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Q: Where can I use my Merrick Bank Visa® Classic credit card?
A: Enjoy the convenience of using your Merrick Bank Card anywhere Visa credit cards are accepted.
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Q: Can I use my Merrick Bank Visa Classic credit card to obtain cash?
A: Nationwide cash access at thousands of ATMs.
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Q: What are your hours of operation?
A: Customer Service Representatives are available 24 hours a day, seven days
a week. Our number is 877-790-5648.
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Q: What if I have had credit problems in the past?
A: Merrick Bank specializes in offering credit to individuals who have had
blemished credit. We offer a wide range of products to meet your needs.
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Q: Can the Merrick Bank Visa Classic credit card help re-establish my credit?
A: We report activity on your account to all three major credit bureaus.
Consistent reports of a positive payment history can help improve your credit rating.
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Q: Do you grant credit line increases?
A: Continue to make on-time payments and your account may be reviewed for
a credit line increase. If you have been selected to receive a credit line increase,
a notice will be provided to you on your billing statement with your the new credit
limit assignment.
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Q: What do I do if a payment is misapplied?
A: If it appears that a payment has not been posted to your account, or if
a payment has been made to your account in error, please contact our Customer Service
Department at 877-790-5648 to correct the problem.
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Q: When is my payment considered late?
A: Your payment is considered late if it is not received by the payment due
date in accordance with the instructions on your statement. To avoid late charges,
you need to mail your payment early enough so that it is received prior to your
due date.
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Q: What is the payment address?
A: Mail Payments to:
Merrick Bank
Payment Processing Center
P.O. Box 5721
Hicksville, NY 11802-5721
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Q: How do I dispute a specific merchant charge?
A: If you wish to dispute a specific merchant charge, you must notify us
in writing within 60 days of receiving the statement containing the disputed item
to preserve your rights. Your letter should be signed by you, and include the following:
- Your complete account number;
- Merchant's name;
- Merchant's location;
- Amount and date of the disputed charge;
- The date that the charge appeared on your statement;
- Whether the transaction was made in person, over the phone, or through mail order;
- The specific date on which the service was to be rendered or the merchandise was
to be delivered;
- The merchant's response to your request that they credit your account. If you have
been unable to reach the merchant, you must list the specific attempts you have
made to contact the merchant; and
- A copy of your receipt or invoice or a copy of the advertisement or other documentation
stating what service was to be provided or what merchandise was to be delivered.
If more than 60 days has elapsed since receipt of the statement containing the disputed
item, please send your letter with the requested information, and it will be reviewed
to determine our ability to assist you. A written response will be mailed to you
within 30 days of receipt of written notification of your dispute.
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Q: How can I get a copy of my credit report?
A: If you have been denied credit, you are entitled to a free credit report
within 60 days of the date on which you received notice of your denial. Under other
circumstances, you may be charged a small fee. Contact any of the major credit bureaus
listed below for additional information.
Equifax
P.O. Box 740241
1150 Lake Hearn Drive
Suite 460
Atlanta, GA 30374
800-685-1111 |
Experian
701 Experian Parkway
P.O. Box 2002
Allen, TX 75013-0036
888-397-3742 |
TransUnion
Two Baldwin Place
P.O. Box 1000
Chester, PA 19022
800-888-4213 |
Classic Visa
