I don’t know what it was like in the past, but I can say, even though I haven’t used it too long yet, that there is no way i see this as poorly designed. I’ve seen that and this is not that. It has a lot of choices in the menu and is well designed and intuitive. I can’t speak for any bill pay functions but I can say that 1. This type of credit card isn’t usually going to itch your scratch for that, use your bank, checkbook, apps, whatever else. Usually bill pays through banks are slow and even send paper checks so you should maybe autopay directly and record somewhere yourself to make sure things get and stay paid even if contested. This is one of the better apps under the umbrella of low credit credit card/banks by far and I would from only take real stock in the reviews from this post on into the future. I wish some of these could be deleted. One suggestion for the app makers to fix this: with the next big update, make it an entirely new app page and app so that you can start fresh. This modern version is bogged by reviews that don’t even really count anymore. May have to make some big change to qualify I don’t know, but it would be worth the fresh start.

6 years ago, jewel game fan

App will not remember my login info

Everytime I login I select the box “remember me” and then proceed to use application settings to allow for quick preview. Then I attempt a login later in the day and once again both these options aren’t saved. The app has deleted my user ID and does not allow me to use quick preview. I have used the app for almost a year, only recently has this become an issue. Please fix. Other than that I had loved the app. App update: I changed my one star to 5! My issue was the system deleting my user info for quick log in. The issue has been continually fixed for about a month now, I’m happy to report this no longer seems to be an issue. Now for the positive, what I like about this cc app in comparison to others, my payment post next day, this makes Merrick my go to cc if I want to make a last minute charge. I really like having my bank payment post quickly. My only complaint now resides with rewards, this card offers zero, but has no annual fee or other random fees. I do really like that Merrick gives credit line increases every 6 months with no fees also. I will keep this card forever.

12 months ago, beccaboo111

Great bank

I enjoy and appreciate Merrick. I have had no issues at all with Merrick bank or the credit card associated with my account. The entire process of applying ,obtaining, using, and paying for the Merrick Credit Card was remarkably seamless and if your like me and have to deal with a lot of financial apps and services to move money, save money, get money, ect it was a refreshing experience. No pointless questions, no long waiting periods, no non-existent customer service —in fact they have been on point with every area, at least what’s important to me in a company and I plan on sticking with them. I will also say they gave me a chance and a somewhat decent Intrest rate when my credit wasn’t the best. It’s helped my score go up and I will remain faithful for that reason if no other. But I see now there are plenty of other reasons to stay with them. I am pleased with this company and the services I have utilized from them and have nothing but great things to say about this company!

2 years ago, ?!$&?

Maybe it’s your device?

Idk why this app has such bad reviews but it works on my iOS 11 Pro Max. Haven’t had an issue with anything except sometimes the loading is slow ~30secs, but that’s where others lack patience I guess. I really don’t understand why these reviewers don’t just log onto the website to do their do’s instead of complaining about the app not working??? It’s not hard. I mean it’s an app… No app is perfect. They all have flaws. The only thing I do wish they would do is allow it to be added to the apple wallet because carrying cards around is old in 2022. Plus cards get scratched easily no matter how much you clean them or use card separators then you end up not being able to make transactions. The tap & pay is a plus... Still old tech tho. Great bank in my opinion… Thx Merrick.

2 years ago, DODCJ

Very Good

When I saw all the bad reviews I got discouraged. I had already applied for and been approved for the credit card and then I was afraid after seeing so many bad reviews but it was too late because it was already on my credit report. But I have to say I haven’t had any issues with this company or their app to make an any payments, check my statements or anything, so I don’t know what the problem is but I’m glad I have an experienced it.

3 months ago, Desert Rat II

Quit Working

So I’ve been paying my card using the app since the day I got the card several years ago. Today I tried to make a payment, and the app will not recognize my face, and will not let me click on anything. It just goes through the same cycle over, and over, and over, cycling like an idiot. I tried to log on on the website, and the download just sticks. So, I decided to call and make my payment over the phone, and they want to charge a five dollar fee. It’s not that five dollars will break me, but the principle of it is: why should I pay a fee because I am not able to make a payment as I normally do? This is absolutely ludicrous to me. I’m wondering if it’s happening to everyone, and they’re not making some large amount of money based on fees from people because they have to pay over the phone, instead of the way that they normally choose to pay: via the app, or online.

2 years ago, JojoRene

Ugh

I don’t think my issue is solely with the app because I face the same problem on the website as well. The first month was completely fine but now my ‘Current Balance’ & ‘Available Credit’ won’t update anymore after purchases or payments. So at any given moment I don’t know how much my Balance is therefore I don’t know how much my payments should be. I’ve called customer service before and they told me on what date my account would refresh and it did but does that mean it’ll only refresh once every statement cycle??? I just recently made a payment on my credit card a week ago and I still don’t know what my actual balance is so that I’ll know what’s going to be on the cycle statement which will be shared with the credit bureaus

4 months ago, Bubitalapara

Gotta give it to them

I have now raised it to at least 3 stars because everything previously was taken care of but when its not one thing its another. The app is extremely glitchy and it wasn’t like that before and I am receiving messages about my statement being available and days later about 4-5 days later receive a message saying the payment has posted when it has already posted a while back. I think its receiving info extremely late but that is not convenient for anyone trying to know their most current info. I know that’s something that can’t be fixed right away but a huge suggestion is to help bring it to date with that info not a whole week later.

6 months ago, I love apps man

Overall Well Developed

It’s a bit of an old UI compared to my other banking apps, but it still works & can be navigated easily. Thing is, I can’t see a virtual copy of my card, I’m unable to lock & unlock my card at will. There’s a lot of modern features that are quite standard at this point that I don’t see implemented. The 3rd star is for how for easy it is to navigate thru the app otherwise it’s easily 2/5 without that. If you all would be able to make a widget available for the Home Screen, & include those aforementioned features that would easily be 5/5 ! All my other banks support that feature & it’s really useful. Hope you take into consideration & decide it’s the right way to go.

1 year ago, el1973

Annual fee

Had the card for a couple months I live in Massachusetts I canceled the account they’re refusing to give back 2/3 of annual fee Section 114C: Annual fee: notice; cancellation of agreement; reports Section 114C. A card issuer as defined in section one of chapter one hundred and forty D, whether located within or without the commonwealth, may assess an annual fee provided that the cardholder as defined by said section one, is notified of the amount of any such fee on or with the billing statement for the billing period prior to that in which the annual fee is billed to the cardholder's account. A cardholder may cancel his credit card agreement at any time during this period without penalty. If the cardholder cancels the agreement at any other time during the year, he shall receive a refund on a pro-rata basis of two-thirds of the annual fee.

3 years ago, AshleyDawn83

Issues opening app

When I first downloaded the app, it was great. I was able to log in and check my account balance, check statements, make payments, etc. and time I wanted to. Over the last week or so, once I get past the front loading screen, when it gets to the account information, it’s just a blank screen. It’s funny in a way. I’m only like a month or so from hitting that point of having my card balance to increase, and all of a sudden I’m having trouble accessing my account from the app. I have tried uninstalling and reinstalling the app several times over the last week or so that I have been having the issue, and it is still doing the same thing.

3 years ago, djsooshi

I have to wonder...

This app is about as dependable as a 10 year old condom in bowl full of thumbtacks. As many of us have busy lives, using the app to pay bills on the go is convenient. Whenever I try to get in the app to the pay the bill, app doesn’t work. Once in a blue moon it will pop up. I wonder if it’s so they can charge you a late fee? Anyway, I’m sure it’s just a lack of good IT to make the app work. I have an iPhone 11 that updated as it goes. No other CC app has this issue - you try to get on and takes you to a blank page. Lol, especially right after it sends an alert that it’s time to pay. Or maybe they want autopay? 🤷🏽. Going to finish this bill and not use the card

3 years ago, tat2dwaguy

From a 5 to a 2

Initially I rated this a 5 as I have been using this app since 2017 when it was extremely limited in functionality and very basic. The update to the new UI and added functionality was a major improvement. After the iOS 13.4 update and app update a week ago I cannot even get the application to load. Launching the app just opens a blank white page and nothing else happens. I have uninstalled and reinstalled the application as well as tried it on different hardware. The same thing happens on my iPhone 11, my daughters iPhone XR and my 5th Gen iPad. Both phones are on iOS 13.4 and the iPad is on iPad OS 13.4. Please fix this bug as the application is currently unusable.

3 months ago, Dadd01

So secure, you get locked out

I changed my password successfully a while ago, but the very FIRST time I tried logging into the app again, it locked me out saying “I’ve exceeded my log in attempts”, and then provided a number for me to call. Every time I called (the number didn't matter, I tried every one I could find), I was either unable to get to a representative (must have been “after hours”), or put on hold FOREVER, or connected with someone I simply could not understand. If you want to spend your time trying to get into your app and being unable to pay your account through it, then this is the app for you. Otherwise, THIS IS THE MOST FRUSTRATING BANK CARD APP IF YOU MAKE JUST ONE MISTAKE LOGGING IN.

3 months ago, Army Strong 23

Can’t log in

I give this app 3 stars because it’s simply not working… when I get to the log in screen it keeps saying my app cannot log in due to internet connection issues… the website is saying the same thing. However my phone is up to date and so is the app! I tried on a different device (thinking maybe it was my phone) but no… same issue… I was able to log in once to turn on quick view thinking that might help and still no. As soon as I logged out the issue returned and I can’t see any information. PLEASE FIX THIS BUG!!!!!!

6 months ago, logicofwar

Trash app

I’ll agree with the other review that this app is a lot of miss. I have an iPhone 11 and this is the only app that has issues on my phone. Constantly blanking out or quitting. Trying to pay a bill is such a hassle. I am starting to question if this is the way it is so they can charge a late fee. Utterly ridiculous. Update: it’s improved a lot since last time I reviewed! Now does Face ID and hasn’t bugged out on me often

2 years ago, cew60

Blank screen

Sometimes the app works well, but other times I get the Merrick logo followed by a blank screen. No amount of waiting or restarting the app helps. Then later that same day, or the next, it works fine. More consistency would be nice. **** The blank screen problem only happens when I’m using cellular connection (5G). Connecting through WiFi to my cable modem the app always works. It turns out I use the app most often to check my balance when I’m out and about, so it’s irritating.

5 years ago, S chassis

Bill payment

🤬🤬🤬🤬 Not being able to pay via debit/credit card has absolutely made this card worthless too me!!! I’m not accustomed to waiting 4days for you to take your money after I’ve given you authorization. They have hit me with returned check fees every month now for the 4 months that I’ve had the card😡😡😡😡. In 2019 you would think that every credit card company would get the memo that we need the payment process to be user friendly!!!!! Of all my credit accounts merrick bank is the worst when it comes to taking and accepting payment. Make sure you read about acceptable forms of payment when you apply for a card!!!! I’ll never make this mistake again. NEVER AGAIN!!

4 years ago, HOHIKM

A really really great company!

First of all, Merrick has given me the best opportunity to repair my credit. I have been working hard to do this. When I lapsed on a payment , I was charged a late fee. I was so upset and thought I’d try to see if Merrick would forgive my late payment just this once. Guess what? They did! The rep was so kind and helped me in 5 minutes or less. Thank you, Merrick for understanding the human experience. 🙂

1 year ago, juliepego

A Suggestion…

I noticed the Merrick App doesn’t have an option to increase my credit limit. I have paid all my bills on time every month since I received my card n credit karma suggested asking my creditors for an increase to boost my credit scores which I have been working hard to do while trying to maintain my steady payments including every day living n expenses especially the unexpected ones, example: Car Repair n Health Bills. Otherwise, I absolutely love the app n it’s easy to use.

6 years ago, Polylogy

Recent transactions

I have called about the app only showing me transactions from April and May of 2016!!! It is Nov 2017, this has been the case since September 2017. I was advised they knew of the problem and were working to fix it. I still have not seen an app update and the problem is still happening. With all the credit card fraud, I will not be using my card at all until this is fixed. There is no easy way for me to check pending transactions to verify activity on my card. Until this issue that is extremely overdue to be fixed, I was satisfied with the app and card. (I was instructed to uninstall and reinstall... i did that, it did not fix anything.)

3 years ago, CorinneTS

App is totally annoying

It is not a user friendly app and there is no connectivity to their website. The user is unable to get to paperless statements from app or look at any transactions that are not immediate or find any other information that the card holder might need, it is extremely annoying. And for some reason it seems the password you have for app you are unable to use on the website very frustrating as it wants to change password for app to website who wants to deal with a bunch of IT crap to just look at your statement to make sure nothing hinky is going on.

2 years ago, 6LK KNG

Don’t get this card.

This card is a scam!!! I haven’t missed a payment since I got this card, but my balance remains the same. I have paid more than the amount that listed on my minimum payment, yet my balance never decreases. However, my minimum payment goes up every couple of months. How is this even possible? My minimum payment shouldn’t be increasing if I’m paying my balance down. Stay away from this company at all cost. They didn’t post my last review, which tells me this company is a fraud. I will see if this one gets posted. I am reporting them and all of their activity to the Better Business Bureau.

2 years ago, HamTyler77

Quick-freeze feature frozen?

I used to app to put a quick freeze on my account. When I went to “unfreeze” it, I noticed the quick-freeze feature (which is still advertised on both app and website) was nowhere to be found. I called their support line to inquire about unfreezing my card. After waiting for a rep for an hour, he told me to go to the app section the feature was previously and unfreeze it there. I told him it did not exist. He seemed confused but said he could unfreeze my account from there and put me on hold. Then we got “disconnected.” Yeah. Now I have a card with no way of unfreezing.

3 years ago, jakeb25

Just No move on to the next card

These people are ridiculous. I have never missed a payment for years. Keep a zero balance. I use a different credit card for 6 months and they just close my account without telling me. I go to use it and nothing. They left me standing with no way to pay at a register. All because I didn’t use their card “ enough “ and i was using a different companies card. Thank god i have 8 other cards with no balances too. Lol. They just want your money and to make sure your indebted to them. They do NOT care about building your credit. Stay away from these wolves. If I could give a zero I would.

4 years ago, CottonDrum

App never remembers me

I’ve had this app for years, and the card itself wasn’t horrible. However, I’ve had the hardest time trying to get it to login by way of the app. Online seems to be the best, but via the app is terrible. If you are someone who pays by app please remember Merrick is going to set you back about 25 years with making your payments. It honestly shouldn’t be this hard to hand them money, but for whatever reason they make it extremely complicated. Customer service has to be slammed with resetting customers passwords daily. Hopefully, they’ll get this corrected one day!

11 months ago, vibrant801

Scam Artists - DO NOT GET THEIR CARD.

I got this card to boost my overall credit limit, which is the only redeeming quality considering the fees and charges attached, but turns out I was just in for a gigantic headache. Here’s how they scammed me and how they’ll scam you: I initiated a payment well before my due date, over the minimum payment, then I check back a few days later and to find the payment was sent back and they charged me a $30 return fee. For WHAT? I sent a payment in from an account that I can prove had the money in it and I get charged $30? Absolute scam. DON’T GET THEIR CARD, THEY WILL TAKE YOUR MONEY AND EFFECT YOUR CREDIT.

2 years ago, Javakai

Great card if you pay it back

I had two cards secure I always pay back in full also used the card in the dates after reporting So far the card works great no problems using the app,if you pay 2-3 days before or even on the due date there is really no issues my credit is finally at 670 and now you can get more picky about who you choose

12 months ago, geo0104

Needs improvement

This app works fine but it needs some serious changes in displaying alerts or notifications when your account needs attention. If you miss a payment by mistake and the letter from the bank arrives late, you will not know your account is past due by opening the app, it shows the information in a way that everything looks Okay in your account, there’s no red or yellow banners telling you that your late, you’re going to be charged a late fee, etc.

1 year ago, KatieCat81

Worst customer service

There’s not an employee that works there that speaks fluent English. I’ve called 5 times in the last week. The customer service reps are not only incompetent, but rude. They disconnect your calls. They promise things they don’t deliver. The supervisors promise to listen to the recorded calls, and promise to fix their mistakes, but they don’t follow through. I was told my card would be shipped 2 days express 5 times now. It keeps getting sent regular mail and then an incompetent employee cancels it but reissues regular mail again. This is the dumbest group of humans that I’ve ever dealt with.

3 months ago, Great Attribute

Love Ny Merrick App

I have been very happy with this app because it gives me access to my online account to view all activities, but what’s even better, it gives me access via face recognition to ensure the privacy and security management of my account, with the quick and easy viewing. Highly would recommend.

2 years ago, anthonys list

Good

I always try to pay 2 weeks ahead of time in case there should be a problem because why would i chance it? Any way ive had no problem at all with them in fact i think they are very professional in fact they remind me of capital one which I think is “Top of the line”!

5 months ago, liu40

Horrible service

For some inexplicable reason they keep freezing my card and it’s horrible the communication with this customer service, the put you in hold and then transfer you to another customer department which the waiting it’s ridiculous, they only said “ I’m sorry”. We are going to remove the freeze but then they do it again and you can’t find out when you’re at the store ready to use the card. I’m canceling this card cause I don’t need more stress in my life!!!

2 years ago, Big Johnny Gunn

Takes forever to release funds

You can make a payment, the payment comes out of your account, but for some odd reason, the funds aren’t available until a week later. Don’t be drawn in by the double up on on time payments. There are much better card options out here. I was drawn in by the double up, but learned quickly that this is not the card for me. There isn’t even an option to Express pay, so funds are available right away. Bad card and a bad decision on my part. I will never use this card again.

2 years ago, Ebonidebra

Perfection

I have not had one problem with this app. I appreciate how Merrick Bank confirms payments received every time. They also confirm charges that exceed my threshold I set for myself. Customer service is wonderful. You do not have to go through multiple prompts before you reach a live person. How wonderful.

2 months ago, bigboypalmah

It’s good but..

I love the app, but I feel like there could be many more options and controls to go through. When I schedule a payment for a date, I wish it would go through that morning like the rest of my auto-pays, instead it comes out that night or even the next day. It’s inconvenient. Other than that, I enjoy the company. Nothing but great feedback for the company, the app needs help though.

9 months ago, why ughhh

Restricted

I can’t get on the app or my account at all!! They restricted my account AFTER I made two large purchases and are making me jump through hoops on the phone to resolve the “fraud” issue then transferring me and the next rep doesn’t answer! They’ll pick up then hang up without saying a hello!! This company is crap! All my other credit cards and banks send me a text or an email asking me to confirm a purchase to avoid restrictions and closing of accounts or cards. They should do the same! Especially since you can’t get through on the phone!!!!

8 months ago, jrlaf

Iffy company

Applied and approved over two months ago and yet to get my card every time I call to see why I haven't I get some foreign person who can’t speak English and can’t understand they give some excuse one said it be shipped then week later called said it hadn’t even been made yet then two weeks later called again they said there processing company of the cards went down and to give it two more weeks like it shouldn’t take three months to get a card that I need and was approved for three months ago shady company

6 months ago, Harrison3334444

Awful Customer Service. Do not use Merrick

My account was closed without any notification whatsoever. I haven’t missed a payment in 11 months. Not only did they not notify me, they are still charging me a monthly fee even though I can’t use my credit card. When I call customer service, they transfer me 5 times (hoping I hang up) and then when I finally speak to someone, they say they can’t help me and that I can’t talk to a manager but I can leave a voicemail. Absolutely terrible financial institution. Do not ever use Merrick Bank.

11 months ago, mwtyr2654

Works so far

The app works fine for me. I guess the only thing to keep in mind is that you really really have to pay much earlier than the due date. You can’t just send the payment the day before it’s due. I tend to pay a couple weeks before the due date.

2 months ago, 23cookvr

Customer Service

App and card are fine I guess, but the customer service is HORRIBLE. They blocked a purchase as suspicious activity and locked my card and I’ve (currently) been on hold for over an hour and 40 minutes (and counting!) No way to email them or anything, so I’m sitting here at WORK trying to get this fixed, because of course they’re only open during my work hours.

12 months ago, Highestkicker

Nice job

You guys have done a tremendous job and keeping up with all the other credit card companies and hopefully you will continue to do so what a great credit card company this is I will definitely refer to all my friends and family thank you for doing such a great job

5 years ago, malcolmoliverj

Worst App in My Phone

This is undoubtedly the worst and most unreliable app that I have in my phone. It rarely remembers me, requiring me to log in. It often won’t open and appears to be loading endlessly. When I attempt to perform tasks, including logging in and making a payment, I repeatedly get an “Invalid Request” notice for no apparent reason. I’m glad that I have credit cards with other companies that I can readily recommend friends to use because apps are a big part of what many of my associates take into consideration and having a terrible one like this is a no go.

4 months ago, Mtj1969

Needs disputes option

This app desperately needs a way to properly dispute and communicate with appropriate contacts at merrick. The app itself works great and it has for years. But an option to allow the dispute process through the app would save so much time on both sides for the customer and merrick bank. They know it’s needed, so why not get it done.

1 year ago, 11Godisgreat11

Card

It’s just like any other credit card it’s good reliable don’t miss your payments I only have a lower limit on this card so I’m not too much in debt but with the app that helps you and allows you to maneuver and set a limit and do monthly payments which are pretty good to me

2 years ago, Lemonae

Tried to make my last payment but…

I also had problems logging in to make a payment before I got hit with a late fee. I couldn’t log in and apparently I was not the only one. I do not feel that I should be charged with that $40 late because of your site not being available to users. It’s bad enough that I was in the center of Hurricane Ida and am STILL trying to fix/replenish all that we lost…but that late fee… I guess that I should have listened to the negative reviews that was at the site where I applied to.

2 years ago, Reviewer-guy

Won’t post my review!?!?

Why is someone hiding my review!? I am absolutely convinced this company does not want responsible card holders. The app is beyond useless, you can’t enroll in autopay or even login to your account online most days. It’s back to the old days of paying your bill over the phone and guessing what your balance/spending habits are. I will not play this game, Merrick. I’ll take the increased credit availability uptick on my credit report until you close my account for inactivity but your cards already been destroyed.

2 weeks ago, TanyaLTrueTalk

The most antiquated CC App I have seen

We’ve had a Merrick card for nearly a decade as a back up for when traveling. Because we rarely use this card I only recently added the App after I waiting on hold for over 2hrs to notify them for a second time of fraud on my account. It had been my hope per their repeating recording I listened to the first hour of my hold “that the App can provide all the data the customer support team can see ” and “you can manage your account on the App”. You cannot notify them or file a fraud compliant in their App. You cannot request a new card in their App, this is by far the most antiquated credit card App I have yet to see. IDK about the “ChangingWaters” rant from a yr ago but clearly they have not worked with a modern credit card company. This is a crap App [PERIOD].

1 year ago, Good Girl Lisa

Reporting to credit bureaus

I like this card but I don’t like how they report to the credit bureaus. They don’t help build your credit they help lower it. I’ve never missed a payment however they reported I was over my credit limit which actually was caused by their fees. When I paid over the monthly payment amount it didn’t get reported to the credit bureaus. Is this even fair.

3 years ago, joetones

App Works, but needs more

I have no problems with the app really - you can access all account info and submit payments with ease. However, being a financial app, would really like to see push notifications for transactions. And it’s 2021 - I know you’re a smaller bank, but no reason you can’t implement Apple Pay. Would only increase your user base and contribute to overall customer satisfaction and convenience. Please!

Description

The updated - and totally free - Merrick Bank goMobile app gives you the power to do even more, right from your smartphone. You can check your account balance, schedule and view your payments, view your account transaction details, set up notifications — and lots more. Plus, with our latest update you’ll have access to enhanced payment features and can activate your credit card! You can also check and monitor your FICO® Score with goScore® so you can stay on top of your credit and avoid surprises. Get all the details you need to manage your account, plus a fresh new look, by downloading the updated mobile app! The Merrick Bank goMobile app is optimized for your iPhone® and is available 24/7 to all Merrick Bank customers. Our App allows you to access your account using your existing online Cardholder Center username and password. Get Started: To start using the mobile app, simply use your current online Cardholder Center login information. Not enrolled in the online Cardholder Center? No problem. You can download the app and enroll! Features: - TouchID and FaceID - Quick View - Set and Schedule Payments - View your FICO® Score with goScore® - Alert Set-Up & Management - Quick Freeze - Recent Transactions - Payment History - And much more Security: We take security very seriously. We protect your information through various security controls, including device recognition technology and encrypted mobile banking data, to name a few. iPhone® is a registered trademark of Apple Inc. Note: There is no charge from Merrick Bank for the goMobile App, but message and data rates may apply. Please check with your mobile carrier regarding any web browser/data usage rates on your device.