Merrick Bank Mobile

Not able to log in to mobile app any longer!! I have to log in on website to manage my account. PLEASE FIX THIS!!!!! **update** It's been many months and I have contacted Merrick Bank and they are of no help at all! My app doesn't work and I think they do this on purpose so you'll be late and they can collect over $40 in late fees. Stay away from this company! If you owe them money, pay them off as soon as possible and then stop using them.

It's mediocre. it serves It's purpose but I don't love that when things get tough and you're a little late on your payment you get locked out of the account and can't access it to make the payment to make the bill current. I have to jump through hoops to just give them my money and I find it very inconvenient. Edit: Responding to the suggested resolution.. The fact that I've never had a choice to do what you're offering as a solution was the problem in the first place.

Since the latest update, I can no longer log in to the app. I went so far as to change my password, uninstalling and reinstalling, restarting my phone, switching from wifi to data and back again, and completely clearing the app's cache and data. I just keep getting an error that says the request is invalid. I can log in just fine on the website, so it's not me. It is absolutely frustrating knowing there is no logical reason why this should be happening.

The guy who said that the complaints here are most likely due to user error has no idea what we've all been going through. Everything was great for me too when I first activated and began using. Worked for quite a while, actually. But lately, the app goes blank and the website times out each time I try to log in. Very frustrating. And Merrick won't acknowledge there's a problem.

I see that I am NOT the only person experiencing an issue with this app. I noticed a few weeks ago, while traveling, that the app was not responding as per norm - with longer "processing time" before allowing access. And, the last few times I've tried, I"ve given up and logged in on the computer because the app WILL NOT OPEN, I uninstalled and reinstalled, and still the same thing. So, it used ot be very convenient and easy-to-use, but it is no longer. What a ridiculous inconvenience!

App says my request is invalid (the info is correct). This was after attempting to delete and reinstall 2 times because it wouldn't even let me try to login. It's very difficult to reach any customer service people (1st call tried to help but didn't quite get there, 2nd call transfered me to an hour long hold that hung up, 3rd call hung up on me while talking. 4th call was very helpful tho, give them a raise) The CARE line also didn't pick up. Maybe an email address should be made 🤔

I downloaded this app for easy access to my balance and ease of making an online payment versus calling in and going through the automated prompts. EVERY SINGLE TIME I try to login to this app, it says my username or password is incorrect. I have to reset my password every time I want to use the app. I know I'm typing it in correctly, I write it down, I double check spelling, I type it perfectly and I still get the incorrect password message. EVERY TIME. This is super frustrating. Please fix it.

I'm having an issue with my card and no one is answering the "24 hours" customer care line. I tried 2 different phone numbers and after getting past the automated menu it rings exactly once, goes silent, then hangs up.... I need to "pay as soon as possible" according to the email I got. But first I need to figure out why my last payment didn't go through! Is it so hard to at least provide an email for customer inquiries if you don't answer the damn phone!?

Its a card, interest rate is too high though! If you lowered interest rate to make it easier to pay off and boost credit score. We would use it more often. It would be more competitive and more popular. I received an email as a response to this review. Requested me to call their "Care" dept. So they could look into it. I did. They didn't look into anything. Should change the name to DON'T CARE dept. No changes except mine to the review for wasting my time. Stay away from this card if you can!

The worst credit card I have ever seen! Charges annual fees, monthly fees, high apr, and intrest on charges for any balance you have. Charges me a late fee of $45 for being 2 days late! Most places give you a few days, but not this company. I would never recommend this card to anyone and definitely would never get one for myself again. I have had mine for years but after reviewing all the fees they have charged me, I closed the account. Do not get this card, you will regret it!!

I never leave reviews but feel compelled to do so now. This bank is horrible,run as fast as you can in the opposite direction. Had an issue 2 months ago where they denied a transaction for going over the credit limit by less than $1. Then they arbitrarily hold on to your payments for 2 weeks before crediting your account. I've made 20 payments never been late, but they decided to put a hold on my payments despite the verification from the bank that they were paid. So I have to wait for 2 weeks!

The app is NEVER accurate. Don't rely on it to tell you what's due and when! I got a text msg to call about an important matter. Was told I'm late with a pmt. I went on my app again bc I thought I was losing my mind. The app was NOT telling me I was late nor that my card wasn't usable. I offered to take a screen shot and send it to the rep. I just made the minimum payment 2-3 weeks prior. Got late fee. Was told ppl have been complaining about this. Great and didn't get late fee waived!

Only use this bank of you are serious about decreasing your credit score. They immediately report an increase in credit used, even if the statement is not yet due to go out. But if you pay off the card, they will refuse to report the decreased usage. I.e. let's say you charge something for $1000. Next day it will he reported to the credit bureaus. Before the statement goes out , you pay off what you charged, so your statement zero owing, the credit bureaus will show you owe $1000. Utter scam!

Doesn't Even Open 80% of The Time I cannot get the app to open most of the time. I Uninstalled and reinstalled and still have the same issue with full battery and great cell service. When it finally did open, my password no longer worked so I had to reset it. The password is stored in my phone so I know it was correct. Once it's open, it is easy to navigate and do what needs to be done. If an app does not work, it should be corrected before it is placed out for customer use.

The app is garbage, so much you cannot do on it then what you can do with bigger companies apps. Plus, the credit company itself is horrible. I have great credit. I had their card for 4 years and 7 months. I never missed or was late on a payment. I paid my balance off and didn't use the card for a while, they dropped my credit line from $2400 to $300 without any warning, then a few months later they closed my account for inactivity. Again, no letter, email or text. Found out on Credit Karma.

You can only schedule 1 payment a day. Not very helpful if you are paying with multiple accounts. There's no reason to deny an extra payment... You'd figure merrick would like to get their money however possible. Seems to be a way to charge late fees to unsuspecting customers who are paying on their due date. Luckily, I have plenty of time to make my payment but please be aware of this scam tactic they are using.

I have trouble signing on every time. I contact customer service, they give me a temporary password, I log on. Howecer, the next time I try signing on, its the same thing. Cant log in, call customer service, change password, save password. And the next time i try logging on, SAME ISSUE. I got so frustrated today I didn't even bother customer service.

App used to work. Until my account was closed because I didn't use it enough. I found out when I NEEDED them and they weren't there. I called "customer service," was told wait is "under 1 min." 12 mins later I'm hung up on. I called back and again, wait time "under 1 min." 33 mins later I'm told it was closed permanently and I can't reopen the account, or apply without an invite. If I get transferred to accounts, it will probably be another 30+ minutes and they can't help. Joke of a credit card!

I have used the app for at least one year and have not had any problems. Once or twice I could not log in, I just removed the app and waited about 24 hours and reinstalled it. Problem solved, big deal. My payments post on time, the app is easy to use. Good credit card and good app. ! Update 7-24-22, got my new card and I love it! It's beautiful!!

Terrible company, terrible credit card. They dont have the ability to change your username, even if it's a security problem. You cant change your address inside the app. You must call. They lock you out of the app, you must call. Their app goes down, they don't let you know. You have to call, reset PW. Then, after wasting an hour on the phone, you find out that their app is down. Their tech has to be ancient. Can this financial institution safely take care of your info?