012 |
Recommend?  |
|
This person does not recommend this card.
|
| |
| |
| |
| "Lesson Learned" |
I will only bank where I can walk into an office to get things handled. Also moving to locally owned credit unions, saved tremendously and there is a smiling friendly face to help me. Not somebody that could give a damn because he never sees his customer or cares.
And NO I did not chose to do business here. The bank I was happy with sold me out. |
| |
| Most attractive feature: This Bank was awful to deal with! The best feature was closing the account!!! |
| Least attractive feature: Charging for a phone payment. Kinda nice to talk with who your dealing with. |
| |
| Overall: |
| Benefits: |
Service:  |
| |
| Posted by: Jason |
| Date: 7/19/2011 |
| Recommend? |
|
This person does not recommend this card.
|
| |
| |
| |
| "MERRICK VISA CARD CRITIQUE" |
| I was pre-approved for this card despite having a ch. 7 bankruptcy in 2008. There is no annual fee or setup/application fees. Also I received an initial credit line of $1,250 much higher than any other sub prime lenders offer. Interest are high but that is the nature of lending to people with bad credit histories. It's part of the risk/return calculus. |
| |
| Most attractive feature: High initial credit line even if you are a sub prime borrower |
| Least attractive feature: High cash advance fees |
| |
Overall:  |
Benefits:  |
| Service: |
| |
| Posted by: STEPHEN |
| Date: 3/28/2011 |
Recommend?  |
|
This person does recommend this card.
|
| |
| |
| |
| "How will I handle this situation." |
My issues are a bit different in that I never missed a payment or had a late payment, however I did use the card and once I got close to my limit of $3000.00 these Piranha decided to raise my rate from 9.9% to 29.90%. Upon contacting one of their illustrious and oh so passionate staff I was informed that they raised my rate "BECAUSE THEY COULD AND THERE WAS ABSOLUTELY NOTHING I COULD DO ABOUT IT". As anyone that has had credit cards knows it is virtually impossible to pay off a card at these rates, I opted to just not pay them. Of course I did take a hit on my CREDIT RATING-but what the hey, they did not get their inflated rates from me. The best thing is that after March 2012 they can't even post that on my reports. Want more info - you should get the hard covered book called "Debt Cures" by Kevin Trudeau - It could give you some insight into what these can and can't do. Norm
|
| |
| Most attractive feature: Offered a low rate initially until they set the hook. |
| Least attractive feature: They hire nothing but bottom feeding low life phone personel with the passion of a piranha |
| |
| Overall: |
| Benefits: |
| Service: |
| |
| Posted by: Norm |
| Date: 1/9/2011 |
| Recommend? |
|
This person does not recommend this card.
|
| |
| |
| |
| "Customer Service" |
| When I tried to speak to an officer of the company the girl told me what they don't have them. Said they were just a credit card company. Apparently this young lady doesn't realize that all corporations have officers. They will not do anything to help you in anyway. |
| |
| Most attractive feature: No good service or feature. |
| Least attractive feature: All they want is your money in the programs they offer. |
| |
| Overall: |
| Benefits: |
| Service: |
| |
| Posted by: Jerry |
| Date: 2/22/2010 |
| Recommend? |
|
This person does not recommend this card.
|
| |
| |
| |
| "Wish I never got this card" |
| This bank charged a very high interest rate and after having an account for 4 years NO problems I requested a lower interest rate. They refused so I closed the account. They also lowered my credit line out of the blue for no reason. My credit score was high, my overall debt is fairly low, I had a good history with them and this is how they treat their good customers. |
| |
| Most attractive feature: Easy credit line increases to keep you in debt |
| Least attractive feature: Very high interest rate |
| |
| Overall: |
| Benefits: |
| Service: |
| |
| Posted by: Eileen |
| Date: 3/17/2009 |
| Recommend? |
|
This person does not recommend this card.
|
| |
| |
| |
| "good start" |
| have had bad credit inpast, working on fixing it, other low credit line cards anger me. Especially when some use tatics like "pay your balance the first 3 months and your getting a raise in credit limit" lies all lies. No lies with Merrick. Descent credit line $600 for my credit, Im happy, its now my only card, paid off that old capital @#$% card. |
| |
| Most attractive feature: high credit limit to start |
| Least attractive feature: ummm havent found one yet |
| |
| Overall: |
Benefits:  |
| Service: |
| |
| Posted by: Jim |
| Date: 1/24/2007 |
| Recommend? |
|
This person does recommend this card.
|
| |
| |
| |
| "Great Card that Rewards Good Credit Practices..." |
| I have been a cardmember with Merrick bank a little over 2 years now and just got a credit increase of $300 that put me up at a $2000 credit limit. I have enjoyed carrying this card, as it constantly rewards my good credit habits with frequent credit limit increases. I asked the CSR what is the cap on this card for credit limits and she stated that they do not have a cap. As long as I stay a good cardmember with them, my limit can get as high as I want it. Also, they do lower your APR as your balance comes down (balance to credit ratio). This is one card I plan to keep for a long time. Having a credit card with a $2000 limit and above is seen favorably by many creditors as it shows that someone finds me trustworthy to potentially lend me this amount. Keep you balances low and pay them off and rewards happen quite often with this card. Of all the others, this one is the best. Orchard bank is good, but is stingy on credit limit increases even with a zero balance. I have had 2 Orchard cards for the same time and they both do not have credit limits over $1000 even with zero balances. I am eager to see how far I can get this card up this year. I would highly recommend using Merrick Bank for your credit rebuilding needs. Be wise with it and you'll see the same. |
| |
| Most attractive feature: CREDIT LIMIT INCREASES |
| Least attractive feature: High APR, but understandable... |
| |
Overall:  |
| Benefits: |
| Service: |
| |
| Posted by: CHEYBOI4U |
| Date: 1/6/2007 |
| Recommend? |
|
This person does recommend this card.
|
| |
| |
| |
| "Received this Card" |
I received this card by invitation. I did it as a fluke. My credit is very bad. I thougt since only thing they could do is turn me down. I was suprised when I received this card in the mail, without those stupid annual fees, start up fees.
This card is an unsecured card. So if you received this invitation in the mail apply. Thanks Merrick Bank for giving me this chance to improve my credit. |
| |
| Most attractive feature: Customer Service is A+. They are always their to help. |
| Least attractive feature: NONE |
| |
| Overall: |
| Benefits: |
| Service: |
| |
| Posted by: jag20000 |
| Date: 8/7/2006 |
| Recommend? |
|
This person does recommend this card.
|
| |
| |
| |
| "Best Card For Rebuilding Credit" |
| I received a pre aproval offer in the mail and was accecpted. No annual fee and a good starting credit limit. Great card to rebuild my credit. |
| |
| Most attractive feature: No annual Fee , 750 starting credit limit |
| Least attractive feature: Intrest Rate |
| |
| Overall: |
| Benefits: |
| Service: |
| |
| Posted by: Moe S |
| Date: 8/7/2006 |
| Recommend? |
|
This person does recommend this card.
|
| |
| |
| |
|
|
Showing 1 - 10 of a total of 106 Commentaries
|
|
|
1-10 | 11-20 | 21-30 | 31-40 | 41-50 | 51-60 | 61-70 | 71-80 | 81-90 | 91-100 | 101-106
|
|
| |
| |
| |
| |
|
