Mercury CardReviews of mercurycards.com

BEWARE! SCAM! I was approved for 5k credit, received the card & then the alleged verification process began. I submitted copies of ss card, drivers license, & utility bill. Waited 2 mths to only have my account closed.

****WARNING*** Dear Fellow Neighbors/Consumers, I would like to take this time to share my experiences with Mercury Credit Card Services, in hopes to help others that may have, or will go through similar experiences that I am going through. I had received a refund from a merchant in the amount of $3508.17, Instead of crediting that amount back to my credit card, Mercury over charged my credit card for that amount, which then put the card over the limit, accumulating higher interest, and fees. Today is Saturday, March 21st 2026, I have been calling Mercury card services since 12/19/2025, in the attempt to resolve this issue, to no avail. Customer service, Dispute dept, and supervisors, all have not been supportive, or helpful. Infact they all seemed unaware and in denial of the refund, even after I submitted several documents that support my concerns, claims, and shows the refund amount that was submitted back to the credit by the merchant. They still refuse to acknowledge the refund, and continue to keep the $3508.17 as a charge to the credit card rather a refund/ credit on my behalf. Now my credit with them, sets at a higher monthly minimum payment, with higher fees, and interests charges. Be very carful when dealing with this credit card company. After doing some investigations, and research, it seems that this company has a history of similar activities such as this in the attempt to scam consumers/ customers out of money. Do your research, I wish I did before putting my financial trust in Mercury Credit Card Services. If you unfortunately find yourself in this situation as I have, PLEASE do not try to take on this big corporation alone get help, reach out to the Department of Consumers Affairs, or the FDIC for help. *******WARNING******

I used to love my mercury card, until they were “sold” out. They now overcharge for payments, accuse you of being late in payments(auto pay on) and interest charges are higher than in most car payments, monthly. I can’t wait to get my card paid down to $0. I will never use Mercury or trust them again. So much for an institution you think you can trust. The BBB needs to look into how they are taking advantage of their customers. I think they would find some fraudulent activities going on.

I do NOT recommend this card. High interest and when I had a dispute they were useless. Months of phone calls and faxes and they would ask me for nonsensical proof that even the reps didn't understand. I will NEVER use this card again.

Let me tell you I had got the information from Experian advising me that I was pre-approved for the Mercury credit card I had applied they gave me a $2,750 credit limit which is fine I received the card and I downloaded the app and I went on to activate the card it gave me some error I received the letter also in the mail that same day when I received the card about supplying documents to the company which was very odd and crazy if you approved me why do I need to supply my driver's license a bill and Social Security card which is fine I uploaded it to upload Mercury card.com and I call the customer service number they advised me it takes 7 to 10 business days for them to give you an answer I said what in the world type of card is this that you don't give an available credit on the card after activate I turned around and told them don't worry cancel the card I don't want the card no more I've never experienced this before and I will not experience it or deal with it so I suggest the people don't waste your time don't apply because Mercury credit card is on some bull crap playing games with consumer

After paying balance in full by due date 10k I I was still charge 195 interest on following month on a zero balance

Worse card ever ! They will target you if in need , 3.5 years never late payment then , $150 annual fee from 0, rate raised to 36% !.. This should be Criminal you will never get out of it if your low on funds. You run the card up lowers your credit so you will be stuck , stars lined up I was able to get 18% rate balance transfer , happiest day ever cause I was close to just not paying it out of principle , I’m finally Zero balance card holder and will cancel card at my convenience, never to use this company again , STAY AWAY!

I was approved for a $2500 limit card. The card arrived activated it and was declined on the first purchase when on line in showed $2500 available. I called and they said I needed to send a drivers license color copy. Utility bill, Phone bill, and ss card copy. All for my protection. Mean while I have 15 other cards and never did this before. Were is this information going?? Why don't they say this before they waste your time. Predator bank.