Merrick Bank Mobile

The app overall is good but I’ve been with Merrick for going on two years now and the app 1) doesn’t allow me to add my spouse as an authorized user though they say that you can add an authorized user. And 2) this is a big one… I can’t update my income for consideration for a credit limit increase. I’ve NEVER been late on a payment and they started me out with a $600 limit which doubled to $1200 great but it’s been crickets since then. I have atremendous savings account and 3 months of all payments combined in checking. I regularly pay off my Merrick card and the only thing positive is that I pay less fees and interest. I’m buying my house outright (cash) so in a week I’ll have my two biggest assets my new suv paid cash and my house paid cash but Merrick won’t increase my credit limit. With a house, I need an emergency card with a higher limit than what Merrick has left me at for well over a year so that tells me that they don’t care about their cardholders… they don’t reward positive 100% on time payments and always pay more than the minimum. I want to stick with Merrick, I really do, but if they won’t recognize me as an excellent cardholder over a good length of time and offer me a decent credit limit increase then I’ll have to look elsewhere for a new card. It makes no sense that they aren’t promoting positive handling of my account. It’s very frustrating to be ignored by a bank I’ve done so well with and proven myself trustworthy.

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.

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.