bad credit cards


	Casey Complaint: I too have had the pleasure of dealing with several Merrick Bank employees over the past two weeks. My account is paid in full. I made one payment and then made a second payment a week later. When I called to ascertain my balance, I was stymied to hear that I had zero available funds. When I spoke to a representative, I was advised that it takes 10 business days before I can utilize my card for another purchase. I indicated that I made my payments with a United States Postal Money Order which is considered ready cash and sent them via Certified Mail return receipt requested. While I have a checking account, I know that some creditors don't trust personal checks. I was then advised that Merrick had encountered problems with both personal checks and with US Postal Money Orders. I was told that the best way to make payments and to ensure that I would always have access to my card was to send my payments via Western Union or a Money Gram which I'm told would cost me $8.! 00. This is the only credit card that I know of that treats its customers in this fashion. I do not intend to maintain the card.

	MAD Complaint: I thought I sent Merrick Bank the amount I needed to send to close my account. I recently received a statement showing I had a balance of $3.00 therefore I sent a check for $3.00. Merrick Bank debited $300.00 from my checking account. Make sure to check your bank statement when writing checks to them. That is a pretty big difference.

	Anonymous Complaint_against: Merrick Bank Complaint: I received an offer from Merrick Bank for a Credit Card. I accepted the offer which was 18% interest and no fees. I did not use the card for one month, I did not receive anything from in the mail during that time. The next month I did use the card at which time I got a notice in the mail that said the wrong offer was given to me and the interest rate was increased to almost 30%!!!!!! I will pay off my balance and close this account. What Thievery!

	Patrick Complaint_against: Merrick Bank Complaint: My due date was July 5th. I called my bank and they told me that my cheque was cleared on June 28th. But still, eventhough the cheque was cleared, 10 business days (not including saturdays) are necessary to make sure the funds have been transferred. Just calculate, june28th + 10days = July10 =====»»»»» Eventhough my cheque was sent on time, I am way behind my due date and have no available funds. Merrick Bank is not a reliable system. I won't stick with them any longer.

	Paul L Murray Jr 185 Winners Circle Dr Red Lions, PA 17356 Phone: 717 244 8599 EmailAddress: pmurray73@suscom.net Complaint_against: Merrick Bank Complaint: Merrick Bank " Double Dipped, issued Chk #332 for $30.00 --withdrawn from my account 2 times

	Chuck Johnson 630 N Plaza Amigo Palm Springs Ca. Phone: XXX 219 4775 EmailAddress: alohaboy1@peoplepc.com Complaint_against: Merrick Bank Complaint: I recently made a phone payment authorizing my personal checking acccount to be debited for $81.00. My account was additionally debited $91.00. This has a signigicant impact on some one who is diabled and living on disability. This error caused several checks to be returned NSF, furthering the damage to my finances. Merrick continues to refuse to address this problem in an appropriate manner. The run around continues.

	Anonymous Complaint against: merrick bank Complaint: Merrick tried the same trick--late posting of payment--on me. I faxed them several times and finally got extra charges removed. There was a period of 22 days between the day it cleared my bank and the date they said they received it--ridiculous. Now this last month I have not received a statement, and I suppose as they had hoped, didn't notice it until a couple of weeks after. So now I will have to fight with them about that.

	gary retherford po.bx. 575 Santa Margarita EmailAddress: garylee552004@yahoo.com Complaint_against: Merrickbank Complaint: I had an account with Merrickbank/visacard for the past couple years. I had runnup my limit to the max a couple times where I choose to make payments instead of paying it off every month, and once a yr paying it off entirely. In May of this year I moved, and I notified Merrickbank of the change in address. In june i recieved a notice from Merrickbank that I needed to provide a physical address as well as mailing address which I complied with. In July I paid off my exisiting accounts with multiple agencies as I recieved the billings. In September I recieved notice from Merrickbank stating I had been late in pymnts for a period exceeding 75 days, And that there were fee's attached for that reason. When I asked how that could be, they explained that my billings had been sent to the physical address I had provided upon their request, and that they had been returned undelivered. When I explained to them that I had recently paidoff all my accounts and that I had assumed they were included in that effort, They told me it was doubtfull that I could have mistaken it being paidoff, However when I explained they hadnt sent me a bill at the correct address due to their own request for my physical address, They said it was still my fault as I should have known I owed that money to them. I repeted that I felt it wasnt my fault they changed my billing address, So I didnt feel it was proper for them to bill me extra charges and late fee's when I had always made proper payments on time before now and the fact that the ! address change was their fault, They became argumentive and flippant and basically told me I owed the money and thats the way it goes. I argued with 2 supervisiors and requested a formal complaint be filed, I also offered to pay the bill in full without the extracharges as I didnt feel it was my fault. They refused to allow me that oppertunity nor would they provide me with proper managemnet contact to register a formal complaint. I elected to close the account and requested they dismiss the late fee's and extra penalties and then I would pay the bill in full. To witt they havenot attempted to resolve the matter. They have already filed a negitive report in this matter, and now are pushing me for full payment of the latefee's etc. So I am in no hurry to resolve this matter since it seems their fault that I hadnt recieved a bill for over 2 months. They argue that it's my fault that I hadnt contacted them to complain that i hadnt recieved a billing, And I argue that it isnt my fault as I was certain I had paid all my billings as I had them all infront of me and only then realized that there was no billings from Merrickbank since June.

	Alexandra Salt Lake City, Utah 84106 EmailAddress: alserpee@hotmail.com Complaint_against: merrick bank Complaint: Lets see where do I start. I am 19 and trying to build my credit so when I received the offer in the mail I thought it would be a good way to start building credit for me. I opened the card and began using it in moderation. The 300 dollar credit limit was enough to buy me groceries when needed and what not. Well in august my card along with all my other personal information was stolen I immediately called and canceled the card and was told that I would be sent one within a week well a week came and went I had no information from the bank and I was going through all the other stolen crap when the first letter I received from Merrick was a collector bill. They began to call every hour on the hour to my house when I wasn't there. It got out of hand to the point where they were calling sunday at 8 in the morning all day long so I picked up the phone finally only to talk with a very rude lady who demanded I pay right away. I asked to speak to a supervisor and was refus! ed I hung up angry and they began to call again and again, I answered and finally set up a payment for 200.00 for that weekend. When I found out that I didn't owe that much but only 95.00 as a payment I called and asked to cancel the 200.00 debit and Gay the lady I talked to said that would be just fine and that her supervisor had canceled it. I set up one for 95.00 and was hoping things would go much smoother. Well come that weekend I looked at my bank statement only to see that They had made a debit of 95.00 and a debit of a whopping 200.00 which gave me 45 dollars in bank fees and bounced the 95.00 dollar payment and my car payment. I called my bank and they said they would send it back. I called my car payment place and they said that was fine and that they could run it again no worries. Well now this weekend I got a letter from Merrick saying I owe 295.00 plus a return charge they are again calling me on sunday and when I went to call back the machine keeps tell! ing me to try some other time. I am disgusted with merrick bank none of the other companies I have dealt with are this low. Once I am paid off I am closing this card and will tell all my friends what a poor job this company has done.

	Michael S Washington, DC 20013 EmailAddress: lancomespecial@lycos.com Complaint_against: Merrick Bank - Unsecured Credit Lines Complaint: Warning to current Merrick Bank Secured MasterCard holders - Firstly, if you are financially able, close your account--but before you close it make sure you paid the balance off via money gram this will eliminate the delay in processing the refund of your deposit. Secondly, the interest rate is too high; you may have to search but you can find bank or credit unions secured cards with lower interest's rates. Thirdly, Merrick reports to the credit bureaus that the account is a secured account which will result your current score to drop significantly i.e.: say your credit score is 619 with a credit line is $300 and you make a charge of $175 your credit score will drop to 607 (any activity using the account will have direct impact on your score) is mostly because of the type of account and how Merrick is reporting it to credit bureaus. I am currently a Merrick customer; however, after I spoke with customer service and they advised that they do not offer unsecured lines at all. Where is the opportunity to benefit or reestablish yourself the only thing Merrick offers is plastic using your own money with outlandish interest and fees. So, don't become a victim for me I have cut my card, paying my balance down and plan to close the account before December 2005.

	Concerned Card Holder Washington DC EmailAddress: lancomespecial@lycos.com Complaint_against: Merrick Bank Mastercard Complaint: DEFAULT: The Default APR for Purchases and Cash Advances may be charged as of the start of the billing cycle in which any of the following events occur: (i) you fail to pay at least the Minimum Payment due for any billing cycle within two billing cycles of when that Minimum Payment first became due; (ii) you fail to honor any other obligation (other than paying the Minimum Payment due) under the Cardholder Agreement; (iii) you die or become the subject of any insolvency or bankruptcy proceeding; (iv) you default in the performance of any of your obligations in connection with any other account you have with us; or (v) you fail to pay at least the Minimum Payment due for any billing cycle by the relevant Payment Due Date two times in any rolling (consecutive) 6 billing cycles. * The "Prime Rate" used to determine your APRs is published in the "Money Rates" table of The Wall Street Journal on the last business day of each month. Regardless of changes in the Prime Rate: your APRs will not be adjusted to a rate above 35.00%; your Purchase APR will not be adjusted to a rate below 14.70%; your Cash Advance APR will not be adjusted to a rate below 21.70%; and your Default APR for Purchases and Cash Advances will not be adjusted to a rate below 21.70%.

	JK Atlanta, GA Complaint_against: Merrick Bank Complaint: This is about the FOURTH time Merrick Bank has intentionally held my payment in order to charge me a late fee. The first 2 times I thought it was noones fault and they credited my account, then I noticed that this is the ONLY credit card I have that needs the payment sent 2 weeks before your due date in order for them to post it to your account on time. For example, I had a payment due on 11/6, I submitted my payment through my bill pay through my bacnk account. It was mailed out to Merrick Bank and cleared my bank account on 11/4-2 days BEFORE the payment was due. Merrick Bank then charged me a late fee and did not post this payment to my account until 11/13! NINE DAYS LATER! I faced them a copy of my bank statement so they could see the payment cleared my account and they told me that since they had credited late fees in the past, that they would not do it again. But what they do not seem to understand is that they credited me late fees becuase it was not my fa! ult they did not post the payment for over a week! They are HORRIBLE!!! I wish there was a way to make a formal complaint becuase apparently they do this on purpose to make more money on late fees and hope you don't notice.

	Anonymous Complaint_against: merrick bank Complaint: Merrick Bank is obviously a very unscrupulous company, as you can see from the numerous complaints against them. Here is what they did to me. Out of the blue with no late payments ect., they raised my anual fee from $3 dollars payed monthy, to $10. That's right they more than tripled it. From what I understand this is not illegal. So what is to stop them from making it a hundred dollars a month or a thousand? Stay away from these thieves, if you get an offer in the mail shred it then burn it and run.

	Joe Complaint_against: Merrick Bank Complaint: Crooked company with absolutely no respect for customers. My calls to the company were handled by extremely rude representatives. I've cancelled my card and I will advise all of my friends to do the same.

	Mr. Nice Guy San Francisco, CA Complaint_against: Merrick Bank Complaint: Unbeleivable. Because of a returned check in August (not a late payment, the payment was made on time, just an NSF check), they are holding good funds for 10 business days. Yes, they have the funds in their account. They claim it takes them 10 days to make sure they have the funds even when I did an electronic payment and they already have the funds!!!! I spoke to the corporate offices in Utah to ask if they could release the funds 48 hours earlier than the time they intended. A little more polite, but still theives. This is a case where flexibility would have earned them a very happy customers. As it is I am cutting up their card and returning it.

	anonymous Complaint_against: Merrick Bank Complaint: Their interest rates are ridiculous. They hold your payment even though it automatically comes out of your bank account. They are the worst credit card company I've ever dealt with, although the customer service reps are polite. I'm transferring my balance.

	Victoria Oregon Complaint_against: Merrick Bank Complaint: I received a notice from Merrick that I was pre-approved for a $750 limit Visa card. As I had just gone through a bankruptcy, I jumped at the chance to start rebuilding my credit. I got right on the internet and accepted the offer, and was informed my card would arrive in 7-10 days. Today I received a letter (4 days after the internet confirmation)stating that they cannot confirm my address (hello? why'd you send me a letter and how did I get it?) and that I need to send them copies of my social security card, my W-2, a pay stub, a bank statment and my driver's license. Now this smells like an identity theft scam. We have enough problems with that without offering up the info willingly. After reading all the postings on this site, I'm just going to let Merrick pound sand and find a more reputable way to mend my credit. Thanks to all for your postings ... you saved me from a BIG mistake! By the way, I checked with the Utah corporations divison and the name t! hey are using for the credit offer I received, "Merrick Bank" was a d/b/a for Merrick Bank Corporation, and they are no longer authorized to use that d/b/a as it expired without renewal.

	Anonymous Pennsylvania Complaint_against: Merrick Bank Complaint: From reading this list I can see I am not alone. Merrick bank cashed my mailed paper check electronically and I have my bank statement but they have not yet credited my account. I called and was told it takes 10 days after received for payment to post. I am not being charged a late payment fee. This was 22 days ago............... Called today, still no late payment fee they were very nice about assuring me that I would not be charged any late payment fee but could not answer me as to why on day 23 after they received and electronically cashed my check the funds are not available to me. My balance is ZERO when/if they ever credit my payment and once I have a statement with the zero balance I am closing this card. These people are just plain weird to deal with. I haven't experienced any rudeness just a real twilight zone mentality. Stay away from Merrick Bank. The offer was great $2,000.00 credit limit and $30.00 annual fee and APR under 15% but after 14 months of this payment delay I've had enough. My other card is $59.00 a year annual fee and $2,500.00 credit limit and 21% APR but I've been with them for 3 years and have never once had any issues at all. So I'll pay more to have no hassle. Also, Merrick SELLS names, addresses, and worst of all telephone numbers big time.

	D. Currie Complaint_against: I don't have a complaint, but I just want to advise Complaint: I have had a Merrick Bank Card for 2 yrs and have always paid my bills on time. I dont understand why you all are having so many problems with this company. I feel for you all; although, there is always someone unhappy with a business. I pay my bill online everymonth. This give me the advantage to look at any and all activity going on and the interest rates. I was granted an increase in my balance recently, and I have maxed out my card at least twice within the two years of having this account. Now my account is paid off in full. I just want to advise you all to pay your bills online if you have a computer; this works wonders, and once again, I am sorry that your having all these problems with Merrick Bank. Do complain through the BBB (Better Business Bureau) and your state commissioner for action. You will get results.

	mamie reeves 123 allen memorail drive milledgeville, georgia 31061 EmailAddress: reeves733@hotmail.com Complaint_against: merrick bank Complaint: I had cash post to my card that I did't not get off my card. My credit limited was $700.00, at the time they said I got $125.00 plus 25.00 cash the same day from an atm my limit on the card showed $672.00, I tried to explain to them that I had not got cash that I had called the bank and they could't not fine my card number in their system. The person that I talk to at the bank said the atm machine would not give me that cash amount or anyone else if the card was close to the limit.I talk to head of security and she said that I had to be the one that got the money. At this time the card is showing late fees and a past due amount.I have not talk to anyone about the card in about 1-month. I will pay the 672.00 that was on the card and nothing else.

	Alphahawk Complaint_against: Merrick Bank Complaint: I wish I had known of this site before I accepted my Merrick bank card. I am not sure if the holding of payments made electronicaly for 10 days is against the law or not...after all they have my money. I have been using this card quite fequently and pay fifty percent of the balnce or more and use it again to try and build my credit score. I have posted several 750 dollar payments and the first time I was told that the 1st on-line payment would take 10 days to clear and this would not happen again. Well it seems this is standard practice. When I am able to pay the balance in full I will cancel this card. I would not reccomend anyone to get a card with them.

	Elisabeth Complaint_against: Merrick Bank Complaint: An account was fraudulently opened under my name through a company called NextCard. Nextcard then went out of business (can't imagine why) and "my" account was bought by Merrick Bank. That was 4 years ago. Merrick Bank cannot supply me with any type of validation for this account. No signed applications, no signed purchase agreements and will not supply me with any statements indicating on how a $1,500.00 balance came to be. After numerous reports to the credit beauraus, police reports, FTC complaints, they still insist that I am responsible for the account. Even though it IS NOT MINE and they can provide me with no evidence to the contrary!!! Stay far, far away from this company. They are horrible.
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	Anonymous merrick bank Complaint: wow never had a problem until today I called and received a snotty service person what they need is a class action suit Mobil was fined millions for not posting in a timley manner
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	Art Las Vegas, NV 89104 EmailAddress: AStev0441@cox.net Complaint_against: Merrick Bank Visa Card Complaint: On November 27, 2006, a charge was made to card for $102.49 at a clothing store 3000 miles away. The order was shipped to some woman in the same state (NY) as the store. I disputed this charge and received paperwork back from Merrick Bank stating that the copies enclosed proved that it was a valid charge. On the papers given to me, it states that the number was hand keyed and shows the number. It is very diffulcult to read as numbers are on top of numbers (possibly on purpose?) but the last 5 digits aren't even close to mine. The expiration date doesn't match either. Naturally I paid this in order to protect my credit but I closed out my Visa account with them. I also plan to file a formal complaint with a government agency against them.
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	K. W. offering suggestions PA Complaint_against: Merrick Bank Complaint: I have also become a victim of this Co. via their hold to post and charge late fees. What they did to me was hold my payment (paid with their online services) and then I made another charge....days after the payment cleared my bank. They assessed me late fees of $30, then there was a misc. charge of $30 the next day. I called to inquire about this charge and was told it was a late fee, to which I pointed out the late fee to them, even though they clearly showed my payment as on time. It was explained to me that the reason was my payment was due, I paid late, but because 15 days passed before they recieved payment and the $30 fee they charged me made me go over my limit, I was assesed another fee. Huh?? I wasn't late? I paid on time. They told me it was explained in my copy of my account agreement? I never got one....I had called to ask informtion when I got the card, as I didn't know anything about it. When I requested a copy of the account agreement, I was told it would cost me $6.50......you've got to be kidding me....the paper it is written on isn't worth that much, and certainly not the ink or the stamp they used to print and send it. I told them that if they didn't provide this I would be calling the attorney General and reporting them, they said they would send it this one time. That's all I needed, one time.Well, needless to say I got it and it isn't on there and not to mention there is nothing about going 15 days crap...which I didn't understand but figured this pamphlet would explain, so off to calling them again.Called again and was told that there is a $30 late fee, a $45 over limit fee and a $30 charge for going 15 days without payment when over the limit fee??? What's this now I asked? Their answer that it ws in this phamphlet.....I don['t think so I explained I had one in front of me, and was told that it was the wrong one. Again I was told I would be charged for a subsequent one....what they sent me the wrong one the first time. I refused to hang up each time till I was satisfied, explaining I would call the attorney General and take care of this with the better business buearu. I got the $30 charge wiped off, and after constant arguing got the $45 charge off too, explaining to them the simples of the math, that if they had never charged me wrongfully of the $30 they would never have had to charge me the $45 then too. Once that was wiped off, I hung up, waited 2 days and called back complaing that they wiped off charges and because of wipeing the charges I never went 15 days without dealing with the overlimit fee, forcing them to remove the second $30 charge. (not that I didn't have to fight them yet again)I find this Co. to operate outside the governing laws by which they should obide. If you feel you are dealing with difficulty, by law you are allowed to dispute charges and fees, and until they are fully investigated, you are not obligated to pay for these charges and/or fees. You do however still owe them your original charges and fees properly incrued, so you still need to make your payments.I recommend anyone dealing with this situation to continue to make payments on money you owe, make a dispute in writing and send it registered letter, requesting a copy of the investigation results, the file a formal complaint with the better business buearu.It takes time and lots of complaints to get anything done through the better business buearu, plus evidence of foul play, so get copies of card and your bank statements (showing fraudulant charges and dates checks cleared the account)as they will request copies. From experience, I can tell you this works (it wasn't this co. but another that asks for banking info. so they can "verify" your information and then charge you almost $200 without your consent)Also, write to all 3 credit buearu's, adding statements to your credit accounts, that you dispute the amount of the accounts and why. Ask that this be added to your credit report, so further creditors can see what you are dealing with, it may help because Merrick bank will try to ruine your credit. It worked for me and actually got some stuff cleared from my credit report, giving me a better score.Sorry for being so long winded, but thought maybe I could help out fellow Merrick "screw everyone in their Wake" Bank.I found by doing what I did, I saved myself a lot of hassle..it only took me 3 months to totally resolve the issue and close my account sucessfully (1 month was tied up in getting the account closed...nother long story!!)
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	Jay CA EmailAddress: jamesabbottrocks@yahoo.com Complaint_against: Merrick Bank Complaint: Years ago, I opened an account with a credit card company. I moved and notified all creditors. I received a letter stating they needed more verification. I should explain that I was in my early twenties and naive about credit, so I didn't follow up. Eventually, my debt was sold to Merrick Bank. I recently made a commitment to myself to repair my credit and pay off debts. I started researching credit repair and read many books on the subject. I was amazed to see how many inaccuracies there are on my credit report. EVERYONE SHOULD CHECK THEIRS IMMEDIATELY. I contacted Merrick Bank and asked them to verify my debt. They sent a letter stating if I paid a certain amount they would forgive 70% of my debt. After weighing all the options, it seemed like a reasonable solution, so I paid them. I received a letter yesterday, from another debt collection agency, stating Merrick had sold my "forgiveness amount" to them. I was livid. I have since calmed down and now I am happy because my new commitment is to causing as much trouble, legally of course, for Merrick Bank. I'm glad you picked a fight with me Merrick Bank because I'm not the stupid consumer I once was. In fact, I get off on taking on big shots like you. I will not stop. I am dedicating my life to ruining you. You started this. Now you will pay.
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	Shirley Complaint_against: Merrick Bank Complaint: I really do not have a complaint but just wanted to say a big THANK YOU! I almost applied for a card and then I came across this site and cannot tell you how happy I am to have found it. What a huge mistake I would have made if I had applied and received a card from them.
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	Mr. Anderson South Jordon UT Complaint_against: Merrick Bank Complaint: I used to work for the bank. Yes, we had some operations issues, and we did have a team in Long Island NY that used to think of ways we could make fee income. They are a smart bunch and will live within the law as to how many days it takes to post ect, but it will always be stretched to the limit. My moral background would not allow me to work there anymore and watch the cusomers be taken advantage of. Most complaints could be handled if people knew who to contact, but the phone reps are pros at trying to defuse the caller. CMS does the servicing for Merrick Bank and the CEO of Merrick and the CEO of the Parent company both have offices in Long Island. Dave Watson and Don Berman are the contacts. Call them and your problems will get resolved.
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	nancy zears peoria ,Illinois 61604 EmailAddress: zears1@aol.com Complaint_against: merrick bank Complaint: We notfified Merrick Bank of our new change of address,three months ago and several times since then, they never have sent a statement to either me or my husband, but they call all the time, we sent them a payment and requested a statement so we could see what all they charged us, finally got one, sent to the old address and forwarded after we called them several times and notified them by phone, I was told I would have the late charges and over limit taken off,never did and then I was told several different stories by them,each person tells you something different and its ridiculous. We havent had a problem with any other place except them, which tells you something, now they claim they havent received our payment and its late again. It doesnt take as long as they say to reach them and not getting a statement is ridiculous, we dont want to pay for something we dont know what we are paying for, plus up till we moved we had never ever been late with them. The past !3 months with them hasnt been pleasant,hope everyone takes notice.
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	Joe Ohio Complaint_against: Merrick Bank Complaint: Used online bill pay service to make payment to pay card off for $61. Next day, checked my bank's online banking and found debit for $610.00! I always keep copies of my online payment receipt and it said $61! My bank wouldn't return the ACH, as they should have because it was an errornous amount, and instead charged me a $30 stop payment fee and bounced a couple of my checks, resulting in charges there as well. Merrick said my payment was submitted at $610, even though my confirmation said $61. They charged me a NSF fee when the ACH was returned, set my rate to default, charged me a late fee and an over limit fee because they closed my account after the payment per my request and the returned payment made me over my "$0" credit limit. Wow. Cost me a lot of money to payoff a $61 card.
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	rgw cleveland, ohio 44105 Complaint_against: merrick Bank Complaint: This is not a complaint, but a thank you to all the folks that made the complaints, i was recently sent an invitation to accept the merrick bank card with a 1500 credit line guarnteed. after reading all the complaints i am no longer interested in this company. I think if everyone did a back ground check on these company's things of this nature wouldn't happen to the consumer. Please folks check this companies out before you give them all your information with all the ID theft going on. PLEASE BE CAREFUL IN THE FUTURE.
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	Nan Peoria AZ Complaint_against: Merrick Bank Complaint: This is a "thank you" to those who posted a complaint on this company. I am one who also received an offer of credit of $750 and thought this would be good to help re-establish my credit. I NEVER read complaints, but something prompted me to do this. I am astounded, and exhausted, from reading the complaints on Merrick Bank. I'd rather not have a credit card than have to deal with a company that has unrealistic expectations, unprofessional people who make 'errors' using people's debit accounts, massive delays in posting payments, and on and on. I'd rather just save up my money and put it in a savings account and use a debit card. I am amazed at the complaints and the very low success rate folks had dealing with this financial institution. Is there truly nothing anyone can do? I find this hard to believe!! I also thank the ex-employee who 'blew the whistle' on training their employees to be thieves.....
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	Tonya Rice Baltimore, Maryland Complaint_against: Merrick Bank Complaint: I almost filled out the offer that came in the mail, thanks to the complaints that I have read, Merrick will not be getting my money or my business. Sorry guys, go scam someone else, but remember you reap what you sow
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	Tom Virginia Complaint_against: Merrick Bank Complaint: No real complaint against Merrick, but add my name to the list of "recieved an offer"...did a bit of background checking and oh, so sorry, Merrick; you suck like katie couric.The great thing is, they sent along a postage paid envelope. I keep these and stuff them with other "through the mail" offers and send 'em back...making THEM pick up the postage! Just make sure no personal info is on the papers you stuff....I've sent newspaper clippings, shreddings, jehovas witness info...I think I'll send merrick an ashtray full of cigarette ashes...at their expense.
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	wendy mccollum fort worth texas 76108 EmailAddress: fashioista2004@aol.com Complaint_against: merrick bank Complaint: i have had a card with them for over 8 years and i paid 2732.00 last month to pay off the entire amount (i was going through a divorce and didn't have the money to pay the entire amount off for 2 years i paid double the minimum payment instead) i found that they were charging me 32% interest and called to complain about it and was told they weren't accepting any requests for reductions on interest. five years ago i paid off this card and they cut the interest in half-i don't own any other cards with this high of interest and told them to have someone call me about it and instead they cancelled my card. if you aren't aware of this let me tell you--your fico score is greatly affected if you cancel a card you have had for some time (even if it has a zero balance) you are better off cancelling a card right away. they suck!!!
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	Ed Complaint_against: Merrick Bank Complaint: Not a complaint. Just a thank you to those of you who posted. I just received a 750.00 offer and was in the process of filling out the ap online but something just did not feel right so i decided to do a background check on the company. Thank God I came across this site and thank all of you.
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	Tom Virginia Complaint_against: Merrick Bank Complaint: No real complaint against Merrick, but add my name to the list of "recieved an offer"...did a bit of background checking and oh, so sorry, Merrick; you suck like katie couric. The great thing is, they sent along a postage paid envelope. I keep these and stuff them with other "through the mail" offers and send 'em back...making THEM pick up the postage! Just make sure no personal info is on the papers you stuff....I've sent newspaper clippings, shreddings, jehovas witness info...I think I'll send merrick an ashtray full of cigarette ashes...at their expense.
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	Anonymous Los Angeles, CA Complaint_against: Merrick Bank Complaint: I opened an account and immediately paid the $36 annual fee which they did post quickly. Two days later I get a letter of revision in my Cardholder agreement that I acknowledge that courts located in Utah would have proper jurisdiction to hear any matters related to the agreement and that I agree to service of process for any disputes "using certified mail from the US Postal Service or other courier service and herby acknowledge that the signature of any person found at your residence or other address on such mailing receipt will serve as satisfactory proof that process was served upon you..." "or other address on such mailing receipt" gives me the impression they can send the certified letter wherever they want to (including their own address) and as long as somebody at that address signs for it, no matter if you have had any affiliation with that address or not...you're screwed. I called and closed my account, now I just hope they don't try to steal my identi! ty or try to run a fake charge on the card to make me have to pay more before the account is confirmed to be closed...which I'm fully expecting at this point.