How To Pay Your Merrick Credit Card Bill Online

Having a credit card from Merrick Bank comes with the responsibility of making your monthly payments on time Missing credit card payments can negatively impact your credit score and lead to late fees and increased interest rates, That’s why it’s essential to understand how to properly pay your Merrick credit card bill online or through other convenient payment options

Merrick Bank is one of the largest issuers of credit cards for consumers with less-than-perfect credit. They offer a variety of Visa and Mastercard credit cards to help people rebuild and establish their credit. Once you open a Merrick credit card, you are responsible for paying at least the minimum amount due each billing cycle

In this comprehensive guide, we’ll explain the different ways you can pay your Merrick credit card bill to avoid late payments and maintain your account in good standing.

How Merrick Credit Card Payments Work

Every month you’ll receive a statement from Merrick Bank detailing your account balance, minimum amount due, payment due date, and more. You must pay at least the minimum payment shown on your statement by the due date to avoid late fees. Of course, paying more than the minimum when possible will save on interest charges.

Your available payment options include

• Pay online through your Merrick account
• Pay by phone
• Pay by mail with check or money order
• Set up autopay through your bank account

Merrick credit card payments are typically due around the same time each month, for example the 12th or 25th. Check your statement for your specific due date.

Now let’s explore the convenient ways you can pay your Merrick credit card bill before the due date.

Pay Your Merrick Credit Card Bill Online

The fastest way to pay your credit card bill is online through the Merrick Cardholder Center. Here’s how to pay your Merrick credit card online in just a few quick steps:

1. Go to MerrickBank.com and click on “Cardholder Center”

2. Enter your Merrick Bank username and password to log in

3. Select “Make a Payment” from your account dashboard

4. Choose the amount to pay – you can pay your minimum due, total balance, or a custom amount

5. Enter your debit card, bank account, or other payment info

6. Review the payment details and confirm to complete the transaction

Once submitted, your online credit card payment will typically process in 1-2 business days. You’ll receive a payment confirmation email from Merrick for your records. Paying online lets you securely pay your bill any time of day without dealing with stamps or mailing delays.

Pay Your Merrick Credit Card Bill by Phone

In addition to the Cardholder Center, you also have the option to pay your Merrick credit card over the phone. Here are the steps to make a payment by phone:

1. Call the Merrick Customer Service number at 1-800-204-5977

2. When prompted, select the “Make a Payment” option

3. Enter your 16-digit credit card number and other verification details

4. Specify the payment amount and select a payment method

5. A representative will process your payment and provide a confirmation number

Many people appreciate the convenience of paying bills over the phone. Just make sure to call during Merrick Bank’s business hours of 7am – 10pm CT Monday through Friday, and 7am – 2pm CT on Saturdays.

Pay Your Merrick Credit Card Bill by Mail

Paying your credit card bill by physical check is also an option if you prefer not to pay electronically. Simply follow these instructions:

• Make your check or money order payable to Merrick Bank
• Include your 16-digit credit card number on the check memo line
• Mail your payment to the address listed on your monthly statement
• Send your payment at least 5-7 business days before the due date

While slower than online payments, paying by mail ensures your payment won’t be delayed if you have concerns entering card details online. Just account for the additional mailing time so your payment arrives on schedule.

Set Up Autopay for Automatic Payments

The easiest way to never miss a Merrick credit card payment is to enroll in autopay. With autopay, your monthly payment amount is automatically deducted from your bank account on the payment due date each billing cycle.

To get started using autopay for your Merrick credit card:

• Log into your Cardholder Center account
• Click on “Account Services” and select “Autopay Program”
• Choose the account you want payments withdrawn from
• Pick the payment date and payment type
• Review and submit the autopay enrollment form

With autopay, you don’t have to manually make a payment every single month. Just make sure the selected bank account has sufficient funds on the scheduled withdrawal date.

Check Payment History and Balance

Whenever you log into your Merrick Cardholder Center account online or in the mobile app, you’ll be able to view details about your payment history, current balance, recent transactions, statements, and more.

Monitoring your account frequently makes it easy to spot any fraudulent charges or billing errors. You can also confirm your most recent payment was properly applied to your account. Having access to real-time account activity allows you to stay vigilant about your credit card usage and payment status.

Avoid Late Fees and Penalties

It’s essential to pay your Merrick Bank credit card bill on time each month in order to avoid penalties like:

• Late payment fees – Currently up to $37 per late payment

• Increased APR – Your interest rate may be raised if you pay late repeatedly

• Credit score damage – Missed payments are reported to the credit bureaus and hurt your credit

• Account default – Not paying for multiple consecutive months can cause account default

Protect your credit standing and avoid unnecessary fees by carefully following the payment guidelines for your Merrick credit card. Reach out to customer service immediately if you anticipate any issues making payments on time going forward.

Get Support from Merrick’s Customer Service

Merrick Bank’s customer service team is available to support you by phone or through online chat if you have any questions or concerns about your credit card payments.

Some reasons to contact their customer support include:

• Payment issues or errors
• Questions about account statements or charges
• Need help with online or mobile app access
• Interested in special offers, credit line increases, etc.

Merrick wants to provide helpful, personalized service to account holders. Don’t hesitate to reach out by calling 1-800-204-5977 or initiating a live chat session for quick assistance.

Now that you understand the various ways to pay your monthly Merrick credit card bill, you can avoid late payments and keep your account in good standing. Pay online, by phone, by mail or use autopay for automatic convenience. Just be sure to monitor your account activity regularly and contact customer service if any issues arise. Managing your Merrick Bank credit card responsibly will help rebuild your credit so you can qualify for better financial products down the road.