Mercury CardReviews of mercurycards.com

I have a long credit history with Mercury CC. The bank closed my acct with no communication because I chose not to use the credit line enough for them. Had they notified me it would close due to inactivity I would have used the card. My other cards notify me of this so I don't lose the credit. They also charged me an annual fee and didn't send a statement then refunded the amount before they closed it. I asked if the fee is considered activity. He said no so had I paid the 50 fee they would have closed it anyways and kept my 50? He didn't have an answer for that. His answer for many questions were "probably". He could t even actually answer a question. I won't be reapplying here with this issuing bank.

When I signed up for this it said I didn’t have an annual fee. But after I got the bill I was charged $99 annual fee. That was the whole point why I decided to get the card in first place.

Lower the rates and more cash back

I wanted to dispute 50.00 But decided the Stone Age process of having to print out and submit 5 pages Then mail isn’t worth the headache I believe that process is in place to discourage disputes

The system is outdated. I literally had to print the dispute. Versus having a representative help me. Or having the app update to make it easier to work with

Problem not resolved

Have never missed a payment, have consistently had credit score rating of good or better. However, Mercury still raised the interest rate and is now charging an annual fee.

Mercury is just another credit card provider—nothing particularly special, and not uniquely awful compared to other companies. That said, they initially promised me there would be no annual fee, but they ended up adding one over time. That’s a bullshit move.