Mercury CardReviews of mercurycards.com

If you are new to Mercury cards (less than 6 months) "DO NOT" change/update any information or the fraud department will place a hold on the card without notifying you. I called customer service (F) to notified them of a phone number change. After verifying who I was and answering all information asked including questions which only I would know. The customer service rep stated all information was verified and I could use my card, FALSE!! Upon trying to use my card, it was declined. I called and spoke to customer service rep and a supervisor of the fraud department again verifying all questions asked and was told my card was on hold in the fraud department because of a change of phone number. It was related upon the fraud department verifying the change in phone number, the hold would be lifted in 7-10 business days due to the account being a new account. I was told since the code could not be verified which was sent to the old number (although I stated the old number) it was nothing they could do until it was investigated. What is a disappointment about the situation, is how is the fraud department going to investigate if the change is fraudulent? By sending another code to the old number without success or contacting me with me providing the same exact information given to the rep and supervisor. Since the fraud department believes there's fraud ongoing with the account, why didn't they contact me at the time it "APPEARED" fraudulent instead of being embarrassed upon being declined at the time of purchase. Calling and verifying all information asked by the rep and supervisor was worthless in trying to release the hold on my account. It doesn't pay to be honest!! Please don't change anything on your account with Mercury, it's not worth the hassle. If Mercury can't contact you so be it.

I haven't even used it, but I've been trying to close it for 2 months now. the first time I paid a fee and asked if I had paid everything and closed the card and they told me that I had. after almost two months there is some interest of $1.50 so now I paid that too and she told me again that everything was cleared and that it was closed. since they lied once, I believe they will again. I will never take this card again

They have held my payment since March 17 2026. Then, my statement does not reflect the the payment (3100), charged me interest on the whole amount and then easy pay pulled out their version of a payment 2 weeks early. Do not trust these people or this card.

This has been, by far, the worst experience I have ever had with a financial institution. My credit is excellent. My credit card was originally issued by another company. Since First Bank and Trust took over the account, it has been a complete nightmare. My interest rate jumped from 13% to 36%, even though we have never been late with a payment. We had an $8,700 credit limit and, in February 2026, paid the account off in full. However, the company did not recognize our payment because it was made from our home equity line of credit. They held the check and did not cash it, saying they had to investigate to confirm we were the rightful owners of the account. To avoid a late payment, we made a minimum payment. The company eventually accepted the payment in full, but then locked our account, claiming it was due to fraudulent activity. The payment was made on February 2, 2026. Since then, I have been unable to access the mobile app, website, or even get through the phone system. Every time I call, I am transferred to a representative who apologizes and says they are investigating activity on the account. I am repeatedly told that the hold on my account will be released within 7 days, but this has been the case since February 6, 2026. We cannot even close the account while the fraud hold is in place. To be clear, there were never any fraudulent charges—just our payment in full, which inexplicably triggered a fraud investigation. We owe nothing on this card, have an $8,700 credit limit, but can’t use it or even close it. This has been a nightmare for almost 2 full months now. BE AWARE!!! Given these circumstances, I am filing a formal complaint with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission, and the Office of the Comptroller of the Currency. I am also considering contacting the Attorney General. In my opinion, this company's actions are unethical and potentially fraudulent.

Paid my dues every month, went to use my card again and it was over the limit because they decided to charge an annual fee of 150$ and raised my interest rate as well. Called, told them I'd never sign up for a card with an annual fee or the exhortbante rate of 33 or 36% fee that they also raised. Said I'm not paying that, go back to my original terms and I'll pay as usual. Customer service from India or wherever I couldn't even understand half of their dialect. So..they call 4 or 5 times a day. Every day. Relentless. This has been going on for over 2 montha. I went online and decided to take a settlement. Now after reading all these other comments of similar situations, I'm going to, as we all of should report this to the Ccc, bbb.

This was a great card until I paid my final balance. What this means is that the card was closed, I paid my balance in full and then was told by their App that I had a minimum payment due. When I called a representative said, well you will have to wait for our system to update in 30 days. When I asked to be connected to a supervisor, they refused. When I explained that I wanted confirmation from a second party, they refused. Normally, this would have all of the hallmarks of a scam. Stay away!!!

Took 10 days to post my payment. Just to incur interest. Absolutely unacceptable! Closed!

The company offer me a card with no annual fee and high credit limit. I been with this company 3 years never been late always paid 3x the minimum amount due. I had 3 other credit cards that my usage went up a little. I have not been late on any of those cards. I get a letter from this company they rise my interest rate and added a annual fee because of my usage on my other cards . Nothing to do with them . They just penalize me for it , making it harder for me to pay them off. It is like they will try to trap you. I paid them off in 4 months completely then they reduced my credit amount. Do not get this card they pry on the needy and people who are trying to improve their life situation and then do a bait and switch on you. This is the worse credit card company I have ever used and ,if you close your account it will lower your credit score some they put you in a bad situation. I will close my account anyway and will ride it out. I only gave them a one star , because the customer service are pretty decent, I am sure they don't make the decision for this company.