Mercury CardReviews of mercurycards.com

Bad business. I fell in to hard times last year just like many other people. I had two kids hospitalized for serious health conditions (bone marrow transplant and another coming out of remission and having a new baby.) I had to take unpaid FMLA. I NEVER, EVER paid Mercury late I did have to almost max it out aside from about 500 but isn’t that my right at the rate I signed up with????. Went through ALL of my savings. Even though I have paperless communication on I randomly received a letter that I might not even have opened stating that they were moving my Mercury card acct to a 35.99 % interest rate and charging me a 99.00 a year fee. By June 11th Due to the fact that my credit score had dropped to subpar. I could refuse this and close my acct so long as I kept paying and called to deny the new terms. I’ve recently went back to work and I will be on track again to earn my usual respectable income. But catching back up takes time especially if not a single bill has been late from any company in the last 3 years. I would go hungry just to pay on time (Spouse died in 2021 and I had a bankruptcy) when I called to close my acct and deny what Mercury bank was about to do to me. Just by sheer luck opened the deadline letter…. Their scripted verbatim phone response was so insulting!!! “Thank you for being a valued mercury card holder and to get you to stay and accept the new terms we will give you a one time courtesy payment of 50.00, which will cover half of the yearly fee one time that we will be charging immediately lol 😂 I couldn’t even hold back my maniacal laughing, because these companies must think we are desperate and stupid. I will tell everyone that I ever meet when discussing credit how dirty this bank is. Kicking people when they are down trapping them in debt. Smh humanity doesn’t exist in corporations or private entities… but let’s just all keep ignoring the obvious. Screw you Mercury Card. I’ll have you paid off as soon as possible so that you don’t get anymore money from me then you should. VERY ANGRY CONSUMER

If I could give it zero stars I would. First off they have the worst online site I have ever seen. There is absolutely NO way to see when a payment was made. There is NO way to email them, and there is NO way to chat. I also asked for a one time fee waiver since I have never ever been late and they flat out told me NO. Cards like Amex, Bank of America, Discover all gave me a fee waiver because that month I wound up in the hospital and was just one day late. This company did not, I cannot wait to pay them off and adios. I do NOT recommend them at all.

Spent over an hour on the phone with one gentleman that told me that I could pay a settlement using my bank account call the next day and they told me I could not. Cannot understand the first person I talk to. As he read my rights to me. I had them on a piece of paper and he mispronounced many of the words. Very sketchy please do not get this credit card.

If I could rate it negative I certainly would. I have had this card for a year $3500 credit limit never carried a balance. Charged $2,800 to it to pay for parts online paid the bill the following week via ACH like always and they didn’t bother to reflect my available credit to $3500 for almost 3 weeks. Call and inquire what’s going on and got some clown on the phone who barely knew English and gave me some song and dance for 15 minutes. I cancelled my card and now they keep begging me to come back.

They froze my card because I changed my phone number back on February, they never notified me. When I attempted to purchase something, I looked like a clown. I get notifications and I can still access the account, I kept paying my card, so I never noticed. Horrible company. I called them on May 8th to get it fixed, I then tried following up with them on May 28th, it’s still frozen. Incompetent. I even gave them my SSN information and secret answers, it is still frozen.

After being a customer for years .not missing a payment.uped my interest to 36.and going to charge yearly fee of 150.i closed account.just don't see why company's need to put people in more debt .

Terrible. I was approved for a $4000 credit limit. They sent me the card. Could never use it. They sent a letter requesting drivers license, social security card, utility bills etc. provided everything. No response. Then they decided to close account and put a fraudulent note on my credit report that I requested to close the account. Probably a good thing, because I cannot find any good reviews about this company anywhere.

As a loyal customer of over five years, I have always made my payments on time and never missed a deadline. Despite maintaining healthy balances and frequently paying them off in full, I was shocked to discover that my interest rate was suddenly hiked to 32% and a $99 annual fee was imposed. This is an incredibly disappointing way to treat a long-term, reliable customer. Consequently, I rejected their new terms and closed my account.