Merrick Bank is a leading issuer of credit cards for people with less-than-perfect credit. If you have a Merrick Bank credit card, you can enjoy many benefits such as low-interest rates, no annual fees, free monthly FICO score, and online account management. In this article, we will show you how to access your Merrick Bank credit card account online, make payments on your card, contact customer service for assistance, and answer some common questions about Merrick Bank credit cards.
Benefits of having a Merrick Bank Credit Card
Merrick Bank credit cards are designed to help you improve your credit score and financial health. Some of the benefits of having a Merrick Bank credit card are:
- You can get approved for a credit limit of up to $3,000, depending on your credit history and income.
- You can increase your credit limit by making on-time payments and keeping your balance low.
- You can access your free monthly FICO score online or through the mobile app, and track your progress over time.
- You can enjoy low-interest rates, starting from 17.45% APR (variable), which is lower than many other subprime credit cards.
- You can avoid paying annual fees, over-limit fees, or penalty fees, as long as you follow the terms and conditions of your card agreement.
- You can manage your account online or through the mobile app, where you can view your transactions, statements, balance, due date, and payment history.
- You can make payments on your card online, by phone, by mail, or through MoneyGram or Western Union.
- You can contact customer service 24/7 by phone, email, or online chat if you need any help or have any questions about your card.
How to access your Merrick Bank Credit Card account online
To access your Merrick Bank credit card account online, you need to register for online banking first. Here are the steps to register for online banking:
- Go to the [Merrick Bank homepage] and click on “Enroll” under the “Account Login” section.
- Enter your account number, date of birth, social security number, email address, and phone number. Then create a username and password for your online account. You can also choose to receive paperless statements and alerts by email or text message.
- Review and accept the terms and conditions of online banking. Then click on “Submit” to complete your registration.
Once you have registered for online banking, you can log in to your account anytime by following these steps:
- Go to the [Merrick Bank homepage] and enter your username and password under the “Account Login” section. Then click on “Log In”.
- You will be directed to your account dashboard, where you can see your account summary, available credit, payment due date, and recent transactions.
- You can also access other features such as viewing your statements, making payments, updating your profile, changing your password, setting up alerts, and contacting customer service.
A step-by-step guide to logging in to your Merrick Bank Credit Card account
Here is a step-by-step guide to logging in to your Merrick Bank credit card account with screenshots:
- Go to the [Merrick Bank homepage] and enter your username and password under the “Account Login” section. Then click on “Log In”.
- You will be directed to your account dashboard, where you can see your account summary, available credit, payment due date, and recent transactions.
- You can also access other features such as viewing your statements, making payments, updating your profile, changing your password, setting up alerts, and contacting customer service.
Making payments on your Merrick Bank Credit Card
You can make payments on your Merrick Bank credit card in several ways:
- Online: You can make payments online through your online banking account or through the mobile app. You can choose to pay the minimum amount due, the statement balance, or any other amount. You can also schedule recurring payments or make one-time payments. To make a payment online, follow these steps:
- Log in to your online banking account or open the mobile app.
- Click on “Make a Payment” under the “Payments” tab.
- Choose the payment amount and date. Then enter your bank account information or select a saved payment method.
- Review and confirm your payment details. Then click on “Submit Payment”.
- You will receive a confirmation message and email after your payment is processed.
- By phone: You can make payments by phone using an automated system or by speaking to a customer service representative. To make a payment by phone, follow these steps:
- Call 1-800-204-5936 and follow the prompts to enter your account number and other information.
- Choose the option to make a payment and select the payment amount and date.
- Provide your bank account information or use a saved payment method.
- Confirm your payment details and complete the transaction.
- You will receive a confirmation number and email after your payment is processed.
- By mail: You can make payments by mail using a check or money order. To make a payment by mail, follow these steps:
- Write your account number on the check or money order and make it payable to Merrick Bank.
- Mail your payment along with the payment coupon from your statement to the following address: Merrick Bank P.O. Box 660702 Dallas, TX 75266-0702
- Allow at least 7 business days for your payment to reach Merrick Bank and be posted to your account.
- Through MoneyGram or Western Union: You can make payments through MoneyGram or Western Union using a cash or debit card. To make a payment through MoneyGram or Western Union, follow these steps:
- Find a [MoneyGram] or [Western Union] location near you and bring your cash or debit card, your account number, and the following information: For MoneyGram:
- Company Name: Merrick BankReceive Code: 6267
- Company Name: Merrick Bank
- City: Woodbury
- State: NY
- Fill out the form and pay the fee. Then receive a confirmation number and receipt.
- Your payment will be posted to your account within 2 business days.
- Find a [MoneyGram] or [Western Union] location near you and bring your cash or debit card, your account number, and the following information: For MoneyGram:
Contacting Merrick Bank customer service for assistance
If you need any help or have any questions about your Merrick Bank credit card, you can contact customer service in several ways:
- By phone: You can call 1-800-204-5936 to speak to a customer service representative 24/7. You can also use the automated system to check your balance, make payments, request a credit limit increase, report a lost or stolen card, or activate a new card.
- By email: You can send an email to [email protected] and expect a reply within 2 business days. You can also use the secure message center in your online banking account to send and receive messages from customer service.
- By online chat: You can chat with a customer service representative online through your online banking account or through the mobile app. You can access the chat feature by clicking on the “Chat” icon on the bottom right corner of your screen.
- By mail: You can send a letter to the following address: Merrick Bank Customer Service P.O. Box 9201 Old Bethpage, NY 11804-9001
Conclusion
Merrick Bank credit card is a great option for people who want to build or rebuild their credit. It offers many benefits such as low-interest rates, no annual fees, free monthly FICO score, and online account management. You can easily access your Merrick Bank credit card account online, make payments on your card, contact customer service for assistance, and request a credit limit increase. If you have received an invitation from Merrick Bank, you can apply for a credit card online and get an instant decision. If you have any questions or concerns about your Merrick Bank credit card, you can visit the [Merrick Bank website] or call 1-800-204-5936. Thank you for reading this article and we hope you found it helpful.
