Load time is fast. First screen shows all the information you need without having to tap or go to a menu to reach a second screen. Also like the multiple payment option which favorably effects your credit score. I have a few credit cards with their apps and this one works better than most. I prefer paperless and I’m able to see everything I need to on the app. On transactions you can filter and get to the information you need and maybe one feature I’d add to the app would be to have the ability to send the filtered transaction data to my email in CSV or excel format for expense forms. I’m sure that feature is available on the website but I mostly use the app.
I liked it better when it was just Mercury. I don’t care for some of the changes they have made. Making my payment after it switched was slightly confusing. I liked that I could cancel a online payment and change it needed, but can’t do that now. You can break down your payment to smaller payments but I don’t understand how that works for each month. I do like that I can still set my own payment amount and make multiple payments if I want. I like that my payments post pretty quick after they clear my account.
I currently own a card with Mercury. They target people with low credit score, and at first it is good because it really helped with the credit. However, this company does not give increases to your credit, they are not registered like other credit card companies, QuickBooks doesn’t recognize them, nerd wallet doesn’t recognize them, and it takes them forever to report your credit changes. For a beginner with very very crappy credit this is a good card service. They do not protect the customers from fraud, in fact or blatantly apathetic about it. So when you apply you are applying for a card to build your credit and nothing more. Whatever they start you out it is what you will stay at for years. It has already been two years for me and still no credit increase and I can’t connect it to my QuickBooks like I can with the other ones. So think twice before you apply for this company
The new Oculus version of this app is total crap(to put it lightly)! I couldn’t get it to work from the time they published it. Just now, it took me an HOUR+ to get one payment made, and that I had to do on the phone, because the app has no options other than an ignorant programer’s idea of minimum or “spot” (like a first grade reader - remember spot?) or balance. Then, the app hangs and doesn’t work, anyway!! NOW… after making my payment over the phone with the department that should understand how the silly app works, the app WON’T CLOSE. Over and over, I tapped logout, then continue, and it stays open! I think that means their site and or app has been hacked. So now I’ve deleted it and will use the website from now on. If they make a game out of that, I’ll close all Mercury accounts - and advise all others to, as well. Whoever re-designed this app to look and act like a child’s game should be replaced. Bank accounts don’t need to be toyed with!
I wanted to sign in and make a single payment. The app is not intuitive and there appears to be no way to make a one time payment. The only option to make a payment is to select “Easy Pay” and enter a custom amount. It then asks if you want to split your payments. NO!!! I just want to make a simple one time payment, although it appears that the amount I entered is now going what is also automatically paid each month? I truly have no idea if it will process as a one time additional payment for way over my minimum or if it now my monthly payment amount and if it changed my regular payment date?!?!?! Horrible horrible non-intuitive app and I’m guessing that they make it as hard as possible to keep you from paying your card off as soon as possible so they can continue charging their outrageous interest rates for as long as they possibly can.
Honestly, it started off well you guys, each and every one of you should know the truth that they target people with low credit scores even when you have a payment plan with them, they give you more credit when your almost finished paying it off they give you a credit increase bringing up your spending power but leaving you to pay the amount that was not there and then tell you to pay the other amount and if you don't they will sell your information to a third party taking off almost 200 points that they never placed there in the first place which is messed up. A bit of advice save your self from this insanity I wish I had someone to tell me don't they call and keep treating you to pay then after before you know it it's sold without your knowledge no date of it or ntg
I opened an account a few months ago. I waited for my card for a couple weeks, but it never came. So I went to request another card. There is no email address to contact, you have to go through the phone number. I held for 2 hours one day and I never got through. There is no other way to request another card besides that number that I can find, no button in the app or site. I've tried calling multiple times over the last couple months and I have never been able to speak to a person. I suppose I could do a snail mail, but then what if that's lost as well? I've pretty much given up. I would just close my account, but I would probably have to get a person on the phone for that. So eventually it'll close due to inactivity hopefully.
I had a chapter seven bankruptcy in 2019 . Honestly didn’t expect to get approved for this card, but I decided to apply after conceding for sure me time. Got approved for $2500 and set up my account online. It was easi and fast. After few days my card arrived and I started ising it. Have no issues of any kind. I’m very happy with the card. I don’t know if they doing credit limit increases but I’m okay with what I got for time being. Hav another 9 credit catds , making all my payments on time… will see how it goes. Thank you Mercury for giving me a second chance.
I’ve had this card for several years. The day I receive statement, I cut and mail a check for the full balance. Last month they did not deposit the check two days prior the due date. I called to ask why the delay and could not get a straight answer. I was the. Advised to make a payment for the minimum amount. I did that and two days after the due date they deposited the check which I sent out almost 3 weeks prior. For that late processing they charged me an excessive interest rate on a small amount (my total balance was below $130… interest charged was $9.99). I called in again and after throwing a massive tantrum, as this is wrong in principle, they reversed the interest charge. Today, FOR THE SECOND TIME, my check I mailed almost 3 weeks ago had not been processed. I just went online and settled the full amount. Not sure what Mercury’s issue is, but I will not be held hostage as to how I wish to settle my monthly bills. Serves you right if you lose a boat load of customers due to your new found little scheme to delay processing payments and charging people ridiculous interest rates on the “late payment” that you created.
The old way I was able to pay when I wanted, as much as I wanted. You could see your payments post quickly you can cancel the payment if you think you made a mistake. This app does nothing for me it’s confusing. Can’t make the payment you want for the amount you want, other than the preset payments the have. I have never in the years I’ve had credit cards to my name can’t make the type of payment I want. In other words YOU HAVE TAKEN OUR CHOICE AWAY OF HOW WE WANT TO MANAGE OUR ACCOUNT. In paying up and closing this credit card. NEVER AGAIN.
My Mercury credit card has been a very dependable and reliable account for the last couple years. I’m trying to rebuild my credit score, and this card has been very instrumental at helping me get that done. I know some people have complaints, and some are valid. But in my opinion, if you stay under your limit, pay at least the minimum due, and NEVER be tardy in making your payments, this company will report favorably to the 3 credit bureaus. I love my Mercury credit card, and I would never think of closing it.
For me this use to be a Barclays card. The app was super. I miss those days. There are many hiccups with this app, starting off with the loading. I have a grandmother who moves faster. Second is payment changes. It doesn't always happen the way it should in this app. It would also be nice if I could see pending payments on the first page (under what is due). Bouncing around too much in the app in my open. Hmmm, more steps (I am thrilled). Another issue is taking a trip. In this app it only allows for foreign travel…bi-coastal US not an option. I guess they only pay attention to card activity if you leave the good ol’ USA. I can go on but you need to read the other folks input.
Hi, I have iPhone 11, with their new update, I am unable to make payment because it freezes on the payment option page. Where it asks how you would to make payment via single or multiple payment. It doesn’t let me select anything, not even the “back” button. I have even restated my iPhone and still freezes… starting to annoying me. I keep going to a browser for payment, laptop and even on my iPhone. What’s the point of having the app??
Since the last update I had to change my password because Mercury said my password was wrong. Face recognition not working and I had to use web browser to pay my bill. Then today I get a text saying I was past due when in fact I was not. Please fix the app it’s acting up terribly. I never had a problem my two years with Mercury until this past update. Thank you Lee In customer service for your help today when I called.
I went into a settlement to pay off my remaining balance with my mercury card. I was told to pay it off would be one year. I had automatic payments set up. After my 3rd payment I was informed I was 75 days late on my payments. I then called and paid off the remaining balance. This was 4 months after starting my settlement. A few weeks later I was then informed I still owed over 500 dollars. I paid off full balance November 2022. It is now February 2023 and they are still saying I owe over $500 and that I am now 40 days late on my payments. Thanks to this my credit has been greatly reduced. I have called them 4 times to fix the issue and get told every time that they are starting a new case to resolve my problem.
I received a Mercury card in October 2022, I had a credit limit of $2000 which is similar to other cards I have… I got this card only to build more credit. They put my account on hold as soon as I received the card (which was my fault, I had just moved and put my old address on the application) however, I submitted all the requested information multiple times… I even had to go get documents notarized… after 7 months of dealing with this company, and being told “your account is under review, we have no answers but you can call back later” calling at least twice a month, being on the phone for hours… today I got a response. “Your account was closed due to fraud”. Wow. Do better!
I really enjoy this updated app! It’s easier to read and interpret. I have come to really appreciate the main page that breaks down your limits, usage and remaining balances. I also like the update with the payments that shows how you can break up your payments and what your interest looks like based on your payments. The rewards are a little hidden but outside of that it’s easy to use. It would be nice to see a quicker short cut for the rewards. Thoroughly using this app.
It’s very confusing. You need a separate tap space for your custom payment. It needs to be specific. You should be able to delete your minimum payment amount. I got charged twice once for my selected payment and then for my minimum payment. It over drew my account at the bank. And bank returned it which Mercury then hit me with a return charge. Yet my first initial payment was over the minimum due. The system is not user friendly.
I’m so grateful Mercury gave me a chance. It was up to 2,700 and they gave me the max! They also raised my credit only after 2months. I always pay way more than minimum amount due. They give you amble reminders to make your payment which I like. If you’re thinking about getting a card this is the one! They will help rebuild your credit and increase your score asap. Just keep your part and pay on time they will report your good payments on time.
WAY too much animation and intro just to try and get the information you want. All my other cards give me all the info I need just by activating the app with facial recognition. If it takes longer than that you’re doing your customers no favors when they want to check their balance at a register. This went from my favorite card to my least favorite because of this change.
My problem is yes, the card looks and sounds good if you need credit and your credit score is low. The payment you make monthly, unless it’s not a very high amout, is used up for interest and other fees. The actual amount credited to the account is very low, so, of course, your amount owed stays almost the same and your card is never paid off and they are making a lot of money on the account, thanks to your payment. I’m upset because of this and I cannot afford their high payments with no result. So, yes please watch these companies. Research them before you accept their card. Great grandma/13
Mecury Credit card is way better than mission lane credit card and this you actually get bonus points while mission lane they automatically use it to deduct you payment every month automatically so you don’t see at all which is very bad system they have also mission lane has a higher interest rate . And Mecury app is simple to use and it’s features thank you for everything
I like this app better. I find it easier to navigate. I like the option to breakdown payments and do them weekly. You decide the amount and when calendar pops up you can choose the dates that are convenient. You can cancel it change dates day prior if need be. I didn't give them a 5 star because they need to do better transfer offers, when they do and you decline it doesn't need to keep popping up every time you log in.
I love every aspect of this card the cash back, the availability of funds as soon as you make the payment but most of all I love how easy it is to pay on your acct. you have the option to break your payments up for example lets say your making a $500 payment the system allows you to pay that in one shot or break it up into 2/3/4 payments thats a unique feature that i love!
Like the card but they block the card for suspected fraud regularly and it’s not something you can just call and verify your transactions to have removed. You call, they verify you, then they send that to some other department and you wait until they review your call and release the card. I once had it blocked for over 4 months and had to call 3 times spending 30-40 minutes on hold every time before they released it. Card is blocked now because I used it in a Walmart 60 miles from my house so I’m just going to leave it blocked and stop using it.
Being able to pay with a debit card is by far my favorite feature! I wish more companies would allow this. It makes for easy payments and my money is almost immediately applied and taken out of my bank account. I absolutely love it! I have had zero complaints other than the load screen animations! For someone on the go and in a rush to check balances, the last thing I want to do is wait for an animation to finish for me to see my balance. That is the only reason for the 3 star review.
I got a card with Mercury after a bankruptcy, and every step with them has been great. Overall, I am horrible with technology (even at the age of 26), but the app and website have been straightforward and simple for me. Mercury has truly helped me rebuild credit, so although others may have had a different experience, I suggest this card/company to everyone!
I really like my Mercury card and the fact that they gave me a good credit limit to start with however that said I’m going to have to pay it off ASAP due to the very high interest and all the additional fees are the highest of any other card that that I have. Hardly any of my pmt goes to principal.. at this rate I will never be able to pay this off. Too bad I like my Mercury account it’s not a hassle to access my info. Like the Face ID feature.
I have seen negative reviews. I believe your experience once you use the App and services offered, you will be extremely pleased. You can choose your due dates, manage your purchases, manage your payments at a moment’s daily. Apply, it’s a valuable tool to get your finances and Credit Score on track to freedom to choose success. They helped me after Chapter 13 right away.
App is easy to use. As some of the other reviews suggested, I also was given a higher than expected starting credit limit. Looking forward to seeing what it is increased to. No comments on APR. I never pay much attention to that. So long as the balance is laid before the bill cycles there is no interest, + I’m building credit. Rewards program is okay.
Easy to use app. Great card!!! gives my credit score and makes payment options easy for me, breaking them down into affordable increments if I am unable to pay the full amount that month. Upped my credit limit without me even having to ask. One of only two lenders I use, and I have a multitude of credit lines.
Sometimes change and new ways aren’t better and this app change is a perfect example! As others have said, the fancy little opening takes time and does nothing! The payment process is time consuming, confusing and sometimes you don’t know if it actually took. I now make my payments on my laptop instead of my iPhone app as it’s faster and a lot less confusing!! If you developers are going to change something, how about actually make it better, maybe do some testing before releasing garbage!
Even though I have not had to use it, I love having the option to break down the payment. For an into credit card, I don’t have any complaints. The interest rate is higher -but that’s to be expected with an intro card. Based on payment history they automatically give limit increases regularly.
My card was stolen and used to charge over $1K. In order to report it as stolen, I had to call customer service. 2 hours later, I was still on hold. I hung up and tried again the next day. Still nothing. I’m on the hook for fraudulent charges. The app should have a way to automatically freeze a card that you suspect or know is stolen.
I have no problem with this card I’ve had 3 increases already within 2 years of having it when I log on I see my payment pending I see my balance what I owe I don’t know why other people are having such a problem! I make my payments 3 days before it’s due and I always pay more than what they ask for so I’m very happy with mine!
I called about two months ago about disputing cash advances that I never made and I’m still getting charged cash advance interest fees, and this was supposed to be taken care of two months ago. Nobody has ever gotten back to me like I said was told and like I said, I’m still gonna charge for cash advances and I never got this whole time, please look into this
I do have different types of credit card including Mercury Visa card. Very easy process to get. They automatically increased my credit limit after I used this card for about a year. Never got any problem ever to use anywhere here is USA or abroad in different countries. I definitely give 5 stars to this 5 star credit card.
I’ve had this card for quite a few years. When I was going through a hard time, they actually reached out to me offering to lower my monthly payments without penalties. I’m forever grateful for that. Not to many credit card companies will do that. I highly recommend this card. They’ve got my loyalty for life.
I’m not understanding the bad reviews on this card. I have numerous credit cards and when I got this one, my credit was actually good. They INCREASED my limit quickly as well, which I saw reviews complaining they never do that. The app is so easy to use and I love the cash advance options. Hands down my favorite card. Cash back rewards is awesome too.
This app is amazing as it is easy to see how much credit you have used and the remaining amount of credit available. It’s allows you to set up auto pay for the low monthly minimum payment and notifies you when you receive a credit line increase.
They update their website/put their website offline way too much. Every time I decide to check my balance, guess what? Website is down. I’m tired of it. I bet you can suggest that their website is down as I’m typing this cause it’s true. Also, I can’t login from app to pay off card. I have to login from a computer because it says incorrect credentials even though it’s the same credentials. So just know when you get this card, 35% of the time, the website is down!
Nice layout and easy to find options. I’m all for improvements and making it easier for the consumer. This card came with a great credit limit and great terms. I have paid it off once and began using it again to establish a solid payment history. No complaints here, keep up the great work!!
Pay attention to every charge or you might be scammed
Customer service is not helpful!! You have to watch every transaction because sometimes they are not yours or app made a mistake! God forbid you’re waiting for a refund, it’s more confusing on the app then when you call for help They don’t know either!
Mercury is the best credit card to have in my opinion. It has the best benefits and is a great company. They work with you in so many ways to accomplish all your goals you set for yourself. They are truly here for their customers. Mercury is by far my favorite credit card in my wallet!
No card sent great company keeps my credit perfect
Got approved few months ago never seen the card or anything in writing except telling me what I could gain. They are right I gain nothing in credit or cannot buy anything either good company my credit rating should double with no missed payments
Extremely easy to use. Login with face ID is amazing. The graph it uses with the circles to show balance/credit is really fundamental to see your spending left. Being able to split payments is an awesome option, used once and no issues. I usually pay in full. Overall, 11/10. I love my Mercury acct. They treat me great.
I love this card! I used it for a couple of months and they increased my credit right away. I started with a $500 limit and they increased it to $1,500. I have no issues with the app. Like with everything I make my payments during the week so that I can see it reflected right away. So far the best
This app needs some serious attention. Can’t set up alerts. Can’t see your balance, except for the first number digit. I’ve gone online on my laptop and set up alerts and still get nothing. I’ve been building my credit up and I’m almost at a perfect score. I won’t be using this card ever again and I’m waiting just another month or two when my credit score is 850 so I can cancel my account. It will knock me back a few points but it won’t make much difference when I’m at 850. I hate this app. It’s totally useless.
It’s very slow to load when opening the app. It’s also slow when maneuvering to different pages once inside the app. I read a review that said it would be helpful if pending charges were listed on the first page, along with current balance, available balance and credit limit. I concur, it would be awesome! I rated the app 3 stars because of the slow load and maneuver issues.
I liked the app without it. It slows down the startup time by about 30. My time is precious and while it MAY be of benefit to a very select group of people, it takes TOOOOO LOOOOONNNNNGGGGGG! to get to the info I’m looking for! I personally do not need to see a graphical representation of the numerics of my account. I know what the percentages are. The ONLY reason I use the app is because they FORCED IT upon me. Sorry if this sounds too harsh, but 1) I’m being REALLY honest! 2) I do NOT NEED the opening graphics to WASTE my time! Thank you!
Welcome to the Mercury® Cards App, giving Mercury cardmembers an easier way to control their card— and their credit. Download it for free now to take advantage of mobile access to: Smarter ways to pay - Smart Spot gives you a personalized payment amount to help you save money and time paying down your balance. - Schedule and split payments into easier, bite-sized payments throughout the month. Greater flexibility means greater freedom. - Set up automated monthly payments with Easy Pay—and never pay a late fee. A personal success plan - Create goals that can keep you on track throughout your journey. - Get personalized tips that can help you improve your credit. - Monitor your FICO® Score for Free, always available at your fingertips. On-the-go control - Keep a close eye on your transactions and account balance in real time. - Manage authorized users, linked bank accounts, statement delivery options, travel notifications, alerts, and more. - Easily add your card to Apple Pay for a more convenient way to pay. - Access customer service with one-touch dialing, if you need support. See you on the app—where we’re not just in your pocket, we’re in your corner too.
