Merrick Bank Credit Card Login, Payment, Customer Service, and More

Merrick Bank is a US-based online bank having a reputation as a top credit card issuing company in the country. It is an FDIC-insured bank having over 3 million cardholders in the country.

The company also offers several credit solutions and loans to consumers.

In today’s article, we will talk about the credit card solutions of Merrick Bank credit cards. We will discuss everything from applying for the credit card to login, payments, customer service, etc.

Merrick Bank Credit Cards

Merrick Bank offers different credit cards to consumers looking for feasible options to rebuild their credit or finance their emergency needs.

Currently, Merrick is offering the following credit cards:

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Merrick_Bank_Credit_2
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  1. Merrick Bank Credit Card(Mastercard)
  2. Merrick Secured Mastercard
  3. Merrick Classic Secured Mastercard

All Merrick Bank cards are Mastercard, meaning you get wide acceptability with whichever option you choose. The first card is an unsecured credit card, meaning no initial deposit is mandatory to apply for the card. However, the two secured cards have an initial security deposit between $200 and $3000.

All three cards differ in terms of credit line increase, usage, and condition of security deposit. However, the features of all three cards are quite similar to each other. Therefore, we will discuss the benefits you will get with Merrick Bank Mastercards. We will discuss it in the next section.

Features Of Merrick Credit Cards

All the Merrick Bank cards, irrespective of secured or unsecured, comes with the following features:

Advanced Financing Options

The main purpose of getting a credit card is to access different financing options. There will be no point in a credit card if the financing options are not good enough. Merrick Bank credit card has several advanced financing options.

Zero Fraud Liability

Merrick Bank’s credit cards come with zero fraud liability, meaning that any unauthorized charges on your credit card won’t be held liable. Therefore, you can be worry-free about shopping around without fear of losing your card or money.

Flexible Payment Options

When you utilize the credit limit of your Merrick credit card, you will get flexible payment options. It means that you can choose when and how to pay back the money. You can choose to pay money online, via check, or even on a phone call.

Free Access to Monthly FICO Scores

When you choose Merrick Bank’s credit card for you, you get additional benefits like goScore. goScore is a platform where you can get a free FICO score per month. Therefore, you get an opportunity to repair your credit score by taking the necessary actions.

Besides, Merrick Bank also reports the credit score to all their credit bureaus: Experian, Equifax, and TransUnion. So every positive change to your credit score will be updated to credit scores.

Paperless Statement Option

You can get access to your bank statements online with a single click. The ease of paperless statements makes the Merrick Bank option clutter-free, eco-friendly, and simple to use.

Free Financial Education

You will also get access to the resources and financial tools to build your credit and improve your money management skills & budgeting.

Who Can Apply For Merrick Credit Cards?

Regardless of secure or unsecured credit card, every applicant must fulfill certain requirements to proceed with credit card applications. Merrick Bank has set the minimum eligibility requirements for consumers who want to have Merrick credit cards.

There is not much information about the minimum requirements for a basic credit card. However, you should fulfill the following requirements to apply for a Merrick Bank-secured credit card:

  • A minimum security deposit is required to proceed with your application
  • Be or above at the age of majority, that is, 18 years old
  • You must have a government-issued proof of ID.
  • Verifiable Social Security Number(SSN)
  • You must have a verifiable physical address in the US
  • You can only have one Merrick credit card at a time. Therefore, you mustn’t have a secured credit card from Merrick Bank at the time of application.
  • The applicants should have no pending bankruptcy or outstanding tax obligations at the time of application.
  • Your income should be enough to fulfill the credit card bills.
  • You must meet all identity verification requirements

How To Apply For Credit Card?

If you want an unsecured credit card from Merrick Bank, you will need to have the invitation to apply at your email address. However, you can also apply to pre-qualify and check if you are eligible to apply for an unsecured credit card.

However, when you choose a secured credit card, you don’t have to rely on pre-qualification or email offer to apply for a card. Here is what you need to do to apply for your secured credit card:

  1. Visit the official website of Merrick Bank here and click on Credit Cards.
  • It will open up the page with details of all credit cards. Click on Learn More besides Merrick Bank Double Line Credit Card for unsecured cards. It will redirect you to the page where you will click on Respond to Mail Offer. For secured credit cards, click on any of the cards. It will redirect you to the new page.
  • Click on Apply Now against one of the unsecured credit cards to proceed.
  • It will redirect you to the application page, where you will fill in the empty fields. Provide your personal information(name, address, date of birth, email, contact number, etc.).
  • The next step is filling in Financial information.
  • Continue to the next step and sign the disclosure agreement of Merrick Bank.
  • Review the summary of terms, pay the security deposit, and submit the application.

Activating Your Merrick Bank Credit Card

If you get approved for your Merrick Bank credit card, you must activate it before starting to use it. You can activate your Merrick card on your phone or via the online website of Merrick Bank.

Via Website

For online activation, visit the official website of Merrick bank and create your online account. Go to the activation page and enter the card information to proceed with card activation. You will have to provide the card number, SSN, date of birth, and any other information asked. Click on Activate My Card, and you can use your card anywhere with Mastercard acceptability.

Via Phone

You will need to call on the number printed on the sticker that is pasted on the front of your Merrick credit card. The number for card activation is as follows: 1-800-204-5936. Provide your credit card number, SSN, date of birth, and any other information asked. You will be able to activate your card in a few minutes.

Mobile App

You can also activate your credit card with Merrick Bank mobile app. install the app on your phone and log in with the same credentials as you used for website activation. Go to the credit card activation section, and follow the on-screen prompts to activate your credit card.

How To Register For Online Access?

Follow the simple steps given below and register for online access to manage your Merrick Bank account:

  1. Visit the official website of Merrick here and click on Log In.
  2. It will redirect you to the login page of the bank account. However, you need to register first. Therefore, click on the “Not enrolled? Signup Now” option.
  3. It will redirect you to the registration page for the Merrick bank account. The first page will ask you to enter your credit card details, including your account number, date of birth, and social security number.
  4. Continue to the second step and create your username & password for future logins.
  5. Verify the details and complete the signup process.

Making Merrick Bank Card Payment

As already mentioned, Merrick Bank allows flexible payment options for consumers and cardholders. Here are different ways you can use to pay your Merrick Bank credit card bills:

Online

Follow these steps to pay your Merrick card bill online:

  1. Visit the website of Merrick Bank and log in to your account with the credentials created during the registration process.
  2. Go to Pay Bill and look for the option of Make One-Time Payment.
  3. Follow the on-screen prompts and instructions to complete the payment.

You can also follow the same procedure with your Merrick Bank app and pay your credit card bills.

Via Call

For payment via call, call on the following customer service number: 800 204 5936

Your call will be connected to the support agents or automated calls for payment proceedings. Follow the on-call instructions and process your payment with your bank account or debit card.

Via Mail

You can also send your checks or money orders to the mailing address of Merrick Bank, which is as follows:

Merrick Bank
PO Box 660702
Dallas, TX 75266-0702.

Merrick Bank Customer Service

Via Call

Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support:  800 204 5936

Via Mail

Alternatively, you can send your credit card-related queries to the mailing address of your Merrick Bank credit card:

Merrick Bank
PO Box 660702
Dallas, TX 75266-0702

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