Mercury CardReviews of mercurycards.com

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.

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******