Mercury CardReviews of mercurycards.com

My credit card was on autopay, but due to a layoff, my income declined, and the account I usually use for autopay did not have the funds. As soon as I realized this, I went in (the same day the payment was due, as my bank immediately notified me of the decline) and paid the credit card using a different bank account. Mercury then attempted a second payment (even though the monthly payment had been made) from the account with no funds, and of course, the payment declined. They then charged a 'returned payment fee', and when I called to get clarity (as their website is very confusing), they stated they could not stop the payment even though the card had been paid manually. I requested a refund of the fee as I had paid the card as agreed, and they refused. I told them it is unethical to charge fees when the account was paid as agreed, and that they absolutely can program their system to not pull if the payment has been made, and the service rep said nothing, would do nothing, and then I was conveniently disconnected while waiting for a supervisor.

Horrific non-user friendly website that makes it difficult to download transactions, manage payment accounts, etc. Website must have been someone's junior high coding project.

This is the worst most fraudulent company credit card company I have ever dealt with.. First they charged more than what I agreed to I made a transaction for $1590 when I looked at my transactions on the app it showed $1629.75 so I called as that is not the amount that I agreed to they told me it had to have been the other merchant. Once I went to the other merchant and then sent Mercury proof that it was them and not the other merchant they still haven’t fixed it this was four months ago, March 1st 2025, I was told by a manager they understood what I was trying to explain. They seen the proof that I had faxed in and she said she will explain to the dispute department and call me back to finally have this resolved. I never received any kind of calls back. They have just ghosted me since April. Now today I was charged interest on a balance that I paid off in full (actually more) than what the statement balance was June 4th I got a statement with the total balance (statement balance) of $1748.01 due July 1st. On June 23rd I made a payment for $2328.53 and another payment of $168.89 on June 25th and now on July 4 they charged me $25.39 interest how are they charging interest on something that was paid in full and way over the statement balance they asked for (I just paid the full balance not statement balance) Interest does not get charged if you pay off the full credit card in full before the due date. This is a fraudulent company and you have to keep watching all your transactions or they will rip you off. And I am going to post this on every social media platform ever made including Reddit, Google ect….said she would call me back. They never called me back. I think they are just trying to get me to forget about it.

I got a pocket for the credit cards. I try to use this Mercury card. I was OK for the first two years and then all of a sudden this fraud department stepped in. You know the one the one that protects us the one that we have to call every time our card is rejected and we’re embarrassed by it. We call the fraud department. They promised us that they’ll release all restrictions but that is a lie. This is a predatory business. I’ve spent three weeks dealing with this fraud garbage I carry a billfold full of cards. They’re the only credit card out there is done this to me, but it’s not only me look at their reviews folks they’re in a one bracket why would anybody wanna use this credit card and be subjected to this fraud department madness, the fraud department wins. I threw my card in the trashcan the fraud department One look at their reviews folks before you apply for this card. You’ll probably give me some kind of really lame excuse here it’s gonna be pretty entertaining. They have a good card right up until the fraud department starts messing with you and you can be assured of it. Total embarrassment trying to use this card. I couldn’t even get a cup of coffee from McDonald’s like that that is what the fraud department dies and they’re gonna tell you that we’re protecting you seriously I’m almost 70 years old. They can take lessons from Citi card cities offers a great card and good rates and not one time is my card been rejected not one time when you call Mercury they ask you all this BS verification clearance and I got news form I can get in my brokerage account which is two questions so what is Mercury card? Think they are asking a dozen security questions just so they can talk to you. This company is a train wreck total train wreck and anybody that gets a card from them knowing these reviews are in the one bracket you deserve every single thing you’re gonna get so enjoy the ride i’m asking for the date of this experience expands over two weeks two weeks. I’m on the phone every single day of these folks and they win they successfully ruined my relationship with this company. Look at their reviews. FolksEnough said.

Mercury froze my account after someone hacked it. My card wasn't lost or stolen. Someone hacked the mercury site. They never took responsibility and froze my account. I haven't used the card in the past three years, and I have been paying account on time. Now, I can't even access my account online. They locked me out of my own account. I have to call and talk to three people just to make a payment. Ridiculous!! They say they are investigating. It's been 3 years!

I've had a mercury credit card since 2022. I've never missed a payment. I made a large payment to a zero balance and the payment cleared both banks. I noticed my available amount was still $50 after 4 days and I called customer service as to why. They told me it takes 7 to 10 business days to update the available balance then proceeded to tell me it would be available in 12 days. I closed that account fast. I like a bank with better transparency. Theres no reason to hold an adj to a persons account from a Wells Fargo electronic payment for 12 days.

Worse card ever. As soon as I pay if off, and mind you, I'm never late on my monthly payments, I will cancel it. I called customer service to ask why I'm being charged $80.12 per month on the card for "interest charged purchases" when I haven't used the card in several months. I was told that regardless if I use it or not, I will be charged since that was part of their agreement. Never again!

My payment was due 5/7/2025 todays date is 5/28/2025 I got out rehab 5/19/2025 due to a violent attack that landed me in hospital and rehab afterwards. This is my 1st payment I have ever missed I called Mercury myself 5/19/2025 to let them know whats going on with me and I have no income now filed for disability due to I will not be able to work again because of my injuries. I was able to make payment arrangements beginning 6/7/2025 with me knowing I will not be able to use card during this time no problem I just wanted to pay my stuff.. why mercury workers calling my phone 3/4 times a day harassing I called Mercury this morning 5/28/2025 how can you all be harassing me for payment and 30 days has not came and I meant what I said I’m not tolerating the abuse nor harassment when I have set up everything with someone from your company if the harassment continues I will not make payments so the guy said I’m taking off call list … Mercury Credit I will not tolerate disrespect I have been through enough and I’m not in no mood for your bullying tactics