# embeddings_queue

created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4830da8e405b4d1891ea7ff274a425e5
encoding: FLOAT32
metadata:
{"chroma:document": "I am not a fan, Merrick. You got my information because my student loan was handed over to you and you have the audacity to mail me a terrible, scammy credit card with all sorts of self important wording on the envelope. I am already tens of thousands of dollars in debt to you, and you still want to extract more money from me. And on top of that, you don't even have the decency to set up a customer service email address. I do not have a phone because I am tens of thousands of dollars in debt to you, so instead I need to post on this website to complain. Not a fan Merrick, not a fan."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 017a4a3d78024767b7ef73aef6327b9a
encoding: FLOAT32
metadata:
{"chroma:document": "These idiots don\u2019t even know who they are loaning money to. Everyone should borrow money from them and not pay it back because they will bill somebody else. I know, they have turned me over to a collection agency and I never heard of them before."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 543185db99f746b9a1a4e41f61c5dd52
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick has been extremely positive. Their online payment system makes it super easy to pay my credit card and most important they are not intrusive like many other card services can be. Their customer service is helpful and they don\u2019t outsource their care."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e1780632b904ae2a455e45774e64513
encoding: FLOAT32
metadata:
{"chroma:document": "Not a bad card at all. Just make sure you make your payments on time and everything is ok. They always give you a credit increase after few months long as payments are on time... Definitely helped me raise my credit and gave me a chance at a credit card when no other card would approve me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 29d17eac86544b0c8fae6f17f9179ea6
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a Merrick Bank credit card for over two years now. It started with a $700 credit limit when I first got it and I have had regular increases in my limits to now be up to $1900. The card is great. I can check my balances and make payments online and set up regular recurring payments so that I never get charged a late fee. I originally got the card when I had not so great credit. Since then not only have I had the regular credit increases, I\u2019ve qualified to buy a house, and continued to use my card wisely. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab2c1e90fcba47ccb604de0cbac91f5f
encoding: FLOAT32
metadata:
{"chroma:document": "I think it's a good card so far except for the activation fees are ridiculous but I think it would be hopefully a good card. It's been good to me so far and I think giving people 500 credit men taking part of that but these you should give him a little more credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 61f76517ecd34540ac449e13b134a475
encoding: FLOAT32
metadata:
{"chroma:document": "I love my Merrick credit card. I have no complaints. I pay everything on time. And I have had zero issues with my card. Merrick raises my credit every few months because I always pay on time and I Love that! Thank you Merrick."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc2bb6642dfe4e9a86412219cffcff46
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a satisfied Merrick card holder since 2014. I have had nothing but positive experiences with the service I have received. Whenever I have a problem Customer service is always very courteous and helpful. They listen to my issue and are very helpful and committed to getting it resolved. I get fraud alerts whenever they suspect suspicious activity which gives me peace of mind. They also give periodic credit line increases which is also great. I would definitely recommend Merrick to anyone looking to open a credit card account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d2ec2070df3b44f08bac2d8bb65b4025
encoding: FLOAT32
metadata:
{"chroma:document": "For years I used cash only and had no credit. I was fortunate to find Merrick Bank almost a decade ago. They have consistently served my needs while building my credit. I would highly recommend them to anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b77c7695fddb41d498ba468d6f759be1
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank extended credit to me during a time of need, I have been faithful in making payments toward my account, as a result I have been extended credit beyond the original allowance two additional times, this showed me that they have confidence in helping me to receive earned benefits. I am thankful for the way in which they are doing business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3f6993e146184d7ba9adc6bd4bd88cc3
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank was extremely instrumental in helping me to rebuild my credit following a divorce. With timely payments, often in excess of the minimum due, my credit line was consistently increased. They did NOT charge outrageous annual fees which I found was a condition of many other credit cards I received. I have always found their representatives to be friendly and helpful. My credit score steadily increased and I found it very convenient to be able to monitor my Transunion score right on the website. Overall my experience has been very positive. Rebuilding credit is a process that requires responsible account management and patience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1081ba34f012408386ce0e32aff3e1fb
encoding: FLOAT32
metadata:
{"chroma:document": "So I had this card, got divorced and couldn't pay my credit card bills. Instead of filing bankruptcy I did credit counseling and paid them off thru them. Well that was over 8 years ago and recently I applied for a loan and got turned down because one of my accounts (Merrick is only 1 left on there) reported my account in debt consolidation. I have asked Experian to remove this account for the second time now and if it doesn't get removed next step will be Better Business Bureau. This is ridiculous. I paid my debt to them and they're going to flag my credit forever. Don't trust them. They charge to much interest anyway. I have excellent credit now however this is not the end until this gets resolved."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ca5c4aca67b44e39e5d61b634f7260d
encoding: FLOAT32
metadata:
{"chroma:document": "I've had a Merrick credit card for only 1 year. I had only used it in the beginning and paid it off right away. They did double my credit line in 5 months. So that was great. I have several other credit and try to keep my balances low. I use them only when I need them. I just received a very short letter stating that they are closing my card due to inactivity. I thought I was only able to close the account unless it was in default, which is not the case. I am very confused."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 13c7431e34eb4555b0eeff6967275cff
encoding: FLOAT32
metadata:
{"chroma:document": "I refinanced my home to pay off my credit cards, which Merrick was one. All the other cards posted within 7 days. When I called Merrick I was told it takes 7 to 10 days to post. On day 10 I was told it takes 10 to 14 days. They charge interest daily and really milk you out for every penny they can."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a93038a75914e49a16e914771b8d4c3
encoding: FLOAT32
metadata:
{"chroma:document": "This is not a good company. I received a application in the mail from Merrick Bank saying I was pre-approved for a credit card. They had already seen my credit and made decision to send me an application. I was not approved online. I thought this was STUPID because who sends a pre-approved application and not approve the person with the certificate pre-approved information. Does not make any sense to me. I called customer service and she didn't know anything. She gave me the address Merrick bank credit card or call back on Monday. She sounded like she was a new customer service rep."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 61d29e551b804a4c91489bd13df83a95
encoding: FLOAT32
metadata:
{"chroma:document": "I was a Merrick Bank customer for several years. NEVER late on a payment, NEVER missed a payment, NEVER failed to pay at least the minimum amount due, and 99% of the time paid more than the minimum, usually rounding it up to the next hundred. Never had any issues. I paid my account off in full last September 2017, and due to having received a Discover IT card, hadn't been using the Merrick Card. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 133bc4f2ed8f4c0b92730c919dd56ba2
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank was one of my first cards I applied for after my divorce. At the time, I had little to no credit. I was approved and worked diligently towards building my credit. They were the first creditor to increase my limits. They are easy to work with and have friendly and helpful staff. I look forward to remaining a loyal customer for years to come."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e312a970ef64dd39356b1a63426a82a
encoding: FLOAT32
metadata:
{"chroma:document": "What I like about this company was the representative that answered the call. Very polite and helpful. I don\u2019t wait for long to get someone to talk to me. Few questions from the computer and I am talking to real person. We don\u2019t have Merrick Bank in my area. I wish we do."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8aa5ff36a61f45ac9993bd39b7545194
encoding: FLOAT32
metadata:
{"chroma:document": "I have many credit cards and honestly think this one is my favorite. The interest rate is a little higher, but the way they have it set up makes paying and viewing your bill simple. I can pay my bill the day after a charge and do not have to wait for 30 days or until processing. I prefer to keep my card low, but show activity so paying it within a few days of use is what I like. Many other cards do not allow you to pay days after a charge or you are unable to make multiple payments per month. Merrick Bank is easy to work with and fair. I\u2019ve received multiple credit line increases and am notified by a simple email and have electronic bills. Perfect card for beginners, too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62dec4d9b9d14963a9d7c5eb475c4a70
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a Merrick Credit card for about 2 years and there's no way to request a credit line increase. No late payments and have always paid hundreds more than minimum due. I have $90,000 in a line of credit account and can only spend it with checks or my credit cards. I love my Merrick card but they are missing out on large profits as I am forced to use my other cards. I will provide a copy of my bank statement if it will get me a credit line increase. I am forced to apply for other cards to meet my credit needs as I am remodeling my home."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3982b0e93b1d4ac8b43f2f88894a1f9a
encoding: FLOAT32
metadata:
{"chroma:document": "We needed a card to re-establish credit with, and Merrick was perfect. They provided credit score info, were easy to work with in terms of online payments, and increased our credit over time. Have recommended to others."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11d981792cf7478da8d62a353ee6a76d
encoding: FLOAT32
metadata:
{"chroma:document": "I would recommend Merrick Bank. I love that you are able to make payments online in many different ways, not just with a checking account. Your limits will increase when you pay on time with no charge."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 143be5234b574bcaba88ae1cc3a5576f
encoding: FLOAT32
metadata:
{"chroma:document": "After our bankruptcy, we were so concerned about obtaining credit again. Merrick took a chance on us and we have been perfect with our payment history. They even increased our limit three times! Thank you Merrick for giving us the chance to prove ourselves worthy."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 31787a5ce05d48b999f10df2474c75b0
encoding: FLOAT32
metadata:
{"chroma:document": "So far I am extremely pleased with all dealings with Merrick Bank! While I do have cards with other banks, this has become my favorite to use, as customer service is excellent, and they have been appreciative of my business!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b33196debc1c4daab8b8dd48afe69f7e
encoding: FLOAT32
metadata:
{"chroma:document": "I have had only good results with you. Only one problem, I have recently had changes in my insurance... now $650 a month deductible. I had surgery in May with follow up visits. Prior to this, ALL medical was covered. Because I receive $20 more a month on SSDI, I now have $650 mo deductible. This has caused many problems... Aug 14th I lost sight in my left eye... and have now gone to 4 eye doctors in an attempt to find the problem. Now I understand that is not your problem.  But just wanted to explain, I am short on cash. I had set up auto payment, but had to cancel because I didnt have the funds. I called to see if I could set up auto pmt for 10-4-18 for $100 to avoid a late payment penalty, but was told they dont do that. So... my payment is late and I HATE that. I have not missed a payment so that might be something to consider..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cda390353b434703bc69a3637abb332f
encoding: FLOAT32
metadata:
{"chroma:document": "While the interest rates can be cringe-worthy after the 1st year, Merrick is not a bad way to rebuild from a devastating financial disaster. I would recommend once you have rebuilt yourself to find better and cheaper alternatives."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fffdb1b3fc784559a4bcc368ed2f2ce1
encoding: FLOAT32
metadata:
{"chroma:document": "I have had my problems with paying the bill online at times because I've had trouble getting in the bank site, so I can pay my bill. Since I'm pretty bad on a computer anyway, I get really disgusted with myself for not knowing how or what to do. I give up and that cost me money cause it makes me late on my payment. I think the bank thinks I don't pay my bill on time because I don't want to. 99.9% is what I wrote above that. 1% happens but it isn't normal, but anyway lately I seem to be getting in a little easier. Now that I said next time I go to pay it, it will probably be a pain in the neck again. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 83d93943f5a64ddf8222fddae7b6d4f5
encoding: FLOAT32
metadata:
{"chroma:document": "I made a payment twice on my account. The payment shows in your record as pending from the same account I have used in the past. Yes was I able to charge on my card. I asked that the hold be removed, but your rep refused. I was unable to use my card for a transaction of $20 even though I had a balance of over $500 on my account. I asked for a supervisor but the rep told me none was available."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53b2b1154fc94e38a0878ee5140c0ac2
encoding: FLOAT32
metadata:
{"chroma:document": "I was offered a Merrick Bank Visa shortly after we had completed a chapter 13 bankruptcy. A relatively small credit line with promise to double it in 7 months if I was responsible. It had been 4+ years since we had credit, and they offered a card with no annual fee and a grace period. That made me feel like I was worthy again for credit! I accepted, and in the 3 yrs we have had the card, our credit rating has increased as has our credit limit. I have only paid interest twice, as I pay the balance off each month. Always early or on time. Thanks Merrick Bank for the \"2nd chance\". We have learned from our financial struggles from 2007 to 2014 how to use credit responsibly!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec75df664a0f4f63abd27ba327d03a12
encoding: FLOAT32
metadata:
{"chroma:document": "Satisfied, except for monthly fees. I have been a customer for years and I think Merrick bank should consider removing these charges based on experience with customers. I always pay on time and never go over the limit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 15189aa2104647e18faeea159f6286c7
encoding: FLOAT32
metadata:
{"chroma:document": "I had two fraud charges post to my account. When I noticed the charges on my August 2018 statement, I called to report the fraud. I was told the charges would be investigated, no payment would be required on the disputed charges, the charges would \"suspended\" pending the investigation, and a new card would be issued. Several weeks later I received my new card. My September 2018 statement cycled and the charges were still showing in the balance with a minimum payments requirement. I called back to Merrick Bank today to inquire why. The rep told me I was still responsible for the charges until such time as the investigation was completed. What a joke. The \"rude service reps\" are an even further stain on this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ec2f28a95094a39b446bccd9ba4862f
encoding: FLOAT32
metadata:
{"chroma:document": "I just got off the phone with a Merrick Bank credit card services representative and a supervisor and I am livid. Over the last 2 days, Citibank, Chase and Capital One all have taken my request to lower my APR and raise my credit line. Merrick Bank will do neither as they do not allow customers to ask for an increase and they will never lower an existing APR according to the supervisor. I have had my card for three years with 100% on time payments. Since I am not appreciated at MERRICK BANK, I will no longer use my card and pay down 95% of its balance by year's end. I am extremely disappointed and will not recommend anyone doing business with MERRICK BANK and it 27% - 32% rates. Definitely sharing to my network and asking them to share as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8221917ce77a4fa7a12feb3659ed8814
encoding: FLOAT32
metadata:
{"chroma:document": "I had a zero balance and hadn't used the card in over a year because I kept it for emergencies only. Well, they dropped my limit from $2200 to $300 without notice and then promptly sent me a letter stating that my account would be closed in 30 days for non-use and even if I used the card now nothing would change this. Very unprofessional company. If you have other options, you'd be wise to go elsewhere."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb0f1497ebf64c93a45ef5bbf513bde5
encoding: FLOAT32
metadata:
{"chroma:document": "I'm very happy in my dealings with Merrick Bank. I am in the process of rebuilding my credit & they took a chance on me. What they said they would do, they have & I've had no problems with them at all! Was scared to deal with any credit card people but am glad I decided on Merrick!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae87a25ab9934d24af0feb4ba3d6e5a6
encoding: FLOAT32
metadata:
{"chroma:document": "You are the greatest I've heard of in many years. Two hours after midnight at 2:00 AM the day after my seven monthly payments, the balance increased just as you said it would. Thanks to all of your staff. God bless all of you!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 00d750bf354240cebc00f82c98f34ed7
encoding: FLOAT32
metadata:
{"chroma:document": "My Merrick Experience, as I call it, has be awing. When learning of a credit card that can help rebuild credit and increase the credit limit with on-time payments. It's like being rewarded for being responsible. It has been great having this card. I have recommended to several in similar situations. Thanks Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 77f96112ee9a4a51a17107b2cee153c9
encoding: FLOAT32
metadata:
{"chroma:document": "I am satisfied, with Merrick Bank. They keep their promise. And that is what I was looking for. Good, very good and I keep looking for people like that. I will give a 10. to Merrick Bank. If someone ask for recomendation I will stand."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ba8c82ddc7d648f790d1e35a2e86db3b
encoding: FLOAT32
metadata:
{"chroma:document": "I am very happy with my Merrick Bank credit card account. No complaints. I had to contact customer service once because for some reason I couldn't get my password to work and they helped right away. I would recommend this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 52aa44363bb8434cb0490d55900ba1b1
encoding: FLOAT32
metadata:
{"chroma:document": "When I received the pre-qualification offer, what stuck out to me was line of credit $900. But after building a 7 month I believe relationship in good standing the line of credit would double! This card works for me as a revolving credit card, meaning monthly bills, cell phones, credit sesame, Microsoft Office subscription etc. Every month auto pays! And as promised line of credit just doubled! I highly recommend Merrick Bank, and they report to all 3 credit agencies! Thank you Merrick for finding me, and look forward to many years as a customer!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b4f0002fc9a94e32bc2e0b1456080a68
encoding: FLOAT32
metadata:
{"chroma:document": "I have found Merrick Bank to be a blessing in helping me to rebuild my credit. They have been more than generous with their credit limit. And then the increase seven months later. I love them. Thank you Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 017589b264e04274941318d52f649158
encoding: FLOAT32
metadata:
{"chroma:document": "It is a privilege and an honor to have a Merrick Bank credit card. The monthly payments are very reasonable and easy. It is accepted anywhere. I got an unexpected credit increase which was a very wonderful and useful surprise. THANK YOU Merrick Bank for the outstanding service!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 781e6601324648098d70140ec63a2414
encoding: FLOAT32
metadata:
{"chroma:document": "What attractive me about this particular bank was the fact that they were willing to give me a second try although my credit wasn't the best. They took a chance and because of that their chance on me, I was able to provide for my family in the time of crisis and emergency."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0ab8ad4e8874411a54ed3c71285cfdd
encoding: FLOAT32
metadata:
{"chroma:document": "I am happy to have this card as it is pulling my credit score up a little every month. Interest is higher than I like, but it will get better. Would like to see a credit increase also, as a reward for on-time payments."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd39ffc5b9ac4f2dbd3f2ff831567b11
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank credit card is one of the best cards I have ever had. They started me out with a good credit limit and in 6 months if I paid on time they would double the limit which they did. So I cut up a few of my other cards and have this one now. Great job Merrick. Keep up the good work and your word."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7270a854b6594fe78f73fd7cc6bd7b51
encoding: FLOAT32
metadata:
{"chroma:document": "I only use credit cards for emergency such as a auto breakdown or travel. I mailed my bill on the 9th of last month. The bill was due on the 14th. I was charged a late fee. The woman on the phone was very pleasant and waived the fee. I am grateful for that. But it concerns me about your processing of mailed paid bills and your eagerness to charge late fees in a inappropriate manner. I will be hesitant to use your card before others in my possession."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a193fe3be48845648b185f0484779056
encoding: FLOAT32
metadata:
{"chroma:document": "Just want to say that Merrick's bank card gave me a chance and I will not let them down. I use that card and they doubled my amount and I really appreciate that. So to all the people that work there thank you and you are the best."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab95d715ab0e4eb8836f2ed73a2706a7
encoding: FLOAT32
metadata:
{"chroma:document": "It's a credit card... I mean the rates arent the best, but they are pretty good with credit line increases. My issue with them is the late charge... If you forget (we are all human) and rush around to do a bank transfer and the bank transfer comes in the day after the due date even though you initiated it on the due date I dont think they should charge you the 35.00 late fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e3c237f7a505446e8a844f8928cef711
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a cardholder for eight months now and I have had a very good experience with the card and the customer associates who have helped me when I needed a clarification. They are quick and knowledgeable too."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 702cf687d6ea4ef8995261f3c42b728b
encoding: FLOAT32
metadata:
{"chroma:document": "When I wanted to build credit I went to Merrick Bank and got their card. As long as I did payments on time within 5 or 6 payments they doubled my credit limit. And I continue to make payments on time with the highest credit limit that I have and the rates are reasonable."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56ede586aa9d4d17acac9966ff1f4af5
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank reported a $1 past due to the credit bureau. Had the credit card for 10 years. Never used the card. The $1 was charged on a late membership fee that was sent in 10 days late. I had never had a late charge on this account because I have never used it. I was not aware of the late charge until I went to buy a car and that $1 past due changed my score from 731 to a 629. I could not get anyone to resolve this issue, representative made sure I understood it was my fault and would not transfer me to a manager. Very poor service and poor representative. I would not recommend this card to anyone. In 10 years all I have paid is membership fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f41e8a910c874ae19ddc142895480b48
encoding: FLOAT32
metadata:
{"chroma:document": "ABSOLUTELY DO NOT DEAL WITH THIS COMPANY. I HAVE ALREADY NOTIFIED THEM MANY TIMES OF A FRAUDULENT CARD IN MY NAME AND THEY are doing nothing about it. They will let people keep fraudulent cards open and Merrick Bank does not care about the person this is hurting. Their representatives are extremely rude!!!! It's time to start filing a lot of consumer complaints about this company and I am starting today!!! Don't trust Merrick Bank. It will be your worst mistake. Merrick Bank is the worst company ever! Anyone who wants to file a complaint against Merrick... Go to www.Consumerfinance.Gov/complaint. And make sure you report them to the BBB."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f3b8a243a08148b1a2660eeb6cbc9b8e
encoding: FLOAT32
metadata:
{"chroma:document": "Is decent card that does what it says. As with everything make sure you read the small print. Credit increases are given for keeping your account current. They have an easy-to-navigate website and multiple options on there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eddf0dc2e20f4dbebced8628817973da
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick gave me a chance to be a credit holder which allowed for so many more opportunities for me! Also they said my line would increase after paying on time for 6 months and they weren\u2019t lying. Not only did my line increase but it doubled at the 6 month mark exactly! Thanks merrick!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 161d56813cfb43c4a34ca8c66bd5426f
encoding: FLOAT32
metadata:
{"chroma:document": "The new website sucks. What was wrong with the old one? It's spread out all over the screen - harder to read. Info spread from one page to another. What was wrong with nice compact, easy to read? Home Depot went to a format like this and I complained to them too. A lot of good THAT did! Wasted space and going \"here and there\" to get all info in one place. Your web producers are DEFINITELY NOT users."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 20bee6616c7f4900895a29119e460743
encoding: FLOAT32
metadata:
{"chroma:document": "This bank took a chance on me... Single mother recently divorced needing to build her own credit up. Easy application. Intuitive App for Phone. Came through on the double CLI after 6 mos good payment history. I have never had to call customer service. Completely happy."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1f324f577fa9466b8169248494b07433
encoding: FLOAT32
metadata:
{"chroma:document": "Thanks Merrick for the fairness you have shown as I have managed my account responsibly you have increased my line of credit. I look forward to taking advantage of other services Merrick offers for years to come."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e84c9750fc9b4ccba270f1007850c128
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick Bank is wonderful... With my credit history being in not so good standards due to me losing my job then becoming disable Merrick Bank gave me a chance of obtaining a credit card with a credit limit that is within my budget to help me rebuild my credit. Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7dc293c648fb487b99976a4244905e5d
encoding: FLOAT32
metadata:
{"chroma:document": "I love Merrick Bank. They are very fair, easy to maintain, love my account. They are helping me reestablish good credit. They increased my limit as promised and it was greatly appreciated. They also have great customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54e59093004e4e788c136bef889069a5
encoding: FLOAT32
metadata:
{"chroma:document": "They are the best bank I have felt with in a long time. They gave me a visa when others had turned me away. They took a chance on me so I am proud to say for my credit card needs Merrick is my choice of banks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 679f933fd50a418481750c0e0ac95982
encoding: FLOAT32
metadata:
{"chroma:document": "I really find the app useful and helpful. It\u2019s easy to look at statements and to pay the bill. And the card works every time. I use it for online transactions most of the time. I find the card is a good card for me. I like that it saves me time and is always updated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16c68fe73c224491833e60d90d6742bb
encoding: FLOAT32
metadata:
{"chroma:document": "This was one of the first credit cards I applied to rebuild my credit and up to now it has been fantastic, it did help a lot to build my credit rating and they doubled the credit line after 6 months. Great card???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6fda01038b33411aa3c48fc0e2ad44d5
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank helped me quickly regain some financial stability. Through on time payments I was also quickly able to raise my credit limit which boosted my credit score. Great online website. Easy to make online payments. Recommend them for anyone looking to open a new credit card account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4bfc339c41fb4158820d598ae415e4f8
encoding: FLOAT32
metadata:
{"chroma:document": "I've had this card for over a year now after receiving an offer in the mail for a $700 CL. Was approved immediately and have not once had a bad experience since having it. The CSR's are always so helpful and friendly. I use this card sparingly with keep my debt ratio 30% or less and have received two increases since then. I'm currently at $2100. I must say for those of you complaining and posting bad remarks on MB, I was at a 624 Credit Score and they offered me this card. Can't complain and have no regrets whatsoever. They gave me a chance to where your other top dog exclusive Credit Card Companies do not. I'm very pleased and Thank you Merrick Bank!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 83ae94b1df7640579bb90209f7f20ac0
encoding: FLOAT32
metadata:
{"chroma:document": "I have had the Merrick Visa card for over one and a half years now and never saw a credit line increase to $1400 like they promised because I was three days late on a payment and they have no grace period. There are many other companies out there that give much higher limits such as Capital One and Credit One that offer better terms. DON'T SETTLE FOR THESE LITTLE BANKS THAT MAKE BIG PROMISES!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: edc813c1fe7d4063917edbe3fe7a4532
encoding: FLOAT32
metadata:
{"chroma:document": "I received a pre-APPROVED card offer in the mail. I responded online with the approval code only seconds later to be Declined. And immediately following I received a email from Experian letting me know that my score was impacted by a HARD INQUIRY from MERRICK BANK. There has been no change in my score since the date I was effectively PRE APPROVED. WHY NOT JUST SEND A PRE QUALIFIED NOTICE? I am checking into this further. It\u2019s certainly not over."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7554cf38db2e4b69a5d39617786c2c7a
encoding: FLOAT32
metadata:
{"chroma:document": "I have always paid this card on time even making large purchases being responsible paying them off within a reasonable amount of time. Never a late fee etc... This is my emergency card with a \u201czero\u201d balance and also thinking I\u2019m being responsible for not using it for every little thing and I get the letter today. It\u2019s closed due to not being used in over a year and cannot be reopened. It had nothing to do with my credit report. I called and said the above and was told a repeat of the letter. I stated I was being responsible and wanted my card reinstated that it was my emergency card. What would I have to do reapply? I was informed online you can only apply for secured cards that unsecured was by invitation only. The July\u2019s invitations haven\u2019t been sent out yet. He verified my address etc... not a happy camper! No warning! Nothing and it will impact my credit score!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b5bb98251b284508bea5d0b3f4c6d2f0
encoding: FLOAT32
metadata:
{"chroma:document": "I opened this account, more than a year ago. Used the card one or two times. Paid off the total owed. Went to use the card again online. My card was put on hold for inactivity of more than a year. Seriously? The card has an expiration date on it. If it is inactive up to the date on the card, then that would be reasonable to deactivate. My card's expiration is in 2021, three more years. I will NEVER be a customer of Merrick Bank, ever again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1d3908620e094b4f87d064530449cb21
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a card from Merrick Bank for 3 years now. Never late on payment and have received several increases. So far so good. Lately they have restricted my account for access for various reasons. The first time was that they felt that the merchant I was dealing with was a fraud. Note he is a good friend and never took advantage of anybody and has a good reputation. The last time was because I paid off my balance in full from my checking account. Yes that's right. I even put them on speaker phone so a friend could hear them and know I wasn't making this up. Merrick Bank accused me of using someone else's money. They even made me go to my checking account bank and have that bank send them a fax to assure them that I had the authority to pay my bills. Really? I have to prove I can pay my bills? My wife just died and I have some money from insurance payments. Really? Froze my account because I have to prove I can pay. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 87a6c127997b403cae52bcf6a4f62af1
encoding: FLOAT32
metadata:
{"chroma:document": "I received an offer and accepted it. I got my card and started to use it. Sometime in 2014 Merrick decided to close my account and also my internet ability. The last payment I made was in June 2016 and I never received another statement from them. I think the balance due at that time was less than $100.00. I recently received a letter from a collection agency that said I still owed Merrick a little over $400.00. Having received no new statements from Merrick I have made no additional payments since my June 2016 payment. Because they have not sent me any statements and because I have not made any additional payments they have probably be accumulating late fees and interest charges on the late fees. I am going to try and call customer service and write a letter to the collection agency with a copy to Merrick and see what happens."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63043ca772b8483a8664651a8be48177
encoding: FLOAT32
metadata:
{"chroma:document": "For years I had perfect credit. Loss of job caused me to ruin my credit. Merrick approved a low limit credit card with 6 months of good repayment and raised my limit. I am very thankful for giving me the chance to restore my credit. Thanks Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cb215eef6f8e44ec92139acedf3e79d5
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had the Merrick Bank Visa card for 3 weeks. Terrible experience after I made my third payment. My payment was held for no legitimate reason. Keep in mind, my previous payments cleared. I received an explanation saying that the reason behind the held payments revolved around the computer matrix, and the only way I could have my funds were to have my bank fax over a payment confirmation. Keep in mind, I never had a derogatory action against my account. The customer service representatives were ill equipped to answer my questions. So, I made my final payment and closed the account. Stay away from this bank and card. It\u2019s terrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 94d816a47d5c40038bab1542749605e1
encoding: FLOAT32
metadata:
{"chroma:document": "I recently applied for a card with Merrick Bank after receiving a mail offer saying I was pre approved. I was approved and waited for my card. After almost 2 1/2 months I noticed I never received it. I called. Explained the scenario and had another one shipped to me. After another almost 2 months still hadn\u2019t received the SECOND card either. I called and cancelled the account. Then when checking my credit report I was hit with a hard inquiry on the application and then my credit went down because I opened then closed the account all within the first year. Ridiculous! My credit shouldn\u2019t be affected by their inability to get their product to me when given TWO chance with a five month window. Especially when there are so many better companies out there, they should be striving to be better and at the very least efficient at their job."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58f7176a1ff241339858ded38963b658
encoding: FLOAT32
metadata:
{"chroma:document": "Thank you Merrick Bank for providing me with a tool, and instructions, for rebuilding my credit after my divorce. An easy to use card with a great online tool to manage it helped me go from deep in debt to over 700 on my credit score. Starting off slow was smart, using the card and paying it off every month. Then, a few months in, after reliable performance from me, you raised my credit limit and that bumped my score. Thank you for what you do."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5694ada0ac4d4859981d51797f9f3ccc
encoding: FLOAT32
metadata:
{"chroma:document": "Very user friendly. I can get to all of my information easily. The card has helped me to increase my credit score and I would recommend this card to my friends. Merrick Bank has done well by me and I am very satisfied."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3dc85da4725f42ce9e88eae4ac2b692a
encoding: FLOAT32
metadata:
{"chroma:document": "I feel that the card should have more of an option to better serve all type of consumers. Once the consumer who was once working in fixing credit or establishing credit has done so they should be able to have a product that suits their credit as it grows without having to close the card and go to another company to get that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c999cb6bb8f74ee68b685b4b4e3134d1
encoding: FLOAT32
metadata:
{"chroma:document": "I purchased a tablet at Walmart.com but the box arrived empty, I even have the proof (the box) and a note from the mailman saying that the box is empty to contact their office which I did but they told me to contact Walmart.com and then follow with a claim from my credit card. Until now they have not credit back the amount of $169.99 plus taxes. Very bad customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7ba4c02960084f2fbd51857ac8d394b7
encoding: FLOAT32
metadata:
{"chroma:document": "Firstly a charge of $4.00 a month really! Secondly I noticed on my statement that I am being charged finance charges from the day the charge was made. What the heck is that! Finance charges should not be incurred after the statement date hits and if there is a balance then finance charges are assessed. I have paid both cards off and I am cancelling them and writing to every media online company I can that Merrick Bank are thieves."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: efb6267a232a422f8b0a52b8ce9fcbc5
encoding: FLOAT32
metadata:
{"chroma:document": "I want everyone to know that I am so pleased with Merrick Bank. They are an efficient company. The one aspect I want to bring out is that they are a extremely fair company. I worked to keep my account current as well as paying more than required. They recognized my efforts and increased my balance allowance. Thank you Merrick Bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f9cf16baa73f492caa65e6419a8eb308
encoding: FLOAT32
metadata:
{"chroma:document": "I notice on this statement it was two charges of $119. Back in October 2017 there were a charge of $146 Miracle Healing formula. The merchant credit my account in November or December of $119 and Merrick Bank credited my account $27 and some changes under my last account. So I received another card ending in #** so I was that Merrick Bank credited my account three times when they didn\u2019t have to. The only credit from Merrick Bank was $27 so now five months later Merrick Bank wants to tell me that they just now taking the three credits back. $238 was taken out of my balance. Please look into this. I\u2019m very disappointed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d0a65fe0d3c4e97a5e45531636b288a
encoding: FLOAT32
metadata:
{"chroma:document": "After filing for bankruptcy the only cards I was able to get had a annual fee which I understood but then I got an offer from Merrick Bank without an annual fee and was able to prove I am still trustworthy and deserve a second chance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2bc7a81b56764f949f9177b04e629f6d
encoding: FLOAT32
metadata:
{"chroma:document": "I am an ordinary consumer that has had this card now almost a year now and have had great success with this card. I've gotten an increase and as long as you pay your bill on time you will see great success with it. My credit score has improved tremendously. I believe that it is a great card to have that will help you improve your credit, to get you back on the road if used correctly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 286fba19b8b7434f8215f12966845ecc
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank app is excellent. Very easy to understand and use to make online payments. Also whenever I needed to call customer service, the representative was very helpful and knowledgeable. I am very pleased with the interaction I have had with the mobile app and customer service representatives."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e7f43fec37a24f259d5ba397d84022fc
encoding: FLOAT32
metadata:
{"chroma:document": "I am very satisfied with Merrick Bank and the service they provide me. They value their customers and reciprocate my responsible handling of the account they have availed to me. Thank you very much for the financial flexibility you have given me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93642a0037184f44bb4369a1fa12eb05
encoding: FLOAT32
metadata:
{"chroma:document": "I have nothing but good things to say. They done everything they said they would concerning my account. They increase my credit right when they said they would provided I made my payments on time. Would definitely recommend this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5bcaf4592fe94747847b815b29ab4fb8
encoding: FLOAT32
metadata:
{"chroma:document": "I have had an amazing, awesome, outstanding experience with Merrick Bank. I would highly recommend them to all of my friends and family. They are always there when you need them. Thank you Merrick Bank, for accepting me as one of your customers. Please don't leave me. Again Thank You Merrick Bank!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f9fc793f5e834ae1a213c37f167bfad3
encoding: FLOAT32
metadata:
{"chroma:document": "If you do your part and make your payments on time, this company seems to be fair and other than having a high APR, this has been a pretty decent card to carry. I had the double your credit line offer and my line was doubled as the offer indicated because I followed the guidelines. I was hesitant after seeing some people complain that they did not get their line doubled as offered, but I can only imagine it is because there was something they missed in the requirements because I have had no issue. The only negative really is the high-interest rate."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80ba9ae63242451ab5ee1814bd248d57
encoding: FLOAT32
metadata:
{"chroma:document": "I love that I decided to get a Merrick credit card, they offered me a second chance at rebuilding my credit and so far I am deeply satisfied. Their rates are reasonable and it helps promote wise spending. Definitely would recommend."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b20b963c82ac475db969b497d642f80c
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019m trying to build my credit. I\u2019m happy I\u2019m approved for only $600 CL. The first time I used it I got declined. And I was in a cab with no cash. So I ended up my friend paying for the cab. SMH!! So I called the bank and they just need to verify my transactions because apparently it caused fraudulent activity. So I got that resolved, the agent told me, \"You are good to go\u201d. But before I hailed a cab I tried the card first at a parking meter to check if it was really good. Card declined. SMH. And it was raining. Then called the agent, while slowly walking home in the rain, then she again said it was good. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 19b31f5db4e24a8cb3463afb4f015f7b
encoding: FLOAT32
metadata:
{"chroma:document": "Back in November I was notified that my credit score had dropped significantly, I am in the process of building a home to be finalized soon, I contacted Merrick and they said it was their mistake and sent me a letter. Today I received the same call from my bank (1 week away from closing) Merrick reported that I was late in March paying a $4 service charge and it dropped my score 50 points. I called to ask and they told me too bad. Really? Now because of $4 I may not be able to provide my kids with a home. I have auto payment set up so how can I be late?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ba6e61ef89444064900d671a2c08f517
encoding: FLOAT32
metadata:
{"chroma:document": "I received a very curt letter from Merrick Bank today stating that they were closing my account just because I hadn't used my credit card in a year. My limit was immediately lowered to $300 and it would be closed in thirty days, regardless of whether or not I used the card, and the account would not be reopened. I've had the card for a few years, I used it previously when necessary, and paid off my balance with no late payments or penalties. The letter even stated that it was based ONLY on the fact that I hadn't used it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 845b958b3d2e4557a7dca2e2d6d13e80
encoding: FLOAT32
metadata:
{"chroma:document": "I had a Merrick Bank Master Card for 2 years. I rarely used the card and decided to close the account because of the annual service charges. I closed the account in January 2018 and had no balance or payments due. 3 months later they put on my credit report that I was delinquent in my payments and took a 60 point hit on my credit score. Now I have to go through a bunch of hassles to get it corrected. Their customer service was useless and had no explanation for the delinquent reports. I will never do business with Merrick again. Capital One is a much better company with no annual fees and great customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0fda691a880247bb98fdac90b2574ee8
encoding: FLOAT32
metadata:
{"chroma:document": "I have never had anything but positive experiences with Merrick credit card services. I have had my had for almost a year and they have been a dream to work with. I am sure I will rebuild great credit after my bankruptcy in no time. Thanks to Merrick Bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 10df224d06824d90a50e5d1e56f85e8b
encoding: FLOAT32
metadata:
{"chroma:document": "I was disappointed in seeing that my credit line looked to be increased on the website. I went to make a purchase & it was declined. I spoke to an agent that was completely professional, friendly and helpful. The online information was incorrect & the embarrassment it caused me was significant but the agent smoothed things out."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1614854dcea4b479e75a97f6c4e06b3
encoding: FLOAT32
metadata:
{"chroma:document": "I have truly enjoyed the relationship I have with Merrick Bank. The policies were clearly explained and access to additional information is readily available. There's no \"hidden\" language which makes this an even better choice for financial services."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7aa84ead63ac49da99d5b06b07bead62
encoding: FLOAT32
metadata:
{"chroma:document": "I have nothing but high marks for Merrick Bank. For me, they have been a good company to work with. However, I do think it's mostly on my part... I make my payments on time, and usually pay more than the minimum. In response, Merrick Bank has indicated their trust in me by raising my limit, which has helped my credit rating. I've had no customer service issues with Merrick Bank. Overall, I rate them highly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 244cfc239e3242f784062f087dfb10e9
encoding: FLOAT32
metadata:
{"chroma:document": "Huge late fee for five days past due. Never been late prior. Was a complete mistake on getting days mixed up. Every other card I have has a 7-10 day grace period. So I paid off the whole $650 balance and have no intention of using the card again. I understand it\u2019s my fault by not complying with your particular policy. Also, my choice to no longer engage my finances with your absurd policies though."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5df9334732ae4ab5af8225ab998fec62
encoding: FLOAT32
metadata:
{"chroma:document": "If Merrick Bank was a person instead of a company, I can say that I would like to be their neighbor. They seem to be concern with their consumers and so prompt in fulfilling their promises. Prompt in responding to consumer concerns."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0de5cc0a2bf34af195a971e1ea86ab42
encoding: FLOAT32
metadata:
{"chroma:document": "I have had no problems. I appreciate the opportunity Merrick Bank has given me to improve my credit score. I would recommend this bank to anyone. The people having problems having learned the importance of paying back what they spend. This is a good bank. Customer service is very polite."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 78fcda3828454db2af23c722590296a2
encoding: FLOAT32
metadata:
{"chroma:document": "The people are very professional, good manners, very helpful and knowledgeable with all the offers your company give. The employees understand your needs and they try their best to make sure you understand."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1fb52324c87f4c908a3983a297e21245
encoding: FLOAT32
metadata:
{"chroma:document": "It's a credit card account! No complaints! I'm not being hit with massive interest charges after ALWAYS making payments far & beyond the minimum required so no complaints. Now if Capital One worked this way I wouldn't be back in debt so deeply!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec0938d78be54b08ac123c23f7858863
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has very easy to use online account. I love that they send me alerts and they stay in touch with customers through their online site. This is a card I definitely want to keep! Thank you Merrick for being there!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79749ae01ee3484884bfc15e19e061e1
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick Bank has been top notch from the first interaction, to their customer service, to standing fast to their promises, to the credit line increase that literally made my day! Thank you Merrick Bank. I am quite impressed, quite pleased and would recommend this product (Credit Card) and Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62be4296041e40299f487c333de5ec22
encoding: FLOAT32
metadata:
{"chroma:document": "I tried Merrick Bank in an effort to better my credit as it had been damaged when I lost a home to foreclosure back in 2010 during the recession period. It was difficult to get any type of credit and Merrick Bank offered me a small line of credit to help me rebuild my credit score. Part of their plan was to increase my line of credit after six months of on-time payments. I made sure my payments were made on time and right about the sixth month they increased my line of credit without me having to ask for a review. A couple of competitors also offered the same but failed to review my performance. When I called to ask, they said they didn't do that and I could request a line increase with a fee. I was very disappointed by this and really praise Merrick Bank for their commitment to honesty, transparency, and for doing exactly what they said they'd do. Keep up the great work!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aa00846d196640c6b0aa82f6d208064a
encoding: FLOAT32
metadata:
{"chroma:document": "April 12, 2018 called customer service and found out I had a block on my account. I went through several different questions and they said based on my answers I needed to give them 3 things by fax. I complied and according to them after 3 attempts to find out if my information that was requested was received and the runaround from it takes 24-48 hours to it takes a while. My account is still blocked. I'm just going to pay out my account and no longer deal with the credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 342c151f556b4923b47c887024e316af
encoding: FLOAT32
metadata:
{"chroma:document": "Since they changed their new look I had to go change my password because I couldn't remember it and I followed their guide in doing it and it was very simple. This time I wrote everything down so in case they change again I will be prepared. Thank you for making it so easy."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9f0f4a39cdf24577a6d41056a96cf9d3
encoding: FLOAT32
metadata:
{"chroma:document": "A bit of confusion when first opened, but has been a pleasant experience since. Great customer service agents, willing to aid in any way possible, and easy to navigate website. Overall, very happy as a customer and have recommended."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 813889d3efb44dae92ea2a43c0af15b7
encoding: FLOAT32
metadata:
{"chroma:document": "I opened this card almost 2 years ago. They started my account with a paltry $600.00 CL. After almost 2 years, I have never missed a payment and I normally adhere to the 0-30% card utilization max rule across all of my accounts. They increased my CL to $1200.00 after a year approx. Since then, nothing. Since I use my credit wisely, do the math. I can safely use $360.00 on this card. I opened an American Express Blue Cash card a year ago and got an $11,300.00 CL which has already been increased to $17,300.00. This card and this bank is a joke. I'll keep it open for account age only, and maybe a fill up at the gas station every once in a while, but otherwise, it only takes up space in my wallet with no real use. Thanks Merrick."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cbeff877e2474cce89f02ca5281f9611
encoding: FLOAT32
metadata:
{"chroma:document": "I have been on the phone 3 times with them to allow a charge from a hotel chain in another country to run my card. I've also authorized it via email for the charge to be allowed. The card has been \"reset\" twice... whatever that means, and I'm told it should go through. Each time (all 4, now), the card still gets declined. Then they have the audacity to tell me to not use strong language while on the call - here's an idea, DO YOUR ** JOB AND I WON'T HAVE TO... They complete morons and can't think past the end of their own noses to realize how frustrating it is for a CUSTOMER not to be able to use their card not to mention the countless hours spent on the phone with them and the hotel chain trying to figure out why it isn't working - and you wonder why I'm cussing???? **, SINCERELY. The good news is I have $83.00 to pay off my current balance and I will canceling this card and never using them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fff0fe397c98463593c77055b259e6b0
encoding: FLOAT32
metadata:
{"chroma:document": "My Merrick Bank Card is my favorite credit card and the only one I really use for large purchases. I haven't had any inconveniences with it and my online account has been easy to navigate and make payments on. The only issue I've run into has been not being able to figure out how to add a family member onto my account or if that is even possible. Everything else had been great."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97f139b52a214838a35a41b21b80851f
encoding: FLOAT32
metadata:
{"chroma:document": "I pay my bills by mailing checks 9 to 10 days before they're due, and 99% of them arrive and clear my Bank within 5 to 6 days. These crooks at Merrick Bank seem to sit on their incoming mail for a few days before they even post your payment, and how convenient for them that in more than one occasion they have posted my payment the day after the due date, after which they hit me with a $27.00 late fee. And when you call them, they refuse to refund the late and tell you to next time mail your payment 12 days before the due date. Gee I'm sorry but it doesn't take 10 days for a letter to travel from SC to wherever the hell they are, and since I have zero tolerance when it comes to dealing with thieves, scammers, and crooks, this is one account that I will soon be closing. This is the one and only credit card company that I have this problem with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d302a2639d674d9cac84a72ad22d6562
encoding: FLOAT32
metadata:
{"chroma:document": "I have held a Merrick credit card for over 15 years. Always in good standing. However, I seldom use the card. The reason being is a simple issue I once addressed with their customer service department turned into a nightmare and went unresolved. I login to the account monthly to ensure no fraud on the account. Today I found it was not able to be accessed and it advised to immediately call their CSD. I spoke with several different ladies (I was hung up on multiple times. I suppose the issue was too complicated for these reps), and finally spoke with Shamira (SIC?), what a joy, as she sang da-da-da-, placed me on hold, then fiddled about and finally said she couldn't help (though this was the number I was advised to immediately call, and that a department that could help refused to take the call but I could try back in 48 hours and they might take the call then.) "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3e92ba26f6bd42c49273a9746da2eb3d
encoding: FLOAT32
metadata:
{"chroma:document": "I received a mail offer from Merrick Bank for a credit card. Said that I was pre-approved!! I got it in the mail yesterday!! There is NO way that my credit rating changed from the time that they sent it to me. Seemed like a good offer and would give me a chance to replace a card that I wanted to pay off and get rid of. So I got online and applied. Now I know that it says that I could be denied BUT here is my problem with that. There is now a hard credit inquiry on my credit report!!! They should not send out these offers if they are not going to honor them!!! It's not fair to the consumer!! If I made a mistake and entered something incorrectly or didn't check all the boxes then I should be able to go back and fix those mistakes. So they don't need to send me any more offers!! Don't waste my time!!! Just remember when you accept one of these offers it affects your credit score!! Thanks Merrick for nothing!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 723bdbd37e2b4ae8a30e632f4e008863
encoding: FLOAT32
metadata:
{"chroma:document": "After many years of a good experience with Merrick Bank I paid off my card. Never late, good customer and without warning sends me a letter that my account closed for non usage in a year with no balance. In the past year I had an accident and did not work and helped a family member in hospice. I cannot believe this bank's attitude that they will not reopen it. After all the bank made from me from being a good customer without any issues ever. I contacted customer service and spoke with a supervisor Tom. He told me they do not reopen nor advise in advance that there would be action for non usage. I have other bank's cards and if you forget for whatever reason they will advise their customer rather than dump them. This will no doubt affect my credit score and I will say to you to stay away from this bank. Seek other options. THEY DO NOT CARE ABOUT YOU OR THE BUSINESS YOU GIVEN THEM!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9920b06c5c004f97a8779986df4da2e2
encoding: FLOAT32
metadata:
{"chroma:document": "Got a letter in the mail, \"Please apply. We will help fix your credit\" which really isn\u2019t that bad. Denied in one second. Thanks so much for lowering my credit by applying for your card. Stop sending me things in the mail. You really don\u2019t help people. It will take me months to fix the damage done to my credit score by trusting your false advertising."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b6a0dd5ce0048a59b25a85c5e40f4a6
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this credit card for a few years, and I reserve it for emergency use. I haven't needed to use it in a while. I received notification from Credit Karma that my account was closed, so I called customer service to ask why I didn't receive notice that this action would be taken. I was told that notice was sent and returned as undeliverable. I have lived at the same address the entire time I had this card. They will not reopen my account because \"we don't do that.\" Even when I told them that I needed to use the card for a medical procedure, they wouldn't do anything, and told me I should have updated my address if I wanted to receive notifications from them. I want to know what address they had (the customer service rep wouldn't tell me)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad5beb405263421b8df221eccedb1998
encoding: FLOAT32
metadata:
{"chroma:document": "Got credit card things worked fine. Limit was doubled as promised in amount of time promised. All payments made on time, no over limit. Then after a year by December 2017 credit card account not reported to credit bureaus. Called and got no help at all. This affected my very good credit score. When I do have to do and dispute about charges to credit card. They are ignored 100%. Told not responsible for charges but I pay them off because Merrick Bank does one things only cancel my credit card and send a new one. It takes time and during that time I can\u2019t use my credit card. Useless to call and try to fix any issues with Merrick Bank. Charged annual fee that is way too much and can\u2019t stand. They wait until last day of statement to charge it. Never shows up as charge to pay off. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3f168f6c188b4e488a19f91add3aab2a
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank received a Power of Attorney from National Debt Relief. As a result they blocked my card use. I have paid the card down considerably and did not authorize NDR to contact Merrick Bank. I have placed seven phone calls trying to resolve this issue. The Card Services Department that handles this type of issue is only open for 2 hours, between 3:00 p.m. - 5:00 p.m. (ET). I have called this department three times and have been on hold for the duration of 2 hours, only to hear an automated message stating, \"We are closed. Please call back during normal business hours between 3:00 p.m. - 5:00 p.m. - Monday - Friday.\" Here is the direct number, 877-487-5598. I also sent a letter asking to reinstate my charging privileges."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9310e67bafe74bd79b5caf5c23700f4e
encoding: FLOAT32
metadata:
{"chroma:document": "I did electronic bill pay to add more money to my account because I was renting a car and I didn't want any problems getting the rental. I currently have a credit on my account for $78 that I was told couldn't be credited to my card until the $200 hold that Hertz placed on my card was released... The supervisor told me to call back once the hold was released. One day after the hold was released I call back to Merrick Bank and speak with a supervisor to get MY $78 placed on MY account so I wouldn't have to mail a payment out. The supervisor tells me they would have to mail me a check that I SHOULD receive in 7-10 business days. I explained to her that, \"The check you're mailing me will only be sent back to you as payment, why can't you just keep it and deposit it into my account...\" She said they can't. :-( What an unbelievable experience. DON'T WASTE CUSTOMER'S TIME... JUST STOP IT!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ee56e3b0e81f4056b75e8543b2b6ed15
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has been very fair to me and has helped me to rebuild my credit. Of all the Credit Cards for those of us with less-than-perfect credit, Merrick by far has the best rates and fairest fees. Also, no hidden fees and a very user-friendly app. I would definitely recommend Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5372fe4025d4fb4991af41d2e30defa
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick was a great starter 1st credit card. I now have 5 cards all of whom promised to increase credit lines after 6 months of on time payments, to date Merrick is the only one who kept to that promise."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ccef9614b0ad4332a23b3dd7924c85a7
encoding: FLOAT32
metadata:
{"chroma:document": "I got a Merrick card and all was going well. I had a bunch of returned payments based on some timing and helping a relative in need. Please note these returned payments were re-deposited and paid. That is the critical point. Any fees associated I paid and they were not returned unpaid. My account was never late and I was not over my limit. I went online to make a payment and saw the account had been closed. When I called, I was told that I was sent to Collections because of the returned payments. I reiterated the re-deposited paid payments and that the account was not late ever. I requested an investigation. I did not receive any reply and called back and was told that the status remained the same. This was reported to the Credit Bureaus as Written Off - Bad Debt. That is completely not true. I called back and asked for an escalation and filed disputes with the credit agencies."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: af75a574dec846599bf6d0a85eed7e63
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank had been a great credit card company for me and my husband to help us rebuild our credit. I would recommend them to anyone who needs a starter credit card. We currently have been using ours for 2 years now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cde9f839eb9348c89c0a3d86a52d5f67
encoding: FLOAT32
metadata:
{"chroma:document": "The experience with Merrick Bank has been a pleasant one. Online service is excellent. They kept their promise on my credit balance increase. The statement is easy to read and understand. I will recommend Merrick to my friends and family."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4bb51d49b18f457ea7dfc747ddd55e9a
encoding: FLOAT32
metadata:
{"chroma:document": "On more than one occasion, it has taken too long to process my payments (made by telephone) after I have a received a confirmation number verifying that the payment was made. The last time it happened I paid the statement invoice amount due about 10 days EARLY(before the due date) and the payment still was not processed by the time my due date came around. I had to physically go to the bank, put the money in a different checking account at a different bank and make the payment again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38ce39ca313f4b37965022ff3c500c42
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has to be the most wonderful credit experience I think I've ever had! They have been very good to me better than the people I've had accts w/ for yrs! I intend to be just as good a customer to them! I consider myself lucky to have a card through Merrick Bank. I know I can always count on them! Thank you for taking a chance on me Merrick Bank!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 431b61d321d94557a34265379c061103
encoding: FLOAT32
metadata:
{"chroma:document": "I have enjoyed the Merrick Bank credit card. The bank added the credit increase when they said they would and their Rep is always nice and courteous. I would highly recommend this credit card to my family and friends."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 230cc57b72214f918e589bde005b65d8
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with the credit card services of Merrick Bank have been great. Having never missed a payment I have been able to get generous limit increase with no difficulty. The app is easy to use to pay my bill. No complaints."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9098705b424a446995a8a03582aeef7b
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had a good experience with Merrick thus far. The Android app works well, and I can check my account from anywhere. The notifications are helpful, and I would recommend Merrick to anyone looking for a convenient, hassle-free experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a821c370d88441bb2249797199fb058
encoding: FLOAT32
metadata:
{"chroma:document": "Nothing bad to report. I'm able to access my account online with no problem, never had a problem using my card, and after paying on time for several months they increased the credit limit automatically just as they had said they would. Very fair and I would recommend them to others."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab3846d55ccb41d1b37ac8d72f537434
encoding: FLOAT32
metadata:
{"chroma:document": "Becoming disabled without warning my income temporarily dropped and medical bills rose. Merrick offered me the help I needed to hold on until my income returned. I was able to keep my house and not have to sell anything. Other banks even local turned me away. Merrick Bank trusted in me and gave me the line of credit I needed to hold on. Not out of the woods yet but the end is in sight and by this summer my wife and I will be back on our feet. Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 73e816d5b7c047ffb9d4ab9f03147651
encoding: FLOAT32
metadata:
{"chroma:document": "I have never had any issues. I have never had to call and talk to anyone. I have always paid on time and try not to go over my limit. I enjoy having this card and am very happy. I would be more than happy to post that anywhere."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8762e2a8473645d8b71c02411d92e34f
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick Bank has been wonderful. I have never been a customer where the employee really give it all he/she has to make sure that you are satisfied with their services. Love Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3eb6584acf6741318c41ac47f7027410
encoding: FLOAT32
metadata:
{"chroma:document": "They were there for me at a time when I needed them most. They gave me credit and as promised they doubled my limit when they said they would. Their website is easy to use and I've never had any issues making payments to them. I would recommend them to anyone who has gone thru a hardship and is trying to turn things back around again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c92665a7b08c41779fc6751e868ef0c9
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick trusted me after I worked my way thru Lung Cancer and my Credit took a beating because of my huge Doctor Bills. I will always be Loyal to them for giving me a chance again. I've never been late on a payment and never will be!! Thanks to them my credit score is on the upswing!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d7804c25e210452d82a15c5144adda28
encoding: FLOAT32
metadata:
{"chroma:document": "This creditor showed me compassion and consideration during a trying time. That touched my heart. None of my other creditors did what they did. I am forever grateful. I will be sure to always keep them at the top of my list. Thank you, Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 67b062f668b541d98d0f752469010a35
encoding: FLOAT32
metadata:
{"chroma:document": "I love the fact that Merrick motivates you to keep your payment on time by offering a increase after the 7th month, great incentive. Although my husband didn't get his increase, due to a glitch Merrick Bank had. But We accepted it and are still loyal customers. When it comes to customer service it's lacking training of great customer service because you could have a lot more business if it went a little smoother. We talked to about 10 reps before we could get any answers. We don't even call anymore. We feel like it's just hopeless to get anything done on the phone. We just pay our bill so that we can maintain our credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9922de6bc4ef42f99056fe3e34d49743
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick Bank credit card has been outstanding. Having a card that can cover car rental expense or a simple three night hotel stay (average room rate about $175.00 per night) is so wonderful. I pay the bill on time and in a few months they will double my credit limit... I love this concept, it drives you to make that extra effort to get your payments in on time... WAY TO GO MERRICK BANK!!! Now teach the other credit card companies how to do it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58ebf8d79bd345958c51577551da627f
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer with Merrick Bank for one year now. I sent them 2 payments in February 2018 for a total of $255.00 dollars. (1 money order for $50.00) and (1 for $205.00). To date my account has only been credited for $50.00! This is insane! I believe they have someone on the inside stealing from customers. Or, they intentionally do not credit your account because of the high interest they charge! On March 10, 2018, l sent them another payment this time for $90.00 dollars. Today, it is March 17, 2018 and still no credit to my account. I am asking that ConsumerAffairs look into the financial dealings (audit) Merrick Bank for scrupulous financial and misleading accounting practices. There is something seriously wrong at Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6533e3dc789446eb8878ff3866a9300d
encoding: FLOAT32
metadata:
{"chroma:document": "I've had a credit card with Merrick since 2012 with a credit limit of $1000. For the first two years, I always paid on time and over the amount of the payment due. I NEVER got a credit limit increase. Between the end of 2014 and 15, I was late a few times because of personal situations. Well I got back on track the end of 15 till now. I've never missed a payment nor been late in over 3 years, still have not received an increase!!!! I spoke with a rep today that looked in my file and said I qualified for an increase back in 2012 but not sure why it wasn't applied and she couldn't see why I haven't received any in the past couple years."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ade4e8ecba34d79b8bf310cd06499ac
encoding: FLOAT32
metadata:
{"chroma:document": "I got charged for 2 items in 3/17 for 179.48 and disputed the item and then when I got a bill I had a minimum due on the bill. When I spoke to someone there which I found out later WAS NOT Merrick Bank but a 3rd party they told me I did not have to worry about the minimum because it was under dispute. Then I got 2 more charge 4/28/17 for 188.38 and the same thing happened. It was under dispute and then something happened. I was told I did not have to worry about minimum charges because it was under dispute. Then I got a credit for all the charge one in April of 17 and the other in June of 17. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ddbe016114e4bb3ac02023cd5597b74
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve used Merrick for a long time. Got a letter saying, \u201cYou haven\u2019t used your account in a year. This account is closed and will not be reopened.\u201d I called and the lady says this account is closed and will not be reopened. I will never give them my business again. I have credit cards unused in 8 or 9 years without being closed, shame on you Merrick. See ya!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0900adcfa88949fb959ccb8dd09a2c55
encoding: FLOAT32
metadata:
{"chroma:document": "With my low FICO score I\u2019ve been denied cc from everywhere. Found through Google search. Applied within a minute approved for $500. Now my credit limit is $2000 within a year and CS is 689. Thank you Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1907fee0dc6b4ad9a4e3ae6cafc3547d
encoding: FLOAT32
metadata:
{"chroma:document": "Absolutely no flexibility on the high interest rate. Have had this card 4 years and made on time and higher than requested payments. Now that I want to pay it off and requested a lower interest rate, the customer service rep rudely told me there was absolutely no chance of a lower rate. I think I heard the sarcasm through the phone as she explained the rate was set when the account was opened. And at 26% interest, it's almost criminal. Have since closed the account and transferred balance to a card with much lower interest and better customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d92b80e10e604ffb96f1d98c1400c575
encoding: FLOAT32
metadata:
{"chroma:document": "I got a Merrick Bank VISA offer in the mail. I went online to their site and applied for the credit card. As soon as I input the acceptance certified number I kept getting an error message saying the certificate number did not match. I input the number many times before giving up. I come to the conclusion that this might be a scam to get consumers information. I believe it is a scam because the very number they sent to me did not match. This is not right and I want others to know about this experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bae03a4515894e63804aa12c4ebc2670
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer of Merrick Bank since 2012 . Never late with payments. In November, 2017 one of my other credit cards was hack into First Saving. The hackers got into my checking accounts and changed my address to Miami, FLA. Our money was not available. This was a mess. My husband and I live on his social security. For December payment I stop recurring payments because of this. I made my payment 5 days after due date. The csr waived late fee and said, \"Don't worry. It all good.\" The next month MB proceeded to take 92.00 out of my account instead of the 39.00 which was never mentioned to me when I called the bank to let them know what was going on. I did not plan for this amount and I keep exact amount in my checking account because of being hack into. That checking account is now closed because of the hackers. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e347d0cf6a3d48c89d4a677479a55c86
encoding: FLOAT32
metadata:
{"chroma:document": "I'm in the middle to repairing my credit and was only getting offers for secured cards, or $300 limit cards. Merrick just offered $750 which I consider pretty good for my credit score. It comes with an offer to double that limit to $1,500 after 7 months. I don't carry any balances on my cards - pay off the entire balance when the bill comes due, so this will be a very welcomed $1,500 credit card in 7 months. Not bad. The goal obviously is to get my score up farther where I can cancel cards like this that have annual fees, but I'm not there quite yet."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 67924c53084a43c785fbd00953226f83
encoding: FLOAT32
metadata:
{"chroma:document": "I mailed a check to them and my other creditors 18 days ago. All other creditors have received their check, posted the payment and my check has cleared. Merrick is the only bank who hasn't. Mind you, I'm paying the entire balance. My payment is due today. I'm not certain what their problem might be but clearly there is one. They have doubled my credit limit twice so I do pay on time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d5c3805268e4676bf6b35aa301f78b6
encoding: FLOAT32
metadata:
{"chroma:document": "I just spoke with one of their representatives and inquired about the free FICO score check they offer. Do not do it as it is considered a Hard Hit on your credit reporting. This is NOT disclosed and I would consider it a breach of some sort as the consumer is not aware of this hit before it is done. There is no clear literature offered before the consumer hits enter."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 30c992911e0d42f68dc18dc1051dccdf
encoding: FLOAT32
metadata:
{"chroma:document": "Pissed off Customer who was literally lied to about a pre-approved letter after log in to site to apply for the Pre-approved Visa Card that Merrick Bank Sent Me. I was Denied, Totally ** Because I\u2019m Driven a Brand New Car that I Bought a Year ago & I've made every payment on time, I've got 5 Credit Cards that are all Platinum Cards, I've got a Visa Gold Card with a Unlimited Limit, My Credit Score is 650+, Just Purchased & Built a Brand New $300,000 Dollar Home & You Guys Still Denied me one of Your ** Credit Cards. I will Take my Business elsewhere & I hope you lose Customers over this Review Because you guys have one Highly Pissed Customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60fa672838dc46ae8e3ed2175d9fc208
encoding: FLOAT32
metadata:
{"chroma:document": "After having been a customer of Merrick Bank with platinum Visa card, I was just informed that my account was closed due to inactivity and would not be reopened. No communication was received warning of my imminent account closure, just a letter stating that it was closed! This is what almost 7 years of good standing and on time payments (NOT a single late payment) will get you. A call to customer service gave me the same information. All they could do for me is file a complaint, but the account could not be reopened. I was not even offered an opportunity to open a new account. Great customer retention! I am truly disappointed in Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ac64ba2effc4ad3bcecfb833432b240
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank is incredible. Their customer service is always helpful. When I was in need of help because of Hurricane Irma, Merrick Bank was the only credit card company who immediately and without question helped me out on deferring my payments with no penalties. THANK YOU MERRICK BANK!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a32f5f8c008f483c86fdb7602511a160
encoding: FLOAT32
metadata:
{"chroma:document": "I am really happy and excited about the app. I have all of my information available as soon as I need it without having to get to a computer. Being able to pay through the app is also helpful. I appreciate Merrick Bank allowing me to establish and build my credit profile and I look forward to continuing to be a satisfied customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 51e1071e04734d61a98a6c8334e8bde8
encoding: FLOAT32
metadata:
{"chroma:document": "First customer service representative I spoke with never processed the request to mail me a new card. She did process the name change, but I never received a new card. Second customer service representative I spoke with apologized and sent me a new card with expedited shipping. Interest rates too high, no cashback or other rewards offered. I've already applied for and received a Capital One Quicksilver card offering 1.5% cashback. If Merrick Bank doesn't keep up with other major banks offering rewards, by the end of 2018 I'll be canceling my card in favor of the Capital One Quicksilver card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 28229bc836df428cae99df3398b0de77
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank is great! I am really glad to have this credit card as it helps out a lot and is easy use the features. The limit of the card is sufficient now that I have had it for sometime paying my dues. Customer service is excellent as I can pay my balance/minimum by phone or online!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e2cbddef181412a80a25ec69f836a52
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with Merrick Bank for a little under a year now, I've never had any problems with them. The app runs smoothly, the site is easy to navigate, and any questions I have are answered in a timely manner."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2d3436d629f4dbaa0b882899a067e1c
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Wells Fargo for 26 years. I branched out to Merrick Bank for an extra credit card when fraud charges began appearing on my credit cards at WF. I have had three occasions to speak to Merrick reps and all I can say is that the company hires \"Wonderful human beings!\" As far as the website... Amazingly simple to use! As far as the service from Merrick... It is tops! If there was a Merrick Bank near my home, I'd transfer my money and open accounts at it, because I've only had absolutely positive experiences."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 051a535fde2343a684b30e554aa9c714
encoding: FLOAT32
metadata:
{"chroma:document": "Only complaint is that my billing due comes out before my actual statement is available. Very happy with line being doubling for on-time payments! Payments are easy to do as well. I like having to confirm my ID everytime as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 05dbbe5ae8724277a27fa6ea00f04670
encoding: FLOAT32
metadata:
{"chroma:document": "They told me \"make your payments on time for 6 months and we will double your limit\". It happened without me making a call. A couple days after my 6th payment the increase was there. They would get 7 stars if possible. If you do what they ask they will do what they say."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 20f50942fd914e9abca2c26dfdc34ad7
encoding: FLOAT32
metadata:
{"chroma:document": "I received a preapproved statement in the mail today. My credit isn't perfect but i have nothing negative new in several years. I just paid off a 5 year car loan and I have 5 other major credit cards. I decided to go ahead with this preapproval just to open up my debt to credit ratio. I was denied credit with this company. What exactly does preapproval mean if you're not actually preapproved? It's just a scam to get you to apply for their card with no preapproval criteria met on their end. Just took a hit on a credit inquiry for nothing. You would think with charging the high interest rate and yearly fee, they would accept someone with 97% credit pay rate that I have on my report."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1c39fefa89194d3fa981d504fa82d8ad
encoding: FLOAT32
metadata:
{"chroma:document": "They offered me a credit card when I was in the rebuilding process. I have not had any bad experiences. They have been good to me. As long as I pay on time and keep my card in good standing they increase my credit limit. Thanks!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01f242c9007847bba80a91936a2727aa
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank gave me a card when the other banks wouldn't. For that I'm grateful. It really helped my credit score. They doubled my limit just like they promised and even bumped it up a couple more times. But now I have cards without annual fees and way cheaper interest. They don't offer cards without the annual fees and they never lower the interest. This is a rebuilder card and it is what it will always be. So, I just make a small purchase occasionally, pay it off, and put it back up. To help with the credit utilization."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc759624d2024c3f9f4cc750c7bd6433
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank provides a safe way to extend credit services to me as a customer. They are fair and watchful of usage in unfamiliar locations by verification process which I respect, and a reminder to me to pre-inform of travel use to avoid decline."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c2d9e06311442d892bde5c4a10b24c2
encoding: FLOAT32
metadata:
{"chroma:document": "The online app is poorly designed at best. I check the remember me box, and it usually does not remember my userid so I have to enter it again. It would be nice if you could see statements or at least a summary through the app. Sometimes I need to login online (I.e., through my computer because I cannot see what I need to see through the app on my phone and iPad). I would like to see the balance as of my last statement, not just the current balance and minimum payment. I want to see what I need to pay without incurring finance charges. I cannot see this in the app.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 588c93a1f58a4973b9e79a24b3cca6e5
encoding: FLOAT32
metadata:
{"chroma:document": "My experiences have been fine. Only reason for contacting the bank was to get my due date changed. Whereas they were very compliant their process was different and a bit confusing compared to some of the other banks. And on a personal note, their CSRs could loosen up a bit and be a bit more friendly! Joking  ??? Was not their top note??? Otherwise I would recommend them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c77e9abaff54016bedc795ebadcc214
encoding: FLOAT32
metadata:
{"chroma:document": "I had a question about my credit card balance and was helped by one of the best customer service reps I have ever had in my life. She was very friendly and helpful. Hope you are able to look her name up and give her a raise and keep her. BTW she spoke perfect English which is important to me, especially these days, plus I was a customer rep myself once. Great doing business with you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7b07eceb14ba49cd9302ada50ec5c4fc
encoding: FLOAT32
metadata:
{"chroma:document": "I found Merrick to be a great bank to have a credit card through. They are prompt with adverse issues, and doubled my credit line after showing good faith without my asking. I have a card with another bank, and do not get this same courtesy. Thank you for your service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 896efbb39ba34d40b7ea7079e1eb1d08
encoding: FLOAT32
metadata:
{"chroma:document": "I have been recovering from my wife's death and a foreclosure; Merrick Bank has given me the extra financial flexibility that I've needed raising 2 kids. I was expecting my credit line to increase when they said it would... and it did. Things are getting better for us... in part thanks to Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4711b0bae48d48b4b4e0995c177a3d6c
encoding: FLOAT32
metadata:
{"chroma:document": "I would recommend Merrick Bank, My experience has been positive. Opened account in May of this year with a client of $550. Within 6 month limit went to $1100 which was great. It help boost my credit score, so I look forward to sticking around, and I encourage my friends to apply as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b836d8e4b7634e079fe5bdf09a289fcd
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick's outstanding means to be accurate & fair means the most to me. Also the fact that they're trustworthy and dependable. If they say that you're due for a credit line increase they honor that date. Impressive!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f9427c57b9d04aa7a959abeeaab61b7a
encoding: FLOAT32
metadata:
{"chroma:document": "I have decided to write a Review on Behalf of my Credit Card with Merrick Bank. I apply for a credit card with Merrick Bank last year on August 2016. I thought I will be denied due to my credit score. I was very surprise that this Bank gave me a credit card with $500.00 and I had an increase in 6 month of $500. I pay my card before my due date which is the 21st of each month. I have never had any problems with accessing their website. They have everything up to date on my account. Their fees are reasonable and my credit score has been going up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 888b7e774147478d87dca9096e358522
encoding: FLOAT32
metadata:
{"chroma:document": "I have been very impressed with the Merrick Bank credit card. Their customer service is always stellar and the way that they calculate fees, etc is fair and keeps their customers in mind. I would highly recommend this company to my friends."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c9ae43f7c404da88109511fa6b1fe54
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Merrick for about 8 months and one of the reasons I signed up is because of the double your credit line. Well after 7 statements and on time payments as promise. My credit line was double. In addition they process payments fast."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 308082b0a0154f0cac1efd3bc7f1f55b
encoding: FLOAT32
metadata:
{"chroma:document": "The first time I used this card to make a purchase and the credit card company fails to notify me of my payment date or send a bill. However, the company was very good about sending me a late payment reminder. Very poor performance! I will be paying off my balance and closing this account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0a199ba1c6544329ae2bbe0e250e25f
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had my account for about 8 months. I have no complaints!! Merrick said, \"Pay on time, establish a reliable, consistent payment record, and we\u2019ll reward you.\" I did, and they did. Be an adult, be responsible, and you\u2019ll be treated accordingly. I have no problems with how Merrick has dealt with me, and you shouldn\u2019t either."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fba4cb94c0b847e48a5835f33b658d3e
encoding: FLOAT32
metadata:
{"chroma:document": "I have nothing bad to say about Merrick bank. They have treated me better than I ever been treated by this type of industry. I would recommend them to everyone that is looking for a great experience. I almost have an unnatural affection for them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 36eaae26a45d494186588698113268ff
encoding: FLOAT32
metadata:
{"chroma:document": "My account was opened two-three years ago with a $400 credit limit. After aggressive use and payments, in only a few months, Merrick increased the credit limit to $700 and then $1,400 after only a few more months had elapsed. Since then, I've been granted three more $200 increases on regular intervals and the limit is $2,000 today. Great. On the other hand, this account is the single and only revolving account I maintain - considering more than 15 relationships where my payment in full within the new cycle failed to qualify me for interest-free standing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 37b9ee4137bc45f694ee5c91d91d9fe6
encoding: FLOAT32
metadata:
{"chroma:document": "The best feature of my Merrick credit card was the credit limit doubled after I made a certain number of payments on time. I liked that very much. And I like being able to pay my bill with my phone. It's just very easy and valuable features I like to have in credit cards."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ef4708a8b2a4a32bd8d62eb980313ce
encoding: FLOAT32
metadata:
{"chroma:document": "It is easy to get to my account and view the statements. I wish it was easier to see transactions as I don't have Office on my laptop. I really appreciate the fact that my payments post very quickly and that my available credit is increased right away. I am going to quit using a Capital 1 card because it takes over a week for my payments to post."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d1261ff567754c2fa0ca6e714936e7f3
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick was the card I was able to rebuilt my credit with. They reviewed my account 2 times ahead and gave me $500 credit line increases each time. I have built my credit line with them as high as any of my major credit cards now. They do exactly as they promise and review your account every 6 months without you even having to ask for an increase. I wish they had more credit cards."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: decd538057874ef2b97c45f97f1f08be
encoding: FLOAT32
metadata:
{"chroma:document": "I agree like so many others I send my payments in 2 weeks before they're due and Merrick Bank has taken over 20 day past the due date to cash my checks. Then they charge the fee's and they say you're late and we didn't get your check on time. I have went to the post office and took a date and time stamp photo of myself mailing their payment. Well 15 day's over the due date they again cash the check and charged the fees. I told them that I have copies of the date on my checks and they match the date I mailed them and the photos. They just keep saying you were late getting the payment to us. IT'S TIME FOR EVERYONE TO STAND UP AGAINST THIS PRACTICE AND SEEK LEGAL HELP! If someone know an attorney who would like to represent us in a class action suit. Post it so we can all sign up."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: afc06801e0ed4b00a088bc4a132c1947
encoding: FLOAT32
metadata:
{"chroma:document": "From the very beginning Merrick Bank continued to ask me for information I'd already sent. When I finally got the loan, they wouldn't let me pay over the phone without a routing number and bank number. Sure, a company reserves the right not to take Visa Debit or Credit, but it is not in the best interests of their customers AT ALL. It jeopardizes the security of people info and leaves us vulnerable to identity theft. In addition, they charge people $10 for every phone payment they make and STILL refuse Visa Debit. So I decided to mail my payment. Which was never received and I was harassed by their people calling consistently to get a payment then told that their processing dept was behind. Not my problem but evidently they felt it appropriate to make it mine."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9862cedbde574b65bdd325e8c2654048
encoding: FLOAT32
metadata:
{"chroma:document": "I must say - I am impressed and very pleased. My score was about 620 (give or take a few) when I received an invitation in the mail from Merrick Bank. I went online and was approved for $700, as the letter stated. I used it sparingly, and paid each balance down before the due date. In 7 months, the Credit Limit doubled on its own - no action required on my point. I knew about the increase when I received a credit alert from Credit Karma in my email. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbe9074601c04038bb8f6a61e1b0a86d
encoding: FLOAT32
metadata:
{"chroma:document": "Initially everything is going to seem wonderful. Decent amount on the card... Increase after a few months of paying on time... and then the rip off starts. You will continue to make your payments on time but Merrick Bank will post the payments late and charge outrageous late fees... and that is besides that outrageous interest rates. Beware!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9282a3d2b07f462ea4eb399218f938be
encoding: FLOAT32
metadata:
{"chroma:document": "I recently sent in a balance transfer money order to Merrick Bank on 11/17/2017. The check cleared Merrick Bank on 11/29/2017. After a week of checking my (I'm an authorized user and payee) account for payment status, I found out that the payment had been placed in dispute status. Apparently they cashed my check and did not apply the money to my account while continuing to charge over limit and late fees. The amount that I sent was for payment in full. I have sent them the canceled check, my bank account records, and all of the required documentation. I was told that the \"investigation\" will take up to 4 weeks while I am still accruing late fees and damage to my credit on an account that I paid off. How is this legal?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a973f4b7ef0840398597ac2e037c6b22
encoding: FLOAT32
metadata:
{"chroma:document": "Back in September of this year I had called to request a credit increase. I was told by the rep on that day that the bank only does automatic reviews and increases and that my account would be reviewed in November. I called today (December) to follow up on this and I was informed by another rep that it would not be reviewed until at least March of next year. Imagine the surprise when I was upset because I am being told two different things. Seriously considering finding another company and leaving Merrick in the dirt."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b5317f2f4a146b3a9e7a651b91f6013
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has fulfilled the promise of doubling my credit line. No other company has offered anything this good. The only flaw I have found is the minimum payment amount. Would like to see 25.00 instead of 35.00. Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91975ddf095040fcab17c444fa811409
encoding: FLOAT32
metadata:
{"chroma:document": "Information for Cash Advance - The Customer Service Rep was very Helpful in reminding me that the information I needed was in the packet sent to me by Merrick Bank which I had forgotten about so I was Able to do what I needed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d16a70c2e5294cf28855cfbc34d96016
encoding: FLOAT32
metadata:
{"chroma:document": "I had very good credit until my experience with Merrick Bank. I've been a cardholder for 4 years, always pay on the 3rd of the month. They hold my payment until it is 1 day late & then post it! Of course charging me a late fee. They've done this 2x in the last 3 months. So I decided to pay online instead. They now claim they never received that payment also! I'm done with them. Be very careful!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fd9320af5ce541bab5db4d39230c83b1
encoding: FLOAT32
metadata:
{"chroma:document": "I would recommend Merrick as a credit card honestly; I have not had any problems with the credit card or customer service. They increase by credit limits on a regular basis to a very decent limit. I am satisfied."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6727a69736f42aab4f90a14f95a2f72
encoding: FLOAT32
metadata:
{"chroma:document": "I've had a Merrick Bank card for years and have always been happy with the service until today. I paid off my card and haven't used it in a year but then used it a few days ago and then today I received a letter that my card was closed due to inactivity, that it wasn't a credit issue. I called the card company and they claimed they sent a letter advising me it would be closed but the letter came back as undeliverable however for some reason I received the letter about closing the account. They refuse to reopen and I can't open another account with them unless I open a secured card only. What a horrible way to do business. I even asked if they had tried to call me or email me but she wouldn't acknowledge that at all. I'm furious. I always paid my bills on time and never missed a payment and this is how I am thanked. DON'T DO BUSINESS WITH THEM."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98d7bd2454b244c29a67a7fe4280aefd
encoding: FLOAT32
metadata:
{"chroma:document": "I responded to their offer. I was informed that any 7 months of payments, my line of credit would increase. I've never been late, always paid extra every month. It's been about 10 months now. When I inquired about this, I had to fill out another credit card app, and was denied the increase. Don't waste your time with this deceptive practice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c2b3f8ac41ea432384ac9805e2459414
encoding: FLOAT32
metadata:
{"chroma:document": "I love this company. They have excellent customer service. I had questions on a weekend about possible fraud on my card and customer service was right there to give me peace of mind and protect my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b0e5be334ac4750a7b3b56a5c199624
encoding: FLOAT32
metadata:
{"chroma:document": "My husband and I each have a credit card account with Merrick. Every time my husband tries to log in he is told that either his password or his username is incorrect. He is forced to change his password to log in. The next time he tries to log on, it's the same story. His password has to be changed each time he logs on. Today the same thing happened to me. I changed my password, and later tried to log on and was locked out. I have never had this experience with any other credit account. I called the company and the agent said all he could do is have me change my password."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ba42672d249a420cbe45444875b971da
encoding: FLOAT32
metadata:
{"chroma:document": "I am very thankful for Merrick Bank. After filing bankruptcy I didn't know how to work on my credit score. Merrick Bank offered me a card and it has been great! I truly appreciate them. After making my payments on time Merrick even raised my credit limit. For this I am very appreciative. I would definitely recommend a friend for their card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a834fe3975a046f6a8918a75e0a58bbc
encoding: FLOAT32
metadata:
{"chroma:document": "I put in my payment and you are holding on to it till 10/30 and I paid it on 10/23. What's up with that? Man you just make me want to cancel my card. I just cannot believe how you treat your customers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 07e5a5aab2be4ac98a02d052940f70c7
encoding: FLOAT32
metadata:
{"chroma:document": "I have been treated fairly and cannot find a single complaint with the credit service Merrick Bank has provided. My only suggestion would be that when they are determining if a person is more creditworthy after a certain time period, instead of constantly raising the credit line they may perhaps lower the interest rate in the same fashion."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dc882e0383ae47b1ac00784d0c16479a
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank promised to double my credit line after one year of consecutive on-time payments. They followed through without having to request an increase. They report to the credit bureaus regularly and helped my credit score go up, dramatically. In addition, their Fraud Prevention department is on top of irregular and out of state transactions. I'm a flight attendant and frequently receive phone calls from a fraud agent to verify my out of area purchases. The only negative feedback is sometimes I'm stuck on hold for an extended period of time to talk to an agent, but it's not too often. Overall, I'm happy with the professionalism and integrity of Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d95c7d5061474adb81e9b366df757286
encoding: FLOAT32
metadata:
{"chroma:document": "Because of your giving me the opportunity to use your service I was able to get my credit straightened out and put it in very good standing, not a lot of credit card companies had given me a chance and Merrick did. I always carry your card in my wallet."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a8974c63e50042839c3da28c7f9d5674
encoding: FLOAT32
metadata:
{"chroma:document": "Your business trusted me enough to give me a credit card. I really appreciate that. By using it and paying it off each month I am building my credit up. So I give you a 5 star rating. Thank you so much by believing in me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 93f343e179db4d21a90ce6cc5916d02e
encoding: FLOAT32
metadata:
{"chroma:document": "I would like to appreciate the services of credit card score, alert service and keeping the promise of bumping up credit limit once a customer pays on time his/her balance for a number of months. On the other hand I don't like the user friendliness of the site, the summary of transactions list and navigation aspect. Redesigning the front-end with a more modern template/bootstrap and improving the navigation easiness would result in higher customer attraction and satisfaction. Let me know if you need my expertise on that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a505e32d7e85481886ba0ef29cd92340
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a Merrick Bank visa credit card for about 3 years. I have always paid on time and they always raise my credit limit. I am at 2700.00 now and owe nothing. HOWEVER, for no apparent reason they keep jacking up my APR. I started at 19% and now I am at 29%!!!! I leave this credit card open for the credit score rating and extreme emergencies!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 252d61b8113a41b4a00ba26ec091f8e8
encoding: FLOAT32
metadata:
{"chroma:document": "I see I'm not the only one they are ripping off with late fees even though I send my payments in 2 weeks before they're supposed to be there. This company is terrible. I suggest you run if you see anything from their company. Do not open a credit card with this company. Go with a reputable company like Capital One. I was going to put my review here with 0 stars but they made me put one so that's the Consumer Affairs. It should be negative five stars for me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f77e3f109d542119394f141a4819dd7
encoding: FLOAT32
metadata:
{"chroma:document": "Overall my experience has been pretty good. They seem to be honest and fair with helping people get their credit back on track again. I have been with them for over a couple of years and have only been bumped up once for a credit increase that I did not ask for which was a surprise. I would like to see them offer to not collect an annual fee like some of the other CC companies do. I have referred them to some other people I know. My reason for a 4 star is because of the lack of credit increases even though I now have a much better credit score and charging an annual fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6795ed8f5ca448b197a17b867098890a
encoding: FLOAT32
metadata:
{"chroma:document": "I have really enjoyed my experience with Merrick Bank so far. I have had no issues being able to use my credit and my promotional offer was applied according to the terms, without me having to do anything. I enjoy the convenience of being able to check my account quickly using the app and I find it simple to navigate through both the app and the website. It is easy to set up auto payments and even easier to change/add/delete payments both on the website and in the app. I would definitely recommend Merrick Bank to friends and family."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fab29033fad447ab82e91fe661ca921c
encoding: FLOAT32
metadata:
{"chroma:document": "What I love about this card I have I don't get junk e-mails and it's easy to maneuver online. Great bank. Thank you. The one change I would make is automatically lower the consumer's interest rate on their credit card when proven they handle their account well after so many years."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c1b581bcfe140048e4b22d54d16dde9
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a positive experience with Merrick Bank. I responded to an offer for a credit card, and it was very easy to set up a new account. Making payments is also easy. I would recommend Merrick to someone in need of a credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7585c38018cf401eb7eb5f6bd66f23ed
encoding: FLOAT32
metadata:
{"chroma:document": "I was going to give 4 stars, but the app update earlier this year really boosted my ratings about this bank. I've had a Credit card for many years with Merrick and they have consistently met my expectations for a card. I would like the yearly fee to disappear since I've been a Customer for so long and pay my bill on time every month. That would be my only suggestion for improvement."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4dc2c8089dbc43b786c48c619879c76d
encoding: FLOAT32
metadata:
{"chroma:document": "I was excited to receive my credit card, I am very responsible when it comes to rebuild my credit after recovering from a trained. Everything was going great. I mail the payments for all my bills at the same time. The 3rd of each month, my due date for Merrick is the 17th. Somehow all my bills are credited no later than the 7th. Merrick claims to receive my payment on the 18th but does not post it until the 22nd of each month. Therefore I get a late fee every month. I was credited back 35 once but they have not given me a response on my request. I also sent in a 65 payment they claim was never received. I am now dealing with the money order company to find out if they were cashed. I am cutting this card up and sending it back to them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85c093dae48d4dc3a8f5362fd564bc67
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank was the first bank to give me a chance to rebuild my credit. I have nothing but positive things to say about them. Then today I went on to my account as I usually do and to my surprise they increased my credit line. Thank you so much for being a great bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de9e658aa389413fa435bd83e7a6b627
encoding: FLOAT32
metadata:
{"chroma:document": "I got my monthly statement and found a 38.00 late. My bill is due by the 27th and I paid that bill at 5:53 Eastern Standard Time. Technically it should have been credited on time. My bank shows paid, but they are claiming it wasn't credited until the 28th. My bank statement also shows it actually wasn't received until the 29th. Spoke with customer service and they say, it wasn't paid until the 28th, so you know. You gotta pay us. I've caught them in a lie, T-Mobile shows phone contact with them on the 27th at 5:53 pm. Go figure, Federal Trade Commission complaint time!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c29ffb8094e2437e888fe8095c64c980
encoding: FLOAT32
metadata:
{"chroma:document": "I've been a member since May 2008 - nine years. I've never been over 60 days late on payment yet Merrick has been reporting negatively on my credit report. I requested that my credit limit be increased and the rep read off some nonsense that customers cannot request a credit increase; that Merrick periodically reviews accounts for increases. Well... it's been 9 years... No increase. My guess? They've been erroneously reporting my account as negative so they automatically passed me over for an increase without confirming whether the account is really a negative one. I hate them. I am closing my account as soon as they fix the drama on my credit report. BTW I've already contacted all three bureaus and launched an investigation. Merrick is a waste of my time and money. I want a credit card that actually has perks and doesn't make 9 years of mistakes in reporting customers' accounts. They have been doing me dirty for years and I'm sick of them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8cf46afe37ad42ac9e637d773035d9be
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a Merrick credit card for over 4 years. I used it for exactly what their purpose was. Rebuild/establish my credit. All was fine. I charged it up paid it off. Established a good history with them. I have had it completely paid off for almost 2 years. I only used my credit card when needed and not by living above my means. Today I received the ONLY form of communication from them through the mail stating they had closed my account due to INACTIVITY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac2e258b2bc1456dbad4055eb63448b2
encoding: FLOAT32
metadata:
{"chroma:document": "I set up recurring payments and they submitted 3 times, I called them about this as they reversed the payment and came to say my payment was delinquent and reported it to the credit bureau.They Ignored the issue. For anyone having issues with the bank report them to the \"CFPB\", apparently this is common and they continue to get away with along with charging late fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5830f57cdcb846ff9693e1ac4fb99997
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick bank payment due on the 17th which I been paying on for the last three years. I got my mail on the 19 that month. Call the bank, talk to Mary **. She said, \"Make the payment on the phone with us now and you won't get charge late fees.\" Well just got my bill on 9/30/2017 with the late fees!!! See you later Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc4afb05f7374234b35b129258e70ee4
encoding: FLOAT32
metadata:
{"chroma:document": "I have never experienced such friendly service when it comes to credit cards. I use this card the most, after 7 months just like the offer said \"after 7 consecutive on time payments, we will double your limit\" and they did. Just amazing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 017601147e62437fafa926488bd2834e
encoding: FLOAT32
metadata:
{"chroma:document": "I'm on SS and get paid on 3rd of each month. I send out check on 1st or 2nd with all my other bills. Other creditors post payments no later than 8th. Why you don't post till 20 something is just a way to charge more interest. I know I'm only 1 little account but if you do this to all your customers 1 or 2 cent times the millions of customers is a LOT OF FREE MONEY. I'm not late on my payments. Last month I made elec. payment so not to give you more than was due by your representatives dragging their feet posting payments. I know that I'm not the only one you\u2019re doing this to so clean up your act."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1bafd74b8f6b4985b8935ebee84ae90b
encoding: FLOAT32
metadata:
{"chroma:document": "I will never use my Merrick Bank credit card again. I've never disputed a charge before and the one time that I did Merrick Bank made me jump through so many hoops to dispute the transaction and never refunded the money after telling me they were going to. Instead they mailed me a letter asking for the same information I had already given them twice already and they said that if I did not respond by a certain date that they will assume the merchant has taken care of the issue. The problem is by then the time frame had already gone and passed by the time I received their letter in the mail. This is a very low-end credit card and only good for beginners trying to build credit. Definitely not a credit card to be using once you are established."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46bd51703bb645a5bb79f491869a210d
encoding: FLOAT32
metadata:
{"chroma:document": "So far, so good. Merrick Bank has held up their end of the contract and has done what they said they will do. The offer was to make on-time payments, of course, and they will double the credit limit. This was done with no issue or even before I knew it was time. The interest rate is a little higher but that's to be expected. This is a rebuilder credit card. I have not had any problems with the use or in payments posting so far. Their website could be simplified as it's not as user-friendly as it could be. Overall, I am still happy with Merrick Bank and its product."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6a8ff3aed4ca43508417eaa2f2bdb0f8
encoding: FLOAT32
metadata:
{"chroma:document": "Start at 700 credit available, nearly max but I keep paying on time got raise. This is Good credit bank no complaints, felt this Merrick Bank is far better than a well known Captial One. Glad they approve me. If anyone asked me which branch they should apply for credit card, I would recommend them Merrick Bank, thanks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fdb5014d96d24c639c48da88c3eb020f
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a card with Merrick for about 9 months now. Everything has always went smooth and there have never been any problems. They told me to pay on time for 6 months and they would raise my limit. As soon as that had happened they raised my limit, I didn't have to even remind them. I would definitely recommend Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb0802c4bac54446b11dd867f82d91f7
encoding: FLOAT32
metadata:
{"chroma:document": "Since opening my account with Merrick Bank, I have had nothing but positive experience with them. I find their pages easy to use, questions are answered easily. It is not difficult to find out my balances, my payment, dates due, my limits. Everything I need to know about my account is right there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b2b97ea4e9a4aae921a7c54b97b57bc
encoding: FLOAT32
metadata:
{"chroma:document": "I really appreciated that fact that I was able to have advanced cash back within a short period-of-time. That meant a whole heck of a lot. I was able to pay what I had to pay and in return pay Merrick back in full. Thank you for such good services!! More than satisfied."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5cfe3fb20d2c41388e3a283fc4292329
encoding: FLOAT32
metadata:
{"chroma:document": "I not had any problems with this company, you live up to your end of the agreement and they will live up to theirs. I called customer service a couple of times. Was easy to get through and the representative was friendly and helpful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60e292cfa0f341b2a663f4174c032d4f
encoding: FLOAT32
metadata:
{"chroma:document": "I've been pleasantly surprised with how much I've enjoyed doing business with Merrick Bank as a credit card Customer. The website is easy to use. I can service my account efficiently. When my card number was used fraudulently, it was caught immediately. I was thankful of how quickly this issue was resolved."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9c821d43e6d43008bbbe0615d9704d3
encoding: FLOAT32
metadata:
{"chroma:document": "I don't have any complaints about Merrick. I enjoy having them as my credit card company. I will say the app/website seems not very modern. I'm used to doing everything online and the experience there seems a little clunky compared to others like Citi or Bank of America. But it still has what I need and is easy to navigate."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3a36104988a14b67b21145e2e5adcad5
encoding: FLOAT32
metadata:
{"chroma:document": "I appreciate my credit limit being raised recently. While it reflected positively on my husband's credit score instantly who shares the account, it has not shown on mine. I called Merrick Bank customer service to request assistance with this discrepancy but was told they couldn't help. Discouraging when I am trying to build my credit with this account yet it's actually not helping while my credit availability to limit ratio is not accurate."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d9f9f05bdaf74faf8ee3d4e65f1f305b
encoding: FLOAT32
metadata:
{"chroma:document": "I would recommend to anyone. They are a very good company and I love my card. Easy to access my account. Really love that. Have not any trouble with them at all. Have had my card for a few months and no issues. Paying your bill on time and before really pays off."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 189d0bfab5d6434f8c999a41d73dc7be
encoding: FLOAT32
metadata:
{"chroma:document": "A very well organized Bank. Mobile page fast, accurate and up to date and easy to navigate. FICO scores available monthly. My credit limit was doubled after only eight months and didn't have to request an increase. I have some uncovered Medical procedures coming up and plan to use my Merrick Bank card. Thank you for providing a great customer service experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0f5722495384d6c9bad3f9223d8261e
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying to dispute a charge on my card. A rep at Merrick told me I need to fax a written document. I have faxed 5 times in last week and not once has it gone through. When I call Dog in disputes is rude and has no advice on how to get them to you. Maybe I will close my account and go with a company who has working machines. Very disappointed with customer service and attitude."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b4a332a0b9264811bba411ce67a07f10
encoding: FLOAT32
metadata:
{"chroma:document": "The only problem I have with the bank is that you mail your payment 12 or more days earlier and they still ends up charging you for late fee. I can you be late mailing your payment in that much time earlier. Apart from that to me one of the best bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc43bed6b70c4a929333ffaa5dd007ff
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick has allowed me to rebuild my credit. It takes a long time to repair your damaged credit and they gave me a chance. I have not let them down and they have not let me down. Thank you for the opportunity."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1cbaef50046e45818a70e25f4ba2372a
encoding: FLOAT32
metadata:
{"chroma:document": "Your $95 'acceptance' fee for merely *receiving and using* the card, should have been in BOLD at the top of the offer letter. Instead, it was buried in the body. Had I known there was this fee upfront, I would not have accepted your offer for the card. I already HAD a credit card, given freely without fee by my Credit Union. I only now accept card offers WITHOUT this fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6f0cd98f2764771979f06540c6b2146
encoding: FLOAT32
metadata:
{"chroma:document": "Getting my Merrick Bank Card has been of the best experiences. They have been exactly what they said they would be, with promised Limit increase and accurate reporting to the Credit Bureaus. I like them because they don't have all the crazy fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be00a1bee4f04ebf81ce79479a236a74
encoding: FLOAT32
metadata:
{"chroma:document": "Charges and no rewards program. That sucks, being loyal customer and making the payments in full does not drop the Monthly/Annual Fee. Encourage more and more people to write reviews, who are in the same boat. They don't even have a rewards program so, we can use card and earn points and claim rewards. There is no purpose to spend using this card..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b9a6ca969ac74205b62e991209e0c677
encoding: FLOAT32
metadata:
{"chroma:document": "When I received my card from Merrick Bank it was a five star company and just today I received a letter stating that my account will be closed due to not using the card for the last year. This is not due to my credit history with them or others. Which my credit is perfect, no late payments of any kind. All bills are always paid in full. It also states that even if I use the card in the next 30 days the account will still be closed. They dropped my card from 1200 to 300 already. So if you want to have a card for a rainy day this is not the one..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ed6b3592ad194030a458260f44dc0140
encoding: FLOAT32
metadata:
{"chroma:document": "Website really easy to navigate and make payments. Love credit score update. Satisfied with periodic credit increases. Wish for automatic interest lowering review semi annually or quarterly. Would like to eliminate annual fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad6f75828a004a57ac76db688ba658cf
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a business loan today. All my credit cards are paid off. I am do proud of myself. Only to get a denial for excessive late payments. Apparently there is a 2.00 monthly charge applied monthly to my Merrick credit card and my last month's score was 740, today I checked it's 657. I called to find out why didn't get a courtesy call for the 2.00 monthly charge. I would be glad to pay. Her response was an email was sent to an old email address. When I checked I felt so violated I cancelled the card. It was only 2900.00 credit limit. But to ruin my life for 6.00. And technically it was 4.00, the 3rd 2.00 was due later this month. Morally I believe this is wrong, and this report should be rescinded. I felt so helpless I just sobbed for 5 minutes. I am usually a strong woman. This incident just shook me to my core."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 55c3847f7303493d81803b479b3eb0d9
encoding: FLOAT32
metadata:
{"chroma:document": "I have had only good experience with Merrick Bank. The website is easy to use and all actions with Merrick have been very pleasant. My card is accepted everywhere and have had no issues with the use of it. I would recommend Merrick to any of my friends."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 108b6983451243f6b22a0e74a2ec1e67
encoding: FLOAT32
metadata:
{"chroma:document": "This bank offers a line of credit increase if with 7 months no late payments are made. Yet when you make your first payment over the phone through the automated system it apparently sets your payment up to be pulled the next month's due date therefore making your payment late. I noticed that the payment had not been pulled from my bank account after a week so I called them and questioned why the payment had not been pulled. And they said, \"Your payment shows pending to be pulled out on the following months due date.\" I told them, \"No. I had made on the due date and the phone system said payment has been processed.\" So I then told them to reverse that payment that shows pending and process my payment immediately. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d00aec43084494fa63ff273f8b2cc49
encoding: FLOAT32
metadata:
{"chroma:document": "The first few months of having their credit card was fine, then around the sixth month with absolutely no changes in the way or time I sent my payments in they started posting late. I called the bank only to be told \u201cIn your contract it says we need 15 days or more to post your payment\u201d, WHAT? How would the payment ever get posted on time. I sent my payments in with three weeks to make it there and I am told that's not enough time!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 04e0e7523652411fb909ddcdbb2bd3f1
encoding: FLOAT32
metadata:
{"chroma:document": "I like all the features of this card. I've had cards in the past and present that stick you with unnecessary fees that almost make it impossible to repay and I like that this card doesn't have those which in time I'll be able to pay it down and hopefully off. Not to mention that I have one card in particular that the payment fluctuates with how much is charged on the card which makes me like this card even more since that doesn't happen. Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ccbabf161cdc4ca0a19eda33966a1aba
encoding: FLOAT32
metadata:
{"chroma:document": "I am happy with the card. The interest is high and getting hold of CS, via any method other than phone (when you can reach them that is) is impossible. I do wish that CS was reachable via methods other than phone and mail."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4416bb87182341b7a7c0d3661edc8300
encoding: FLOAT32
metadata:
{"chroma:document": "I am thankful for Merrick Bank giving me the opportunity to get my credit back in shape. I had a few bad years with dealing with my significant other's cancer. Some bills became overdue. He has since passed away and I am trying to rebuild my life."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11867923d455407d8649a46eb2cdedf2
encoding: FLOAT32
metadata:
{"chroma:document": "Never had any problems when calling the 800 number. Always professional and courteous when dealing with customer service. Online, the website is user friendly and I am able to look at my credit score each time I log in. I am very satisfied."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02cf066374b44d948854571065f0b2b7
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick has great customer service and an easy to use app for easy access to your account and transactions. Their payment process through the app is smooth. The only thing I wish they would do is to participate in Samsung Pay and/or Android Pay. I have used these services before and they are very safe and satisfying to us. If Merrick could get on board with one or both of those, I'd be a very happy person."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 67442b61204a43419c0341e19dc85afd
encoding: FLOAT32
metadata:
{"chroma:document": "I am super thankful for Merrick Bank restarting my credit and making their tools available to help me monitor my credit. It has been years since I have been able to have a credit card of any kind with my very shotty score. But Merrick has saved me now my score is in the 700's."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc1f6b08d3c042a5b46fbb333a7d1e9c
encoding: FLOAT32
metadata:
{"chroma:document": "Words fail me to describe my experience with Merrick Bank. Suffice it to say it has been an amazing journey that has exceeded all my expectations. Merrick Bank is one of those things you would think could only exist in the realm of imagination."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 318fc17c467f4da18625b11492f78644
encoding: FLOAT32
metadata:
{"chroma:document": "It's been barely an average experience. If there was a 2 1/2 I'd choose that. Nothing stands out; interest rate is high, fees are high, and no rewards. I did a balance transfer to another card and the check was returned as the wrong address (which it wasn't) which delayed the whole process. I wouldn't get this card again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d47a86c13044300b0dd66ed395ff92c
encoding: FLOAT32
metadata:
{"chroma:document": "Excellent. It is a great card to have. Customer service very easy and helpful to work with. Wish my other cards customer care were as pleasant and helpful as this one. I certainly tell my friends to apply for this card. The only thing that could make it better is if my interest rate gets lowered."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 337346d25f434638aafe7d2b2708a383
encoding: FLOAT32
metadata:
{"chroma:document": "My experience has been decent so far. My only complaint is how high of an interest rate they have vs. competitors. But, if you have poor credit and are trying to rebuild it, you have to take what you can get."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5d8f1e65a81f4fb98900184a6863de49
encoding: FLOAT32
metadata:
{"chroma:document": "My account was supposedly closed months ago when I had paid off my acct. I got a late payment notice through one of my credit monitoring sites this morning. I called to find out why, considering the people at Merrick Bank are the ones who told me they closed my account. I've had this acct for roughly 9 years and have always made my payments. They refused to remove the fees and annual fee. I cancelled the card for sure (if she actually did as I asked) this morning. If I ever have to deal with this shady company, it'll be too soon!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d1822d62fb945a6a7893e5593ba4577
encoding: FLOAT32
metadata:
{"chroma:document": "I'm pleased with my Merrick card because after less than a year of on-time payments my CL was doubled- I didn't however, get any notification of that which would have been nice but I eventually logged in and saw the increase."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bdd5955905e64f7cbd69cceac111483f
encoding: FLOAT32
metadata:
{"chroma:document": "I had never heard of Merrick Bank prior to receiving the credit card offer in the mail, but when I read over the terms, I was pretty impressed and decided I would give them a try. They have been super easy to deal with, extremely professional and I simply couldn't be more pleased - first class all the way. I will be a loyal customer for years to come."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5ede660baa674c2294a8d4d2748cb17d
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick is definitely not the card that \"screws your over\" like some of the reviews mention. My guess is those people aren't very responsible and look for the opportunity to blame someone else. I get regular increases and never have issues."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4db85803148c4285a9e7917c41c180d5
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a card with Merrick Bank despite some negative reviews which I should have taken more seriously. I believe this bank purposely processes payments late so that you get charged a late fee. I sent my payment in plenty of time and was shocked to see a $27.00 late fee. Do yourself a favor DO NOT APPLY for a credit through this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb5cb8e4c28847ffa54ed0d0c173a4b1
encoding: FLOAT32
metadata:
{"chroma:document": "I always mail my payment 1 to 3 days of getting my statements. Mailed Credit One off the same day, payment posted on the 8th. Merrick as of the 20th when my payment is due still haven't posted which now make me late. Trying to rebuild my credit. Can't do this with companies with these type of practices."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc1a764dde574586a6865f80219c3f41
encoding: FLOAT32
metadata:
{"chroma:document": "My dealings with Merrick Bank have been subpar. I have had a card with them for 2 years. My account was closed and charged off with no notice or even a phone call. I have had issues with my bank which have since been resolved. A phone call could have prevented this situation. For a company that claims to help consumers they have completely ruined my credit. 1 letter and no phone calls? Would be... Could be... Might? Is no way to run a bank offering charge cards to build or reestablish credit. My suggestion? Don't do business with Merrick bank!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c8180e679f246beb91f0251d26c3134
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had this card about 2yrs or so. Until this year (Jan 2017) they started processing my payments after the due date and charging me the late fee plus interest! I called them. Nothing happened so I contacted the FDIC and voiced my complaint. Merrick then credited the late fee for 3 months. They told the FDIC that they had mail delivery problems due to bad weather. Bad weather for 6 months? Really? Well they did it again so I had to file another complaint. I\u2019m on social security and I mail my bills out the same day every month. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: da00e6f5672648e9b4c3c6c9c6f44fa6
encoding: FLOAT32
metadata:
{"chroma:document": "I had my Merrick Bank card for several years. I was unhappy with the very high-interest rate, but I paid the card off three years ago and just kept it on hand for emergencies. Then the Merrick Ripoff started. I had never been so much as a day late with a single payment, and I paid off my Merrick VISA card balance way early. Then, when a relative had an emergency I let her charge $1800 on my Merrick card and she agreed to make the payments. She has done this, and still never a late payment on the card. And yet, for some unfathomable reason other than corporate greed, out of the clear blue Merrick Bank sent me a notice that they were jacking up my APR to 28.45% (and 33.45% for cash advances). This is in addition to a flat $4.00/month that they charge for, I don't know, the privilege of letting them screw me over with ridiculously high-interest rates? It's greedy companies that do business like this that give Wall Street such a bad name."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b3696c5673a4cad8495332a2ab8789c
encoding: FLOAT32
metadata:
{"chroma:document": "I usually send a check through my bank to make my credit card payment so I have a record of the payment. Over the past two years the payment has posted to my account on the day my bank says it should be there. This time I sent a payment to pay off the credit card and the payment didn't show up. I contacted Merrick Bank on several occasions over a thirty day period to see if they received the payment. They said it never came so they suggested I have my bank cancel the payment and reissue the check for security purposes. I did just that. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e829e93206894e408da717c11415a1de
encoding: FLOAT32
metadata:
{"chroma:document": "The BEST card to have! - ABSOLUTELY NO upfront program or annual fees to pay, and as long as you make your payments on time you will get a credit limit increase!!! Even though I had bad credit and with me trying to rebuild it; I was given another chance to prove to creditors that I can and will be responsible! Thank you MERRICK BANK for giving me the opportunity and for keeping your word! :)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66579a96cdce4640a406635208a1bb6f
encoding: FLOAT32
metadata:
{"chroma:document": "I have appreciated having this credit card. The service has been very useful. I find your web page to be a bit awkward from time to time -- the dropdown menus are very sensitive. Now that I have proved to be a reliable customer, I appreciate a larger line of credit but I would even more appreciate a lower interest rate. I will be shopping around soon."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a13051a02817463ab55b85b2c5368d56
encoding: FLOAT32
metadata:
{"chroma:document": "I have always been given prompt, professional, knowledgeable service from Merrick. They are courteous, patient and friendly and will do their best to resolve any issues immediately. They do what they say, when they say and follow up to make sure if customer satisfaction. I would recommend them to anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d54672174bc7456890fb7982b62b6796
encoding: FLOAT32
metadata:
{"chroma:document": "I am very please with the credit card company. Everyone is very helpful and professional. Great card as well. The only thing I wish the limit on the card would be higher. Other than that perfect all around. :)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c6c314de9094e73a3caf777ffc19c92
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick Bank online is a very good one. It is so easy to understand the layout, and maneuvering through each section is such a breeze. Also, maintaining your payments on time, has its rewards."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c85daa460c9c49e496dad372c5e18f73
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank helped me get back on my feet! After my divorce, I struggled because I had no credit in my name. Merrick bank approved me for a small amount, and over the years, after paying on time, I've been able to increase my credit limit and my credit score! They have been an important factor to my financial success!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e989d78d58c44a4680980cd24504b05f
encoding: FLOAT32
metadata:
{"chroma:document": "I joined Merrick Bank because they promised to double my available credit after 6 months of paying on time. They did as promised. They also have easy to read statements and on-line payment. I am happy with this credit card company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f9c473706f143ac863fa09356c6b380
encoding: FLOAT32
metadata:
{"chroma:document": "I made $500 payment from my checking account on 6/20/2017 that wasn't fully credited until 6/27 I was told for verification purposes. This hold seems unreasonable and will affect my likelihood of using this card in the future."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c09dd4c78fde4105abf2907bd904f210
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick has been wonderful on helping me rebuild my damaged credit, after my husband destroying it by making me and my 11 year old pretty much homeless. It's been a struggle. Without credit it's impossible to establish yourself to obtain anything. They monitor your account and quickly pick up on fraudulent activity. They notified me right away. All I can say is thank you for a second chance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 01861db20514413fa0c581229d715fa2
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has been wonderful for myself and my wife. Given the opportunity to rebuild my credit, Merrick did exactly what they said they would do. The website is easy to use and I appreciate the opportunity to be trusted again. My wife has also opened an account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f2aa34d324f847dba7d362bddf286d21
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has provided great incentives for making timely payments. I appreciate the double your limit program when I made 7 consecutive payments. Customer Service team answered any question. Very pleased with Merrick Bank!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ba5495c9efc4a5ebdad9919d29dbe20
encoding: FLOAT32
metadata:
{"chroma:document": "I use Merrick Credit Card for a lot of my purchases and have not had a single problem. If you need to contact the customer service department they have been helpful and friendly. I would recommend Merrick Credit Card to my friends and associates."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c3016bf20c2f4d5c9c8e1a25450cf13d
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has been a good resource in establishing and building my credit. They are responsive and supportive to customer needs. I had not heard of them before, so I'm so glad I was given the opportunity to apply for their card, since it's been a great and dependable one to have!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ccc1d0cab464a4e8e6099faf1f78926
encoding: FLOAT32
metadata:
{"chroma:document": "I don't like having to paying a service fee for A 2nd card or yearly service fee either with the high interest rates. Chase nor Capital One Charges me any service fees. That's why I paid the card off and stopped using it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e7cb00333b1e48aaa63ddebba7ac5997
encoding: FLOAT32
metadata:
{"chroma:document": "I have not had to contact customer service but I am able to do everything through the app on my phone. The app is a great way for me to maintain everything and pay more statement on time every month. Thanks Merrick!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5461777e5e5a4b5aa70a8c16cdf79006
encoding: FLOAT32
metadata:
{"chroma:document": "I have been pleased with my Merrick Bank card thus far. I am not pleased that there was an initial set up fee, and now an annual fee. But other than those two factors I am pleased with the card. It provides for all of my consumer needs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 76d831ea3dd740ffb8fdf3f23a4dcc55
encoding: FLOAT32
metadata:
{"chroma:document": "Just finished my first year with Merrick Bank, have been re building my credit and Merrick was my start. After this first year my credit score has gone up and they have been a great help. Couldn't ask for a better service and excellent rates. I plan to keep them as my #1 credit and can tell my line will get stronger. Thank you Merrick Bank!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: acbdd1ac00c74c7bbab164c7a5a848e9
encoding: FLOAT32
metadata:
{"chroma:document": "I am so sorry I ever accepted a credit card from this bank. It does not matter how early you mail your payment. They will not process it until at least a week after it's due thereby allowing them to charge exorbitant fees. I hate this bank, I do not have a high balance and pay well within the 14 days of the due date but each payment I have sent has been processed after the due date. I use Chase bank for another account and never have any trouble. Payments are received and processed with a week. Even if they are mailed via USPS. Lesson Learned I'm closing my account with these gangsters ASAP! DO NOT USE MERRICK BANK."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54af5e140c9a47398d909dcb6ed4599c
encoding: FLOAT32
metadata:
{"chroma:document": "I don't use my card anymore because I was making the minimum due, but wasn't getting anywhere as far as my balance going down. I paid more this month, hoping it would help. Now, for next month, they want $70 minimum due rather than around $39. Last time I spoke with them, I talked with someone in India. They are impossible to understand and I don't have the time to waste trying to talk to them. I want to cancel my card without having to speak to someone. Had I known dealing with them would be such a problem, I would have avoided them like the plague."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54c3e9d4410f4c44b2b3538c96311e04
encoding: FLOAT32
metadata:
{"chroma:document": "I was offered a credit card with this bank, only to find out the offer has ran out. I have never had a problem like this, why offer in the first place. This bank is full of crap and now I will never do business no matter how much they offer me to apply. Don't go for such a scam as this is!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef5d3f242e8340dea5ad2dbbab15e3a2
encoding: FLOAT32
metadata:
{"chroma:document": "I'LL NEVER DO BUSINESSES WITH MERRICK AGAIN. I paid the full balance of $ 128 and mailed it on 6/1/17. It was due on 6/5/17 now they say the previous bal. was 174.77. They wait to cash the check so you'll be late. It's a scam. I cut that card to pieces."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 26fb2897d7104e10ad1b8b5358e9ff2f
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank notified me and asked me a few questions about my account and they advised me what to do and they closed that account and opened a new account with a new credit card without any charge to me and they even put back the money my account was charged before the account was closed. They also gave my account credit increases upon their review of my account. Also when my bank stopped a payment by error they didn't charge me a late fee or raise my interest fee. Their agents are very professional even when I'm locked out because my password didn't work. They walked me through the password change."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8acb64479b2241db8a3986d92f719fb6
encoding: FLOAT32
metadata:
{"chroma:document": "I received a pre-screen for a Merrick credit card and did quick online approval and was approved. I received card in the mail and NEVER used card, and was sent 1st bill for $155!! Annual fee and some other fee that was deducted from credit limit. It is as though you are paying for a credit card! I did not pay it and contacted them to cancel card and that I hadn't used it and didn't want it. They did\u2026 and reported to credit bureau! Now, I have negative mark on my credit for card I never used. I owe them for accepting (which I won't ever pay) on my credit! Be careful when accepting this high interest!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6650e741abcc4c1b9a5b00c47f26435f
encoding: FLOAT32
metadata:
{"chroma:document": "This place is a scam. How you gonna charge 100 to activate but then tell me I need to pay 15 just to speak with a representative. Then said rep tells you that the only way to make a payment is through my direct routing like gym memberships because you know there is no way to cancel a direct draw, but wanna be like \"it's the bank's policy not ours\" right..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a00961d32e74ca4a6aa1530dd602175
encoding: FLOAT32
metadata:
{"chroma:document": "Made bad decisions with my credit in the past and tried to rebuild with other companies. Merrick Bank accepted my application and has been great. Easy online payment arrangements. Would definitely recommend."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 87afded8d0ab4f90b324c52f68cf04d6
encoding: FLOAT32
metadata:
{"chroma:document": "I am a new participant with Merrick Bank and I have been very satisfied with their explanations of their programs and expectations. I look forward to a long and satisfactory future with this institution."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9433c0ab32d34d9d97d0f34723db21d7
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a credit card with Merrick Bank for many years. Every time I have had conversation with their customer service people, they have all been knowledgeable, helpful and extremely polite. Merrick Bank does account review on a regular basis, which is very nice as that means I don't have to call and ask. Overall a great company with whom I am very pleased. Thank you!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ee7ad6b122e34050bf4659e5e7e03877
encoding: FLOAT32
metadata:
{"chroma:document": "I guess I must be stupid. Every time I go to pay online I must forget to submit and wind up with a late fee. I write the payment on the bill but it doesn't go through. I WAS VERY CAREFUL THIS LAST TIME AND GOT A CONFIRMATION #."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3592eb2d75714f64b8919c13d1f29146
encoding: FLOAT32
metadata:
{"chroma:document": "I feel secure with this card. Fair and kept their promises of credit limit increases. Card always works. Easy access on phone. (I have not tried anything online.) I wish the interest rate was lower. That is the only factor that keeps me from recommending Merrick to friends."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5ad2ab5a2c684514a98fe5218354307b
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank is great. With the monthly reminders, it is easy to pay your bill online. They also offer paperless billing. They give me plenty of notice when my bill is due so I avoid any late fees. I haven't had any issues with my account or card. It's awesome."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f56a5b3224604021a97af34cd3537183
encoding: FLOAT32
metadata:
{"chroma:document": "I've only been a customer of Merrick for about a year now but have nothing but positive dealings with them! They have kept me quite informed of my account and every transaction has been seamless. Their mobile app works well without a bunch of extra frills and is quite easy to use! Highly recommend this establishment!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 92ba3c9cee4948328c825219cb1643a4
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has been simply a great relationship for me as a credit card holder rebuilding my credit. I initially heard about Merrick and just applied on their website with quick easy application. And a rapid response to extend the new Visa card. The credit limit is light, and increases are periodic with no requirements from me. G payment processes, great customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3142803be4ee49e7a6875bcbd404f98e
encoding: FLOAT32
metadata:
{"chroma:document": "I've never had any issues with the card or the company. I called once and my questions were answered. I only have one minor issue that customers were able to change the pin for the card to something that they could remember, rather than the one that was assigned."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f6d930977324a14b529d0fde2b41ce5
encoding: FLOAT32
metadata:
{"chroma:document": "I use it to rent a car to go visit my son in college. I love this card. I love when I get an increase it comes in right on time. This card is what I needed. A major credit card. Thank you so much for giving me this opportunity."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17434632aaa448db83a53d5d3289a1e8
encoding: FLOAT32
metadata:
{"chroma:document": "Your service representatives are always friendly and treat me more like a friend than a customer. It's always a pleasure to talk to them. Thank you for making me feel like a valued customer instead of a number."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6052ea6367354387b1e0a97cb23a197e
encoding: FLOAT32
metadata:
{"chroma:document": "I have been working on reestablishing my credit after years dealing with IRS tax liens and a derogatory credit history. I was offered a Merrick Visa credit card with a higher limit than what I have received from other credit card companies. Of course it has a high-interest rate but is comparable to others considering my existing credit score. I did some reviews online and chose to accept the credit card based on the fact that there were no annual fees, the higher credit limit offered and the opportunity to have my credit limit increased substantially in 6 months. I have not received my card yet but look forward to a positive experience and I will update my review as time passes."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63bb7f7ca5814343b2736218642554e1
encoding: FLOAT32
metadata:
{"chroma:document": "I have no complaints about Merrick Bank outside of their rates being a little too high for on time paying customers such as myself. It would be nice if they provided a rate decrease when they provide credit increases."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9d2ecf51b334075b1971f70c8910f48
encoding: FLOAT32
metadata:
{"chroma:document": "Was a fair card company, if you pay your bill they will even give you promotions. Its a great card for someone rebuilding their credit. Paying over the phone was an easy process if you are like me and not a fan of paying bills online."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3ca5b41224b4b99bc3dd0080e96e778
encoding: FLOAT32
metadata:
{"chroma:document": "I was provided with credit after unexpected circumstances caused my excellent credit to drop down to fair. I pay my bills on time and have worked in the same profession for 20 years. When unfortunate life experiences occur, they trusted me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 428991fc43ad49c1b98444fa286c6b41
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has been great, with all service and information. They have periodically increased my credit limit without me having to ask and have been most helpful in accurate charges and payments. Excellent customer service, answered any or all my questions without a long wait. I give Merrick bank an excellent rating and have recommended their services. Sincerely, Virginia ** an old lady you have helped."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6a3b7ce777b64685add79bafe6375a80
encoding: FLOAT32
metadata:
{"chroma:document": "I have to say that my entire experience with Merrick Bank to date has been excellent. Website is easy to work with and understand. My few calls to customer service were a pleasure and my questions resolved quickly. Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8caf40c92bbb46e1a8774e420fd6c3fb
encoding: FLOAT32
metadata:
{"chroma:document": "Thus far - close to a year - my relationship with Merrick Bank as a Credit Card Customer has been simple, straightforward, and helped me to continue to build my credit. My credit line doubled after so many monthly payments on time as promised - and the rare accounts I have had to interact with CS they have been polite and helpful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 318230f643604a03b4dfb53b8a683291
encoding: FLOAT32
metadata:
{"chroma:document": "The problem for me in using the card I have is I do not have a means of being able to do online payments when purchases are made so I have held off using it. Do not have a userID or a Password setup online so that I can make payments once the card is used. No customer contact info or phone that I have seen up on the web page. Would indeed be of great help so I could use my credit card with your company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a6554882ab74c5c998bd6d0b27954b0
encoding: FLOAT32
metadata:
{"chroma:document": "I paid my payment 2 days before it was due. Merrick did not process this until 3 days later. Then, they hit me with a late fee. The lady I called did not want to help at all and was rather rude to me. So, I called back and spoke with a Justin and he took care of all of it for me (which should have been done in the first place). I'm rather dissatisfied with Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 72c65c9ae6f047c7b4423e8e64e3840b
encoding: FLOAT32
metadata:
{"chroma:document": "I send my payments every two weeks to keep a zero or low balance. I use Bill Pay through my bank. It takes Merrick 5-7 business days to get and process my payment. I called and asked if they are set up electronically. The guy assured me yes. So I set up Bill pay on my other two bank accounts and same thing. I need my payments credited the next business day like my Capital One card. I have had the card for 3 months and closing it as their snail of a payment posting process is complete."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22a6d48792a8471dbcb3e64b1b7e881c
encoding: FLOAT32
metadata:
{"chroma:document": "I was fine with Merrick. I paid my card off every month. Then I was in an accident herniated disc x2 and dislocated shoulder and pivots out of the ball of my other shoulder. 8 broken ribs and two broken wrist. I entered a credit protection type of program. They told me they wouldn't charge interest, they always did. I told them I couldn't work. They have no real credit protection program like other cards do. I was told I had to make monthly payments and all I said was I could try but I don\u2019t know if I can."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0eca35f418c646d3b92a27b1065d99b3
encoding: FLOAT32
metadata:
{"chroma:document": "Dispute process is impossible to win. I've been had by a scam and they got my money in the end. It took months for me to finally just give up and hand over about 5 hours of my work week. I miss Discover Card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b6278439fea4c2fa0b8d6898bb2ef9e
encoding: FLOAT32
metadata:
{"chroma:document": "I received a letter from Merrick Bank today where they had close credit card account because I hadn't used credit card. I called their customer service department and they place me on hold for long periods of time waiting for a Supervisor to answer the phone. I find it ridiculous that Merrick Bank wants to tell the customer when you should the credit card and if you do not they close the account. The customer service representative said that they do this all the time. They decide and they do this to many people all the time. Sound like this Bank will be out of service in no time due to the lack of professionalism."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 57cdb612faca4d0b86589560d1da5df6
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick did what they said they would. After 6 consecutive payments they doubled my loc. Didn't have to ask for it they just did it. They are helping me rebuild my credit after hitting a rough patch for a while."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 092abb605113432097e295af960c84ce
encoding: FLOAT32
metadata:
{"chroma:document": "I was pre-approved according to what I received in the mail. (I didn't wait weeks or months to respond to the \"offer\".) I double and triple checked the fine print. Go through the process to claim my card and was declined. So thanks for an additional hit to my credit score because of an inquiry. If you're going to approve someone then and only then should you send them a pre-approval. Otherwise, it should just be a \"if you're interested in this card, please see apply to see if you qualify\" like all the rest of them. It's a really crappy way to do business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0b6fc3942dd4c4d99a77202f5d87421
encoding: FLOAT32
metadata:
{"chroma:document": "I did receive my first increase as promised. I've had this card for 14 months and have not received another increase. I was told after the first increase I would receive another one 10 months later if I paid on time. I've never missed a payment, nor have I been late. 11 months later, still no increase. I called and inquired about it and the lady was rude! I've talked to them before and had no problem, but this lady was a peach!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c6fe1f5ebf6c465d9ff0bff95dc2a0a1
encoding: FLOAT32
metadata:
{"chroma:document": "Out of all credit card companies I've dealt with, Merrick Bank by far has been the easiest to deal with. No hidden fees and I appreciate the credit score feature. Online system is great to use. Happy so far."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e555bb107d7d42248193e7b429ad996b
encoding: FLOAT32
metadata:
{"chroma:document": "I'm very satisfied with all the things that make Merrick my credit card of choice, such as no annual or hidden fees, a great way to rebuild my credit score and the issue free transactions. I recommend Merrick to all my friends and family! Thanks for the ease of navigating Merrick's website."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e7ef58584bca4b5fbc8e45b7fd2b859a
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer of Merrick Bank. and I feel that it is my duty to pass on my experience with this bank. I am a senior citizen, living on a fixed income. Both my wife and I are retired. Because of birthdays, we do not receive our money until the third and fourth Wednesday of each month. When the account was set up they set the due date at the 20th of the month. Which always put us as late due to when our money comes in. So I called and asked for a change in the due date to the 4th of the month, so that we would be paying early, instead of late, depending on when our second check arrived. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cb40b5858c3948668eba47c12bfdf4ab
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank gave my roommate a line of credit under my name. I looked up my credit report and saw a maxed out Merrick Credit Card. I knew I never applied/nor did I have possession of this credit card. I called the company and gave my information in hopes to gain access to purchases on the account in order to find who opened account. They verified my info to the account, except the address and phone number was incorrect. I took a shot and gave my roommate's work address and cell phone and sure enough it was verified. I asked Merrick how this could happen? The agent explained to me that I was sent a pre-approval in the mail and my roommate must have filled it out and was approved. Here's the kicker, my roommate is a guy. I asked how they could miss the fact that a guy was applying under my information whom is a female. They explained they do not process applications over the phone... EVER. It's mail in only!!!! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be28ee238c9942f68b2a5ff7350a5605
encoding: FLOAT32
metadata:
{"chroma:document": "I haven't had any terrible experience with Merrick Bank. They kept their promises and I am thankful for that. I just hope at some point they may offer cash back or a lower interest rate. I am considering dropping their card, keeping my Capital One rewards card. We'll see."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9007e8acc0ec44b5893b75ddd50990b1
encoding: FLOAT32
metadata:
{"chroma:document": "Excellent services offered by Merrick Bank. Very easy to deal with. Any time that I spoke with anyone in customer service they were very professional and first class. They offer no fee foreign transactions which is great when traveling! Would recommend to my friends!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c2e1a954871c4c5bae3a91a20e15907f
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer with Merrick Bank for most a year and my experience has been a good one. If I could improve one thing it would be ease of use of their site and finding your debits and credits. The one time I needed customer service they were helpful and professional."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 14ba918d6dfd4d4e8af8dbee68bdfc06
encoding: FLOAT32
metadata:
{"chroma:document": "Though my interest rate is high, I have no problems with my card. Their app is extremely user-friendly, I am rewarded for my loyalty with increased spending power, & their customer service team is polite & professional."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f27b150499d343ab8f605e2abe316ecb
encoding: FLOAT32
metadata:
{"chroma:document": "The server's has truly been outstanding. Dealing with Merrick Bank has been the best experience of my life. The bank is always on time. Even though I speak to a machine when I call it's always productive. Thank you so much and I will recommend you to all my friends."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38c42c9cba764dc69ffcff6ca10e17c2
encoding: FLOAT32
metadata:
{"chroma:document": "I like that I am rewarded for paying on time by getting increase in my credit limit, but I don't like being charged a fee for you to raise my credit so you can make more monies on my using my new amount of credit. Just like another hidden fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 784ff66a23ad4aa7a7095b0e13fa6e23
encoding: FLOAT32
metadata:
{"chroma:document": "Pleased with the quick automated service, response time is good. Account info is easy to access. Have not experience any problems. Was not familiar with Merrick originally and I have recommended it to other associates and friends. Liked getting an increase in a short period of time without making a request."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b103db01da554fa4b39dda37dbd6ba39
encoding: FLOAT32
metadata:
{"chroma:document": "I'm quite happy with the relationship I have with Merrick Bank. The terms are reasonable enough, the payment is easy enough. They have increased my limit on occasion in keeping with needs. I'm sure they were instrumental in the rebuilding of my credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d39260ca125a4fabb7c1efc9effec9b6
encoding: FLOAT32
metadata:
{"chroma:document": "I am very pleased with all aspects of Merrick Bank. The webpage is very easy to navigate. My account limit has been raised in a timely manner. My only suggestion would be to send some checks to transfer funds. Thank you for asking for my feedback."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf76f20f7e7b4f1180a4550be497ded6
encoding: FLOAT32
metadata:
{"chroma:document": "We have had this card now for a few years, it is a pleasure to business with Merrick. As we pay our bill on time we receive increases in our spending ability, which helps in our credit score. We have recommended Merrick to many friends and family."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 59c742894b924959906b085d1affd987
encoding: FLOAT32
metadata:
{"chroma:document": "I have had real good luck with this card and Merrick Bank in general. I've been trying to bring my credit up and they are helping me in my quest to improve my credit for any future purchases I might make. They have been increasing my limit frequently it seems but it makes me feel good about how I'm doing. Thank you Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7fce658ef39f44f3b76bff554f8da7a9
encoding: FLOAT32
metadata:
{"chroma:document": "On the 20th and 21st of May there was 2 unauthorized purchases made on the PSN network. The PSN networked claimed it would take 3 months to refund my money back on my card. I feel that this is inexcusable. It was a unauthorized purchase that had nothing to do with me. The best they could do is give me a PSN credit. Which means I still have to pay the 200 dollars on my card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17d704f9cb784f27b1ad3b0b743de060
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank notified me immediately when someone tried to use my card to purchase $1500 in Walmart gift cards. I had my card in my possession and no idea how someone got my card number. I was very grateful. Excellent customer service!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b6b25619758043b2bcd2396a9795b39e
encoding: FLOAT32
metadata:
{"chroma:document": "Great for re-establishing credit. Merrick Bank has helped me restore my credit score. They have generously extended credit before anyone else has. I have found their customer support staff to be friendly and courteous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b6389da064441a6909c18374f25efc8
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick has a program that doesn't punish people who need to rebuild their credit. Their fees are fair and the credit line increase after so many months of responsibly paying your bills goes a long way to repairing your credit score. Compare the terms, I had offers from companies with logos that look like major card companies and their monthly fees were outrageous even if you didn't use the card that month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 137decbc702f4b47b77b5b1fbaa198cf
encoding: FLOAT32
metadata:
{"chroma:document": "I had never heard of Merrick Bank before they sent me an offer to apply for a credit card. But my experience with this bank since has been nothing less than great. The have done exactly what they promised and my credit score has improved because of my relationship with Merrick! I would highly recommend them to others."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 846dd6a5c20448bfb3e73c5c6b1bfb54
encoding: FLOAT32
metadata:
{"chroma:document": "I been with Merrick Bank for awhile now. I have no complaints and always have had a great experience with them. Their services are exceptional and enjoy the credit increases I receive. I would recommend Merrick Bank to everyone, they have been nothing but great for me and I'm sure they would be for anyone that is with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 65aa91e40f044d9a85e2572202cef897
encoding: FLOAT32
metadata:
{"chroma:document": "I have not had any problems with Merrick's customer service. I have been with them for a couple of years now and they always give me credit limit increases, every four to six months. I don't have problems with them calling me to make a payment if I am late. I don't have any issues with Merrick Bank they have become one of my favorite cards to use."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b6f3fefa1bda4dfcab63c14d57a1d213
encoding: FLOAT32
metadata:
{"chroma:document": "I am satisfied with my experience, Merrick has everything you would expect online. Not overly fancy (which is a good thing) or complex websites. Everything is simple and straightforward and for a busy professional that is exactly what I need. No frills, no fuss, only the info that I need."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5985895278334e74a3fe411e2b7e8504
encoding: FLOAT32
metadata:
{"chroma:document": "Very fair and accurate at explaining conditions of the agreement. Easy access by e-mail, mail and phone. As always when customer behaves responsibly, Merrick response favorably. Would highly recommend them to family or friends."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1157a48a282f416489b8bdd7ad0c8a8e
encoding: FLOAT32
metadata:
{"chroma:document": "I would for sure recommend it to a friend, they have been excellent to me. They helped me to rebuild my credit along with giving me options on paying bills and payments. Thanks to them I increased my credit score."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 61b2546f1a71480a99270da42118bb88
encoding: FLOAT32
metadata:
{"chroma:document": "I think it is ridiculous to charge a $3 fee every month, which forces me to make sure I pay this bill every month even though I do not use my credit card. Either charge an annual fee or allow me pay more than $3, so that I have a credit on my account to cover future months. It's like you do this so that you can trick your customers into missing a payment and then you can charge them a late fee. Terrible. Ready to cancel my account!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3438582c58b74dce975af9e5bbf40454
encoding: FLOAT32
metadata:
{"chroma:document": "Anytime I have had an issue \"and there have been very few, even then they were small\" your customer service people were professional, attentive, and handled my issue on the spot. Could not be happier, thanks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9816898195264b1c94582f41f9b022f9
encoding: FLOAT32
metadata:
{"chroma:document": "I submitted a dispute to Merrick. I was not given all the information I needed in order for the dispute to move forward when I initially called. I called back a second time to check the dispute status. Only then was I told I needed more information."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18d8704c2bb54d4eae1735f69a13efd1
encoding: FLOAT32
metadata:
{"chroma:document": "I fell on hard times. Was making payments, but had late fees. That's was killing me. So I called, they said I pay $207 and they would get rid of late fees. So I set the payment up. I got a letter in the mail from my bank saying the payment was returned because the agent I talked to put the money to be taken out of the wrong account. I have two accounts on file. I know I told her what account to take the payment out of and she picked the wrong one. So I called and told them what account to take the payment out of and they did went through no problem."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1539398dd2f24f63a55d721bf5e66c0d
encoding: FLOAT32
metadata:
{"chroma:document": "Take a deep breath before I go in on this wretched ass bank. These rip-off consumer snake ass idiots are so damn disgusting to the point they should not be in business. I have caught these idiots in so many lies until I honestly think they all are regular riders on that short yellow school bus. If you are trying to pay off their high interest visa card, they will find some grimy way to get extra money out of you with their famous \"late payment\" scheme. I have proven every single time that my payment was not late and that their lazy workers continue on processing the payment late to make it late not that it was received late. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c32fca60521244369fe37ff619f94d04
encoding: FLOAT32
metadata:
{"chroma:document": "A few years ago my wife passed from Pancreatic cancer and I have been raising 2 kids by myself ever since. Due to medical bills and the general hardship of the situation my credit dropped significantly. I decided to try and use the Merrick Bank card to help rebuild my credit. In theory you pay on time for 6 months and they raise your limit. I paid on time every month but when it came time for the 6th their archaic website wasn't working for 4 days right as my payment came due. I called for assistance and they said they were also experiencing technical issues and to keep trying. In the end I paid before the late date but they posted one day late. I tried to get them to leave the late mark since it was due to their technical difficulties but they refused."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c3edaa2844c042df941a56d3763b7040
encoding: FLOAT32
metadata:
{"chroma:document": "I was one of the account holders with Merrick Bank Visa card (Platinum) for some time, never missed payment, used their card responsibly. I was out of states for several months, after coming back today I called Merrick bank to get up to date APR info and increased line, and I was surprised to hear that they closed my account. I asked why it was closed. They stated that there was no activity and that is closed. Some of you may not know when this kind of account closing happens that affects your credit big time. So be careful dealing with this bank. THIS BANK WILL MESS YOUR CREDIT. THINK TWICE BEFORE APPLYING CARD WITH THIS BANK. I am not worried their damn card but I am worried about my credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad12ced5ede24a75ac49cc8073dcf354
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with Merrick about two years. I recently called to try and get a lower interest rate. They said they never negotiate interest rates and if I wish to close the account that was okay. They did absolutely nothing to try and keep me as a cardholder."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e9605d09f834cbb9a652c95ee73c46b
encoding: FLOAT32
metadata:
{"chroma:document": "Because I didn't use my credit card for sometime MERRICK sent me a letter saying they were reducing the credit limit and also in the next thirty days the account would be closed. So Merrick Bank Credit Card Services is penalizing me, a person who has worked hard to re-establish credit and has done a good job at it, for not using credit to their standards. I wanted to keep that card to use in case of an emergency but instead, because I had a zero balance and hadn't used, MERRICK reduced the credit amount and then at the same time in the same letter they indicated the closing of the account in 30 days. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a37acc482efb400b8fdf3bd1004b5ddd
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank provides professional, friendly, informative, uncomplicated, quality, and helpful service that help me as I pursue my professional and family life. If I need help with finances I can go to their website and find answers to make my life easier. The website is easy to access and navigate through, plus, if I have questions about my account I get fast and quality help. I can also help my son who is a veteran as he pursues school and a career in another state. Thanks to my Merrick Bank card and its easy access. I would refer my friends and family to Merrick Bank. Thanks a lot for the professional and quality care!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5447053b2fee4dc189e46ff13243cc5d
encoding: FLOAT32
metadata:
{"chroma:document": "I went through a divorce in a long term marriage where we owned a business. I did not get the business, so had to be released from any liability through BKCY. My credit was shot! Merrick was the only bank that would give me a credit card. I started with a $200 limit, but the goal was to prove I was financially responsible. No hidden fees or startup fees. I paid on time every month, paying off the balance. I'm now at a $2000 limit and have been encouraged along the way with every increase, which matches increases in my credit score, which is now, three years later, is in the excellent range. Being a financially responsible woman, it was hard to suddenly be seen as a poor credit risk, but Merrick helped me reestablish credit. Thankful!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1aa88a97dbd346479850748984e4c53a
encoding: FLOAT32
metadata:
{"chroma:document": "I've had nothing but a pleasant experience with Merrick Bank. Paying my bill is very simple using their website period. They've always been very fair about raising my credit limit regularly. I don't really know what else I can say except they're very good company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 183a5e8eb3ce4004a59ca4bb23eb7fc7
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has a good card, reasonable interest rates (although I don't carry a balance). I only have one complaint, their website is very dated feeling, it's like a site one would have used in the late 90's or early 2000's. I would like to point out that the site does have all the features necessary to view statements, transactions, and complete payments, it's just antiquated feeling. I think an upgrade would be beneficial to both the bank and the consumer, also, offering 2 factor authentication would provide another layer of security."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bbe31b7d5a2e4f668db9ff3587bd3dff
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick has been an outstanding credit card. I have been rewarded for paying on time and they are a secure card. I have been able to travel with security and know that my card is protected using the chip technology."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dfdae487fe5f42b8bbf7646e972f928f
encoding: FLOAT32
metadata:
{"chroma:document": "So far everything is great. But I downloaded the app for my iPhone. And after about a week it stopped working. I called and the man said it was being worked on. And still it do not work on my iPhone. I have to log into the full site to view my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 89a016171e9249b080a029cc1a9d9dd6
encoding: FLOAT32
metadata:
{"chroma:document": "About a year ago, I opened a credit card account with Merrick Bank. The application process was easy, and my experience using my account and accessing it online and via the app has been awesome. After six months or so, I have already received my first credit limit increase. I would highly recommend Merrick Bank to others!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad3404bea3864750b2b39be9e6e80411
encoding: FLOAT32
metadata:
{"chroma:document": "Has been a great asset in rebuilding my credit. Couldn't get approved for other cards so \"settled\" with Merrick. After less than a year my credit line has increased quite a few times and each time has also raised my credit score. Interest is competitive with other cards at my current score."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c361c421e8354762ad3f664b0dd3d0df
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick has been very professional. At an event in Detroit - one of your representative called to let me know about charges on my account that was suspicious. Hotel was contacted the charges were reversed. Thanks for the call"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02ef43b5a7bd4101b497fb3d7b0bfd1f
encoding: FLOAT32
metadata:
{"chroma:document": "My experiences in dealing with Merrick Bank is truly great, no problems. More than enough time to make payments on your credit card. Informative as to any policy changes. Their site is easy to manage and accurate. I have really enjoyed dealing with a great institution. Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb08e47e57324c0592f9b70abc8c6dab
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick was one of the first institutions to offer me credit as I rebuilt my credit. Their online tools are great for setting up payments and they offer great credit alert features. They also care about your maintaining good credit by offering your credit score for free. As my credit has gotten better Merrick has rewarded me with higher credit limits without a request. Great credit services. Everything you could ask for."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5fe96e85084d43899fbeb1500b2277fa
encoding: FLOAT32
metadata:
{"chroma:document": "Very pleased with Merrick Bank. Always on time and accurate. Of the few times I have needed to call to the office I have been greeted by a friendly and informative person that is actually able to speak English. I have never had a problem left unresolved nor have I finished any communication with them that I hung up angrily. These guys are just that awesome."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 94db838b214b4b3e988f4c8bf994da85
encoding: FLOAT32
metadata:
{"chroma:document": "Shortly after receiving my replacement credit card, I activated the card, peeled the phone number off and started using it. A few weeks later I noticed that a lot of charges I had made were now being rejected (charitable contributions). I made about 50 of them. When I tried calling and explaining what was occurring, I was brushed off with a quick, \"You failed to activate the card\". No, that is not true, I did activate it and made an immediate purchase and it worked. Why now is everyone saying I haven't activated the card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 664645e1459a4bef92b3f895c56324fd
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank has been good to me. I appreciate that they were able to give me a credit card despite the lower credit score. As I paid timely, my credit limit also increased automatically. Now that my credit score has risen significantly, I am considering closing this account. These are the reasons why: 1) the annual fee of $60, 2) the monthly fee of $5, 3) the time it takes to process my payment to the card that is over $500. Another reason which is not a make it or break it reason is that the website is not up to par with other banks. Even a credit union has better graphics and security measures than Merrick Bank over the internet. Nonetheless, Merrick has been there for me when extra fund was needed and they've never charged wrongfully or reported anything incorrectly to the credit bureaus."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1fa27dc50df64d6a815c61224a10a3de
encoding: FLOAT32
metadata:
{"chroma:document": "Since I applied for the card in December to help build my credit and buy Christmas gifts according to them I've only paid on time once. This is BS! I always send my payment a week before it's due and pay more than required. I am extremely upset about this. No way it takes more than 7 days for them to get the payment! I'm sick of being robbed and taken advantage of. Now I'm gonna have to take out a loan to pay them off and be done completely. I can't believe all the great reviews I read. Just my luck I guess! Thanks a lot!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 842a0917d4d24f849930abfae3c3c24b
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give it 0 stars I would. With all the banking laws, I don't know how Merrick skims through with their illegitimate practices. On 3 separate occasions I had to call to ask them to post my payments that I made. Not only did they not post my payments that were made 1-2 weeks in advance, but they charged me a late fee. After this happened twice I decided to pay off the card and stop doing business with this company. I did a balance transfer in the total amount, so that I could close my account and what happened? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 707a75569e8542ad9ae1b5f2a7b11e40
encoding: FLOAT32
metadata:
{"chroma:document": "I haven't had any \"real\" issues with Merrick at all. Dealing with Merrick has been pretty smooth. I think perhaps their app may need a bit of revision in regards to the overall UI but it works and functional."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 58974ec1a09040c181ef5c1bf9d321b1
encoding: FLOAT32
metadata:
{"chroma:document": "I am reestablishing my credit, and have gotten my credit score up to the mid 600s. I've never had a late payment and I usually pay more than the minimum payment. I called to negotiate a better interest rate, and I was told that they don't do that. As soon as this account is paid in full, I will be closing this, and finding a card with a better interest rate."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 860faacf187b469f851494d4fa7302e4
encoding: FLOAT32
metadata:
{"chroma:document": "I have not had any dealings as yet with Customer Service, but so far the card has delivered on its advertised promises. My credit limit was increased automatically, and the minimum monthly payment is more than reasonable. My only issue is the annual fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0957c283ed664b4a944a3342e5dc281f
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick is a good starter card. Interest rate is kinda high, which is why I rated lower. Which being a starter card you can understand, however after some on time payments they should lower it. As you've proved yourself, as well as increasing the credit lines."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b08d97ec99ba4a579a9965110add8dde
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a card holder with Merrick Bank for over a year and a half and they have always given me excellent customer service. They always respond professionally, knowledgeable and honestly to my concerns. It has been my pleasure doing business with Merrick Bank and I look forward to a long business relationship with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 31fa36f081414efaae3d230fc8b7bcd9
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick has been wonderful, I wasn't sure the ad and offer of their invitation to apply would turn out true. The INVITATION to apply said if approved and you made the first 6 payment on time they would double your credit line. For me that was going from 600.00 to 1200.00 dollars. After making 6 payments on time I got a email saying my credit line was increase to 1200.00. They stick to their word. That a great thing today."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 78499f1945434f119acb23d66c26b0b4
encoding: FLOAT32
metadata:
{"chroma:document": "What's disturbing is when I call to dispute a charge, I provide all the necessary details as to why I'm disputing a particular charge, then receive a letter in the mail requesting the same information. Discover and State Farm Visa doesn't require this process. If Merrick could not have customers send in correspondence as to the same information I provided to the previous customer service agent, that would be great."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 039b72cf4acc4a3d989f755ecc07a22d
encoding: FLOAT32
metadata:
{"chroma:document": "I am appreciative to Merrick Bank for the service they provide. They were the one credit card company that was willing to give me a chance at credit recovery. Their service has been professional and courteous in all areas that I needed them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f33ca3780f0f432092e0c688a6b102b8
encoding: FLOAT32
metadata:
{"chroma:document": "Overall my experience with Merrick Bank is good. Areas that they could improve upon are creating a better mobile app, offering some type of rewards program or cash back incentive, and removing the annual fee. Interest rates seem ok for the type of card that it is, but could be reduced over time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6b78e855a07d4b54aadc96aeab0916ed
encoding: FLOAT32
metadata:
{"chroma:document": "I don't have a lot to say about this, and in this sort of situation I think that is a good thing. If I was upset or disappointed with the services I was receiving, I would be writing at length, in detail. I appreciate my card and my experience with Merrick Bank thus far. Thank You!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d221a7ef5494aeaabd976e0428b0aff
encoding: FLOAT32
metadata:
{"chroma:document": "I have been happy with the service I have received from Merrick Bank. My only complaint is when I try to log online, the website often tells me that I have too many tries to log in and then I call and get back into the system. Thanks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 05dcbca5b348409e98b5da1a990b9607
encoding: FLOAT32
metadata:
{"chroma:document": "My credit report reflects updated information from my card activity at least every 2-3 months, which has really helped me build my credit report. The app is easy to use for seeing activity and making payments. My payments apply to my account within a day or two, and I get email updates that remind me when my statement is ready so I'm never late making my payments. I love this card!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08cd4ffbaa60431da16f853a2fe962a3
encoding: FLOAT32
metadata:
{"chroma:document": "I like Merrick Bank online account services for the ability to search transactions which give me a specific view of my charging activity. I also like, very much, the simple straightforward payment process as well as being able to look at payment history to confirm payments and for budgeting purposes. One very nice feature is the \"Statement Summary.\" This is a GREAT overview of my account profile, activities, interest charges, etc. Thank you Merrick Bank for being a customer oriented financial service!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bdffef20a64149788b441a575c7d3136
encoding: FLOAT32
metadata:
{"chroma:document": "I've been completely satisfied with all my dealings with Merrick bank credit card services! I'd definitely recommend all these services to anyone that asked me. I've called customer service and have always been satisfied. My problems were handled efficiently."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5f619fbae191435bbe9beef694054e1c
encoding: FLOAT32
metadata:
{"chroma:document": "I have been making over the minimum payments on my Merrick Bank Credit Card out of Salt Lake City Utah. I was told due date was 30th of each month. I never really looked at date on Statement. I always make payment on automated telephone line and my minimum payments is usually 35.00 to $37.00 Dollars. I was late in February 2017 I made payment on the 27th 2017. On March Statement 2017 reads past due amount $37.00 Dollars, Minimum pmt. 114.00 payment Due 3/18/17. I looked at the due date is supposed to be on 20th so did they change it on me and not tell me. I thought I was making early payments. And at that nothing on statement does not say anything about a late fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f9302d6f6f0241fd9fcebe49d808081c
encoding: FLOAT32
metadata:
{"chroma:document": "I was having a financial hardship, and Merrick agreed to put me on their Hardship Program. After making my agreed upon payments on time for 2 months, I did not receive my bill. I called Customer Service and stated I had not received my bill, and they informed my account had been Charged Off!! I was furious and I want to let people know not to trust them when they agree to a payment plan with you. They told me that after making my agreed upon payments, for 3 months, that my credit report would show my account as current, although the account was closed for further purchases. Lying to the customers is very unfair!!! I kept my end of the bargain but they failed to keep theirs!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d9fa50c99b84799bb421c46a9cbc682
encoding: FLOAT32
metadata:
{"chroma:document": "Back on October the 3rd Merrick Bank put a $2.77 paperless fee on my account. I had no knowledge of this fee. They reported late to the credit bureau and it drop my 40 points. I contact them and they refuse to remove it. So now I can't get a mortgage. Bad company and customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d84e611a91d6407b956a289280bfdb28
encoding: FLOAT32
metadata:
{"chroma:document": "Each time I encounter Merrick I have had good service. Whether it's the ease of the website or speaking to someone directly, I feel like I am receiving the best service possible. I would recommend Merrick to friends."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ade5cb5507241bcbd24e7246e589160
encoding: FLOAT32
metadata:
{"chroma:document": "They have done every that they said they would. They have given credit increases without even having to ask. As long as you hold up your end. They are a no hassle bank. If you're a responsible person then building your credit is a snap with Merrick Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ff05594db894bbba7ba61e29d9c82da
encoding: FLOAT32
metadata:
{"chroma:document": "I called in because my card had been compromised. The issue has been resolved, however, I asked the rep when I called if there was a mechanism in place where it detect a purchase on the same day but different state it should of flagged it. I had to call."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d4dfd0109ac045a69e8a5b21cf039a16
encoding: FLOAT32
metadata:
{"chroma:document": "I've spent the past 3+ years cleaning up my credit, no lawyers, no debt consolidation firms... just me. I received a pre-approval letter from Merrick Bank. I usually throw them away, but the opportunity to double my credit limit in only 6 months (with no late payments and paying at least your minimum balance). So I took a chance. I'm not so far along where I have been receiving low interest rates yet, but more people are trusting me with unsecured cards so I'm happy! I've had to call Merrick Bank quite a few times, including a charge dispute. I've always received very good customer service! One associate took the time to walk me through specifics as far as what information I'd need to support my dispute claim. This card is one I plan to keep. Especially since I could be eligible for another increase in a year!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac6c84e75ee04f3998d541f0f6818096
encoding: FLOAT32
metadata:
{"chroma:document": "Great experience. Merrick Bank has been an important part to rebuild my credit after divorce. The website is easy to use and I appreciate the GoScore so that I can keep track of my progress. My credit limit has been increased fairly and I have had no problems or issues working with this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 15957b603e5e43979313cf15ddd42515
encoding: FLOAT32
metadata:
{"chroma:document": "I am very pleased to report that my experience with Merrick Bank has been excellent! In my opinion, Merrick Bank takes a real interest in me, and when I need to speak with them they are courteous, knowledgeable, and more than helpful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a645fa6290c5427298e4afda27d33a40
encoding: FLOAT32
metadata:
{"chroma:document": "Great service. I would definitely recommend Merrick Bank. One future that stood out to me the most is how convenient your account information is through the app. Other creditors have long maintenance days which really limits you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 279031eaa01949b2b2f725ce6f7d7094
encoding: FLOAT32
metadata:
{"chroma:document": "After going through bankruptcy I swear off credit cards for a couple years. I didn't want to do it Capital One because I had a bad experience a few years ago with their customer service. Before applying for my Merrick Account I checked out their website and how easy it would be to pay online. It is very very straightforward and they offered me free credit checking software. I am very happy with this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5b192efdd144b938a3ff3d3a0c2380d
encoding: FLOAT32
metadata:
{"chroma:document": "Your employees are always polite as well as helpful. I enjoy talking to them and I am always able to ask a question and know that I will get an answer. I enjoy your availability. It is generous and I know that when I need you, I will find someone there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5443b2c8caf746d28cd25c98e073da4d
encoding: FLOAT32
metadata:
{"chroma:document": "Whenever I contact Merrick Bank for any reason... the problem is taken care of. I have only had problems with a couple of businesses charging me for something I did not want. I was told what to do and how Merrick would assist me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 25e047d2559a42fab0e59ca8c76465ab
encoding: FLOAT32
metadata:
{"chroma:document": "The only improvement I'd like to see is that my transactions show up quicker on my mobile account app. Overall though I am very happy with my experience with Merrick Bank and have recommended you to friends. My wife and I both have accounts with you. My neighbor also financed his boat with you and is very satisfied as well."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: afda44d0f33d4bb391da4458a8301e29
encoding: FLOAT32
metadata:
{"chroma:document": "I think Merrick Bank credit cards are great. I have had for over 5 years now. I just would like larger credit lines increases and more often. I have never had a late payment since I have had the card. Over 10 days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a37c507d00354f7d8fed9bea25339409
encoding: FLOAT32
metadata:
{"chroma:document": "Good. I went from credit line of $600 to $1200. I pay it faithfully. Can't wait to get a larger credit line so as I can replace my dentures and have pride in my smile again since I have no teeth. God's will."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a2a2ec5cdcb041d3a8e7b7ca1f8b4eb2
encoding: FLOAT32
metadata:
{"chroma:document": "I love how easy it is to navigate your website, to access my credit score, and I especially love the fact that you are helping facilitate my rebuilding of my credit. It was painful to lose my near-800 FICO score when the economy tanked, and my goal is to get back to that soon - with your help!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c02b34a179e4024ac483c8a85a048a7
encoding: FLOAT32
metadata:
{"chroma:document": "I am very grateful and happy for the confidence that I have had since. In 6 months they doubled my credit just as I had been promised when I made the application, and of course if I recommend to my friends. Everything is very well. Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 645d6add53a84d748a235e7dc3ff180a
encoding: FLOAT32
metadata:
{"chroma:document": "I applied to Merrick for a credit card at a time that I was trying to rebuild my credit and improve my financial situation. It was most impressive that Merrick gradually added to my credit limit without my specifically requesting an increase and without requiring application or credit checks which could affect my credit score. The Merrick card I maintain in my wallet is a reminder to me that keeping a good relationship with a quality lender is worth its weight in gold."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6a773e3e0b9447ca9986b8ef98702696
encoding: FLOAT32
metadata:
{"chroma:document": "Since being associated with Merrick Bank I have never experienced a bad moment with them. They are forthcoming with information and always willing to help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: df29c1e1a7ed40859bdf48c74feea822
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank is outstanding card to have. I am grateful for Merrick Bank when I call customer service and representative are helpful and listen to any problems I may have. Keep up the good work with this card and customer service department."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6d7e9e4ff9b44e7c973ee9fb55f83154
encoding: FLOAT32
metadata:
{"chroma:document": "I have experienced an excellent service and we have established a very good relationship throughout these years. Additionally, the customer service is knowledgeable and provide accurate details to resolve customer request. Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bcffa226bd84466196dde69deacfeafc
encoding: FLOAT32
metadata:
{"chroma:document": "I would highly recommend anyone to obtain a credit card with Merrick Bank. Not only did they issue a card when I was trying to improve my credit score, they increased the limit often. I have never had to call customer service because I have never had a single problem. It is my absolute favorite card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7de2aba1eb5c4028995805e2e5785048
encoding: FLOAT32
metadata:
{"chroma:document": "I posted a payment to my non-secured Merrick Bank Visa card on 2/21. The amount was debited from my bank account the following day. As of 2/24, the payment amount is still not shown as available credit. I called customer service and the agent claimed the funds would not be available until the 27th. He explained that the amount was put on hold because it was higher than my normal payment amount and that they needed to make sure the funds were available. I replied that if the funds were not available, they would not have been debited two days ago. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 74b7e9c6fdbd42839f36400451a4b803
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank's credit card that I have is of great service to me. I use it regularly to cover expenses on my daily commute to work. I have personally never had any issues with the purchases I've made. I also like the quick and easy app. It lets me make payments easily and they post payments fast. Also gives fair credit increases!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0fa9b04ec9524ba381c281a5bce348e5
encoding: FLOAT32
metadata:
{"chroma:document": "Not happy with Merrick Bank. I had a car repair shop swindling us for $3000. I disputed with you and provided extensive documentation. Your Manager was rude to my husband and you did not send my case to arbitration, as contract I signed with you requires. My Capital One and Fidelity Investments Visa refunded me the money he charged to those accounts. This is the reason why I try to no longer use this credit card to avoid being ripped again. Not a trustworthy Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fe73fb8e17b74c52a4ebf845ef1622b8
encoding: FLOAT32
metadata:
{"chroma:document": "Good card. I have been treated fairly and have achieved a CLI. Paying your bill online is easy and free and I haven't had a single issue with this card. I have never had a reason to call the customer service line, so I cannot rate the customer service experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb5ec0b5e86646f09b32f5dc8d403392
encoding: FLOAT32
metadata:
{"chroma:document": "I am pleased with my relationship with Merrick and I am happy with the courteous and helpful staff that I have dealt with. I would recommend Merrick to anyone! Those I have dealt with are courteous, well informed and they bend over backwards to help when I have needed it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 55c91fc08cff4749b9271c1a1a593394
encoding: FLOAT32
metadata:
{"chroma:document": "100% of all interactions with Merrick Bank's Customer Service Representatives have truly been World Class Service. Great attitudes along with Resolutions to any of my inquiries and needs!! Thank you Merrick Bank for the opportunity to be a valued Cardholder Member!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f6b62a5cf7b14db3bc8ef130df9032da
encoding: FLOAT32
metadata:
{"chroma:document": "Whenever I call and have a questions, I get a live person on the phone rather quickly. The person is always very professional, courteous and well-informed. I enjoy working with Merrick Bank despite the high interest rates."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e5059f0f33094a468c77a04fb874a7f8
encoding: FLOAT32
metadata:
{"chroma:document": "They are a scam company promising a double your limit in six months if you make the payments on time. They don't take the money when you make a payment. They wait four to five days then slick talk you and don't give you the double your limit offer. To hell with Merrick Bank!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8691bb3f2f994f72a389653dd5faf3cc
encoding: FLOAT32
metadata:
{"chroma:document": "I found several charges that I did not make. They were rude initially and then said they would cancel my card, send a new one, and submit a dispute. I asked them if I needed to contact the merchant. They said, no, they would take care of it and yet the charges have not been removed. This is ridiculous. Other credit card companies would remove them right away or at least within the billing cycle, but this has not happened. This is very poor customer service. I understand that I had issues with my credit but it doesn't mean that I should be treated like this. Bad business, Merrick Bank. If it would not negatively impact my credit, I would close this account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0fb0740afa054ecb9b13ff17318a72fa
encoding: FLOAT32
metadata:
{"chroma:document": "This bank gave me a credit card when I had not so good credit. Thankful for that but after 2 years of on time payments and they continued to increase my credit limit when I asked them not to. I called to ask for a reduced APR interest rate as I always paid my bill on time. They declined me my request. I will be closing my account. Interest rate of 28%. Outrageous!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b406e536a10642e2934004c4ec17b490
encoding: FLOAT32
metadata:
{"chroma:document": "I have had nothing but positive experiences with Merrick Bank since I became a credit card holder. The one time, I had to contact customer service, my issue was handled promptly and efficiently and all of my questions were answered. Any information I have needed I have been able to find on the Merrick Bank website. I also received my first credit limit increase right around the holidays, which couldn't have come at a better time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 42317698da0f484e94ee1a5bf5403099
encoding: FLOAT32
metadata:
{"chroma:document": "Security block placed on my account without telling me. I then go to use the card and it was declined. EMBARRASSING! They couldn't have given me a courtesy call to let me know first? Just block the card and let me find out at the register. CRAPPY customer service! Canceled immediately after being a member for 5 years."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2da26d4776c741ac882c30a8d7a4b5af
encoding: FLOAT32
metadata:
{"chroma:document": "Hi, Merrick Bank has been great with my personal needs and flexibility. I really appreciate how they have given trust in my finances over the years and I will continue to do business with them. Thanks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3849546451ab47c8997a54a7f88db14a
encoding: FLOAT32
metadata:
{"chroma:document": "They have done everything that they said they would do when I applied for the account. Increased my credit limit in the time frame promised, has a secure and easy to use website, and I love, love, love their go score feature that gives you an updated FICO score once a month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a061575ce358432e8cdc300afe44b4db
encoding: FLOAT32
metadata:
{"chroma:document": "I believe Merrick Bank to be a fair and honest company. I have had no \"surprises\" with this card. Merrick Bank is also a great tool to have when you are trying to rebuild your credit score. I definitely recommend this company. Thank you Merrick Bank. Customer for life."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80c522ca83c1459b8edc28b731646f1e
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick bank has been an amazing card for. With a lower credit score, Merrick bank started me with a $700 limit and after I made 6 payments without being late, they automatically raised it to $1400. Thank you Merrick Bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a31757c894d4f12aba988daa60c9264
encoding: FLOAT32
metadata:
{"chroma:document": "I have no problem with the assistance I received. My problem was with your internet site. You only allow two choices for monthly payment - minimum or account balance. You should be able to pay something between the two without going thru the changes you have to - first cancelling the min then entering the amount you want to pay. Your internet site is not that clear for us old-timers who are not computer savvy."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d033df33b884f49a9492150b7d198ff
encoding: FLOAT32
metadata:
{"chroma:document": "Called to get update on some fraud activity after 2.5 weeks, the gal I spoke with was very careless, not helpful, and I was honestly going to cancel the card just because of how horrible the customer service is. Very scripted, there are a lot of card companies out there... I'd apply elsewhere."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7dd565aff1c24ddd93f592f955d0dd45
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank is Top 1 of 100. The service is awesome and I would recommend them to all my family and friends. I've never been more satisfied with a banking institution and the way customers are treated. The online service is user-friendly and they always have someone to assist you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f0f9dfec76641a093aa003ea1b0de3a
encoding: FLOAT32
metadata:
{"chroma:document": "I have been mostly satisfied with my dealings with Merrick Bank. I love the online banking. I was happy with the credit increase. The reason I will be cancelling my card is that when I called to have my annual fee waived I was told that it could not be done. That is very disappointing. I understand when I applied for the card my credit was questionable. But since I have had it I believe I have proven that I am not such a high risk."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64327ae1829c4134a486e0b5a4af63dd
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Merrick Bank has been very good and straightforward. Limit on the credit card is fair (interest rate could be lower) and billings and payments have been timely and credited quickly. Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 74ae36bf20e646339ba42865ecb3c1a4
encoding: FLOAT32
metadata:
{"chroma:document": "I'm still waiting for the charge dispute to be settled (3 separate charges from the same company). I was told I would receive a call from Merrick but I'm still waiting. Hopefully things will be fixed soon."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d362b6d7479545ceb3ef3f129573a00c
encoding: FLOAT32
metadata:
{"chroma:document": "I only have a Credit Card with this Financial Institution and I am very happy with it and with the service I am getting. I have no doubt to recommend it to few people around me. Hopefully in the near future I can get involved with more benefits and service with this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c241fb7d20a4b7f995ce331a6f759ea
encoding: FLOAT32
metadata:
{"chroma:document": "Very poor dispute policy and online statements -- After finding two fraudulent charges on my account I called to dispute them. They canceled my card and sent me a new one but will only tell me that disputes take 30 to 60 days to appear on my account. There are no updates and my online statement shows nothing in dispute after two weeks. I have never had a bank not take immediate action and at least show items that are in dispute. In addition, the online statement shows no new charges yet my balance keeps going up without explanation. Call to Customer Service are of no help. Very bad business!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 72efce90b5744632aca2b945e431fb2d
encoding: FLOAT32
metadata:
{"chroma:document": "I ran into some credit issues after the economy crash of 2008. It really affected me and my family. Merrick Bank was there to give me another chance at rebuilding my credit, and for that I am very appreciative. My credit score is back on the rise, and I am very hopeful at starting my own business soon. I would certainly recommend Merrick Bank to others."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e4ef8a487bb24aac8ed97e6ce2d98478
encoding: FLOAT32
metadata:
{"chroma:document": "The only suggestion I have is to add pending transactions to the online Banking. I bill out of pocket expenses and sometimes I would like to verify the amounts before they officially post so that I can bill these expenses."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2fddf5b0f9c3431dba2bcaa3c3d9f761
encoding: FLOAT32
metadata:
{"chroma:document": "The most important values I look for in a credit card company is courtesy, empathy, understanding and a professional attribute that isn't stern and unshakable. Merrick has these values, and I would give up all my cards and just keep Merrick."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad9da6d684ef4c0b937374043ab6b292
encoding: FLOAT32
metadata:
{"chroma:document": "I was forced into bankruptcy over a year ago and Merrick Bank gave me the opportunity to rebuild my credit. I am on social security and this card has allowed me to get emergency purchases. After making payments for 8 months, I was given an increase to my credit as was promised. I would recommend Merrick Bank to anyone who needs to rebuild credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e0ccbf3c96d04249857086d639db4c8b
encoding: FLOAT32
metadata:
{"chroma:document": "I would have complete peace of mind recommending Merrick Bank to any friend of mine. The credit offer extended to me (I am trying to repair a credit rating that suffered a major setback in the past ten years) was a credit limit of $1,400 that would double to $2,800 if I made all my payments on time for ten billing cycles. They were true to their word and my \"on-time\" payment history has been useful in helping my credit scores go over 700 for the first time in my life. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e41a064f448b41ce83a9d86d70c85218
encoding: FLOAT32
metadata:
{"chroma:document": "I have several credit cards but Merrick bank has by far exceeded the rest. The things that stand out the most is: posting time. I have some cards that will only let me pay the bill on the due date and another that doesn't post to my account for 5 days. Merrick is far better than the others and I would refer them to others. We are in the process of eliminating other cards we have but we are keeping this one."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aeed75b094cf4301899232386da61f34
encoding: FLOAT32
metadata:
{"chroma:document": "I was a wife with no control of finances or in reality life. Merrick gave me an offer to begin building my credit and I took it. I'm so happy to say that my credit score has improved greatly and I finally feel like I can successfully manage my life and credit. Thank you for giving me that ability..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 31e8aa9619dd4b80bdc0f0f86a4e6aae
encoding: FLOAT32
metadata:
{"chroma:document": "I have never had any bad experiences with Merrick. Love the Merrick Bank app... Makes it easy to review my account, pay my bill, edit payments, and speak with someone if I have any questions regarding my account. My credit line was doubled after 7 months since I made on time payments."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1ace1c860c74e769a8d9d7f6bd43ceb
encoding: FLOAT32
metadata:
{"chroma:document": "Called in regards to a hack of another credit card to \"Freeze\" this account for a 2-week span to allow \"Clearing of any possible charges\" that might be pending, not legitimate of my purchases. The customer care Representative was very polite and thorough in confirming and locking the card. As well as the representative that re-established the card's activity."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f60c8fbe48204f7c863212f4ee03e567
encoding: FLOAT32
metadata:
{"chroma:document": "Overall, my experience has been \"fine.\" Not great, not outstanding, not exceptional. You provide a card, I use it occasionally. The billing seems accurate. That's about it. Your website is really fairly rudimentary and seems to be a decade behind your competitors. For example, I can't see pending transactions on my account, only charges that have been actually posted. I don't use your card when I travel out of the country because you have a foreign transaction fee, and I have another card that doesn't, so they win. I have other cards that give me between 1% and 2% cash back on purchases. You don't. Once again, they win. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e4de17c275f42ba9a66fc10d757121f
encoding: FLOAT32
metadata:
{"chroma:document": "I am very pleased with my experience with Merrick Bank. No complaints at all. I do wish however they would reward excellent use/payment history with an offer to reduce the interest rate. Thank you!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f28c19ade6244eeba92dfc3b2a320ae6
encoding: FLOAT32
metadata:
{"chroma:document": "I love the fact that I can see my credit score once a month without having to go to a separate site. Also without asking my credit limit was raised because of repeated on time payments."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 715f06488f6a4c7997e257fe43311301
encoding: FLOAT32
metadata:
{"chroma:document": "I am grateful that Merrick Bank has seen my record in using my credit card and extended me additional credit along the way. The website is very easy to use and when calling to speak to someone they are always courteous and helpful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f1b17752ef954777a4ba636597ab3049
encoding: FLOAT32
metadata:
{"chroma:document": "You people gave me a chance to prove I am credit worthy, I am always on time and ahead of time and ALWAYS pay more than minimum payment. You trust me with your money and I will never forget your bank. Thank You All Again, a customer for life."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17849382af2c4a4ba683e0f952bd12f8
encoding: FLOAT32
metadata:
{"chroma:document": "Merrick Bank is by far the easiest to work with. They are completely customer centered. I never thought I would give positive feedback for any bank. But I am very pleased. They give rewards without asking for them, and they keep a close eye on transactions to make sure your account is secure. Top notch guys! Bravo!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d2b6864e6adb4ca29675a71df8f76265
encoding: FLOAT32
metadata:
{"chroma:document": "I have had my Merrick account for a few months. I got a call yesterday stating that there may have been fraudulent charges on my account. After talking about this with the representative, I discovered that the charges were in fact, fraudulent. They canceled my card and now they are freezing my account. I made one simple request. I wanted a statement so I could investigate the charges on my account. The website doesn't show pending charges. The rep was annoyed that I made this request. He literally stated, \"Sir, I'm telling you what the charges are.\" Understandably, I want to see the charges for myself. I requested they mail me a statement of some kind showing all the charges on the account since the last time the horrible out of date website posted a charge. He acted as though I had asked for the moon and I was told I could not get that. After going back and forth with this guy for 10 minutes about why I wanted it, I decided to end the call."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d25f147a54714f55a6747c062581e445
encoding: FLOAT32
metadata:
{"chroma:document": "Ok we have been continuously charged with fees. The last one was a late fee $38 which would be ok if my payment was late but it was due on Jan 11th. It was paid on January 11 and then a few days later I was charged the late fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: afe87ec5113549aba1d0a0d22c4d1710
encoding: FLOAT32
metadata:
{"chroma:document": "Paid my bill off in full... got a $4 service fee. When calling I asked about the fee, and about reducing the interest rate as I've been a card holder for almost 2 years and have never been late. The response from them was paper fee... although there was no bill for them to send out a paper fee for. And they said if I didn't want to pay the interest rate they could close my account. Asked them \"you would rather close a good customer account than reduce the interest?\" They responded yes."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0b7981ee339f4c0192553b3af90a5022
encoding: FLOAT32
metadata:
{"chroma:document": "New customer here. Visa Platinum (not a secured card). I was getting close to my limit so I made a $350 payment online. After 4 business days the money had been taken out of my bank account, the payment had been posted on my card, the balance on the card reflected my payment but I'm showing $0.00 Available credit. I called customer service (since they have no way of contacting them online) and was told that there was a hold and the funds wouldn't be available for two more days, with no reason given. Sorry, but this is unacceptable. And honestly it's really as simple as that. I didn't go over my limit, didn't make any weird out of county purchases, I just made a payment prior to the actual due date because I was getting close to my limit. And for that, for being responsible, I'm punished with hold on the funds that I sent them. Well off to file a complaint with the Consumer Financial Protection Bureau."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ccfad8070dda45369815a5ca47f9f454
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an acct. (secured) with these yahoos 3 yrs ago, used the card every month, made PERFECT payments for 3 yrs straight. Never once did they ever offer me a thing, no appreciation at all. I closed the acct. owing them $3.00, so they wanted to charge me an additional $15.00 to close my acct. and then another $3.00 out of my secured $200.00 I opened it with. I closed it and would never again deal with such thieves. Save yourself the headache. Look at other or different cards that at least are glad to have your business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60245a47887643c09458380edd699e8b
encoding: FLOAT32
metadata:
{"chroma:document": "Our entire family each have been banking with Arrowhead Credit Union for over 10 years. We switched from larger bank BOA and couldn\u2019t be any happier. I\u2019ve received the lowest interest rate on both our new & preowned car purchases. And my visa credit card rate is also lower than my non arrowhead accounts. The only thing I wish is for credit card holders had way of locking credit card via website like my Citi & Capital one accounts in case you misplaced your card. It took about 45 minutes of being on hold for next available person during a mid-day week to be able to place a stop on my visa credit card. Overall all been happy customer with Arrowhead credit Union."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aba0fc24de8040b9b6cbbdb19d81a7cb
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with this bank for about 2 years and have never, ever had an issue either with online or in person. The staff are always efficient and pleasant. When I have an issue with my debit card, they remedy the issue very quickly and satisfactorily. They have industry standard hours during the week and on weekends. Their shared ATM access is never an issue either. I can readily find an ATM when needed with no surcharge."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53ee88dbb1a4463ba95960aa381a9862
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Arrowhead credit union for over 5 years.... I figured when covid-19 started I could depend on my bank. They posted all over the site, \"We are here for you if you are struggling.\" So I applied for a $2,000 loan to help my family. They denied me. I asked for help about 3 times since the pandemic. I was denied each time. Mind you my account not once being negative. So this week I went to them and asked if they could refinance me with my car. I know I don't have the best credit but during this pandemic I have made all 18 payments on my car. They denied refinancing me. This is the worst credit union when you're in a bind. I wouldn't tell anyone to bank with Arrowhead credit union."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 34cd53405b3743a8ab13fe9918432382
encoding: FLOAT32
metadata:
{"chroma:document": "Hello I have been a customer with your bank. When I first signed up it was because I was starting up my company And amazon needed a credit card. I started a secured account with you. Later opening up another secured account. From there however I had nothing but a bad relationship with you 1. I opened a checking for just my Shopify sales. I had a Customer with a VERIFIED tracking COMMITTING fraud FOR A FREE ITEM. The customers bank was constantly trying to reverse the charge. I showed you proof in the bank but still You allowed me to constantly get the NSF fee even though it was fraud. By the time it was over the NSF fees matched the cost of the item. The manager said \u2018I\u2019ll waive this not those.\u2019 I closed the account and opened it somewhere I dont have issues with allowing fraud. I had 22K accidentally DEPOSITED IN ARROWHEAD. I TOOK IT OUT IN LESS THAN 24 HOURS. I CAN'T BUILD A BANKING RELATIONSHIP WITH YOU ANYMORE. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d40de6de27ad4e93a81e3828ed2a8fd9
encoding: FLOAT32
metadata:
{"chroma:document": "My account was closed for being inactive for a year and when I went in to cash a check, the teller was in training for a short period of time and she was very knowledgeable and informative. The teller training her was very patient with the troubles of my situation. It took me 2 trips to the bank to finally get my account back up and I was ok with that because of how courteous and attentive the tellers were."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc0612301f8b4412abde57f14bbbcbb4
encoding: FLOAT32
metadata:
{"chroma:document": "Arrowhead credit union called me and told me someone found my wallet and arrowhead will lock my ATM card. That\u2019s great! Did the person say where I could come and get my wallet? Arrowhead credit union responded they cannot provide that information it is unsafe. Then she said I can come in and get a new card or she can mail me one in 4 to 6 Weeks. How\u2019s the hell am I supposed to come in and get a new card if I don\u2019t have a wallet with my drive'rs license!? She said, \"Sorry that is the rules.\" That is one of the most stupidest rule I\u2019ve heard at arrowhead credit Union. Now I have to go and apply for new driver's license with new credit cards new ATM card stupid stupid stupid! All we had to do was exchange the information for me and I could\u2019ve got my wallet back....Jesus freaking Christ."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6ff9e0cb039b459984997af569d99eef
encoding: FLOAT32
metadata:
{"chroma:document": "Just recently encountered a problem.... which was my fault. I have 2 bank accounts open at Arrowhead I have one account that is negative, and the other account is in good standing. So I accidentally deposited money (ATM deposit) into the negative account and I FREAKED OUT! So I called the call center and told them I made a BIG mistake and really needed that money to go into the correct account because I needed that money. They were so understanding to my needs and helped me out. They transferred the money out the negative account to the correct account. I've been a member with them since 2014, I've NEVER had any issues with the call center or the Riverside Branch."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8f7a316e034f4909af846a0d32d49d26
encoding: FLOAT32
metadata:
{"chroma:document": "This company is terrible and they are a bunch of scammers. Very rude customer service agents that are in some serious need of training! They claim there is no credit check but approve your loan and then collect more personal info and deny the loan after due to a mysterious credit check they claim they do not do. Just terrible all around."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 27250c2e64ac425790b428828f40a881
encoding: FLOAT32
metadata:
{"chroma:document": "We merged with Arrowhead CU in December, 2018 amidst a whirlwind of promises of expanded services and advanced online banking services. Their mobile banking app and website can be accessed only within the United States! Military and overseas workers cannot access their bank balances, loans, transfers, cleared payments. The internet is supposed to be worldwide. Arrowhead provides local service only. What if a member takes a trip to Europe? The app does not travel with you. If you run out of money, plan to phone and be on hold forever. This ancient technology and lack of internet access puts military families in danger of financial ruin."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 61b4624dff1946d4bf832dd3ad5600bc
encoding: FLOAT32
metadata:
{"chroma:document": "Arrowhead of San Bernardino. Applied at multiple institutions for a Home equity loan. Arrowhead had the best interest rates, terms and 0 fees. Our home appraisal came in higher than expected so we were able to get a higher payout at 85% LTV. The only bad thing was that they don't take appointments to sign the closing documents. We had to wait in the lobby for more than an hour. A home equity loan is a premium product and they should take appointments especially since they only have 1 notary on duty."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4140fee6774f43cdaffa8e95b80a0750
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America is the worst with gift cards. The customer service person said because the card was expired they couldn't open the account to reissue funds even though they got their money. Meanwhile, the person on the phone admitted they only offer 9 month gift cards. My company bought the cards in Nov 2019, gave it to employees (me) in Dec 2019. I wanted to spend it for the holidays, Dec 2020, and didn't realize it's only for 9 months and in my case I had it for 8 months. Such scam artists. I remember the issues I had with the BOA credit card. Cancelled that long ago."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7bcc43ae434a4c0d9c00d6509c78aea6
encoding: FLOAT32
metadata:
{"chroma:document": "Card expired and they are saying there is nothing they can do. I forfeit the funds. Shame on BOA...absolutely ridiculous. I have had other cards expire from other banks. Some partial balances and some never used. They have ALWAYS been replaced!!! ALWAYS!!!!! This is just plain theft. Shame on BOA!!! IF I could give ZERO stars I would!!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9144da6625bd4fbb8489aa3bebab353a
encoding: FLOAT32
metadata:
{"chroma:document": "The Bank of America (hereby BOA) is the largest bank in America. However, \"BIGGER does not mean BETTER!\" I won a Sales Contest and received $250 worth of VISA DEBIT Cards. I'll admit that I put off using the cards because I had a specific purpose in mind for their use. I inadvertently misplaced them and when I did locate them I realized I had missed the cut off date for their expiration. Again, that's on me. I called the BOA Customer Service Department to inquire about the status of the cards and they stated the account \"was closed\" and that the FUNDS had been \"Forfeited BACK TO THE BANK!\" I inquired about being reinstated and paying any sort of fee for carrying a balance. I was informed that they had no such option. There is some sort of agreement between the Sponsoring Company and BOA that the funds are kept by BOA. In any event, BOA was determined not to reinstate the cards which still had the activation stickers affixed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c44f8c455364e31a89d06013d41bb8a
encoding: FLOAT32
metadata:
{"chroma:document": "Bank of America provides the option of getting gift cards with rewards points. I tried to redeem 2 gift cards from Amazon and Amazon said that Bank of America requested the money back. Bank of America Customer service at Amazon told me that BOA actually got all the money back from the bank who issued the cards. This can't be legal. BOA offered me this promotion then reclaimed the gift card money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0374ec0fe7844ccc8c8addfbb975743d
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give them zero stars I would. I had an issue logging into my account two weeks ago because the battery in my security device has died. After going through all the security questions with customer support they would still not answer questions I had on my account stating that they couldn't verify me even though I had answered multiple questions which no-one else would have the answers to. They had to get someone else to call me back and after going through the whole ridiculous procedure of taking pictures of my driver's license and a selfie I got the answers I was looking for. However, the agent I was speaking with then asked me if I wanted to update my email address and mobile phone number to my account which I did. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79ec08c3ad0c4e19b83c9753c316c402
encoding: FLOAT32
metadata:
{"chroma:document": "Liars and thieves in the Philippines: \"Sir you set up account you will receive *** dollars.\" I deposited over 30 mil pesos and got nothing. I wanted to change my pesos to dollars. \"Sir you MUST put your dollars into a 3 month time deposit with ZERO interest for 3 months before you can have your money.\" OMG. Now I'm in the US. For the last 30 mins I have been trying to change my password. TOO DAMN many codes, too damn many steps.. Before I can change it on my laptop they are requiring me to download their APP and log in to change a simple ** password.. Couldn't figure it out. Got on chat, she was worthless. Now I'm on hold 20 mins and I am a \"PREMIER CUSTOMER\". 1 hour to change a password.."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab651b102e2942eb87b5c8fb44ed7eca
encoding: FLOAT32
metadata:
{"chroma:document": "To whom it may concern: I moved to Abu Dhabi from the USA, and I needed a bank. So I selected HSBC, which a friend recommended. Since then, I have gone from one disappointment to another. It took them seven business days to send me some means to access my bank accounts, such as a credit card or checks. Now here is the exciting part: When I signed off, they said they would do it if I needed a loan for a car or anything else. And when I subscribed for a car loan after 30 days, I was denied. Their policy requires 12 month's history. I was asking for a fast car loan. Even though the car belonged to them, they did not process it. Even though the car is under warranty, they did not process it. Bottom line, do not trust HSBC: What they say is not what they do. They are not different from other banks (even worst). I do not recommend HSBC. The service is null and they are not transparent with their policy. Regards, Franck"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec650015b8a144d2afb312fd4dd2b190
encoding: FLOAT32
metadata:
{"chroma:document": "Absolutely worst experience of opening a bank account I have ever had. It took 1 hr and 50 min to open 2 simple saving accounts! Even though filed an online application and got a reference code, it could not be found in the system, so had to start from scratch. Then bank cards did not work and new ones had to be reissued. The creation of a customer profile takes forever for no apparent reason: the bank associate just endlessly fills out something on the computer without really asking any questions, except the basics of name, IDs, address and employment. Inconceivable why it needs to take so long!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 000bb6aa21ae45f5861bb1dedd46d645
encoding: FLOAT32
metadata:
{"chroma:document": "Living abroad it isn\u2019t easy to open a bank account as an American citizen due to US taxing laws; this was the bank my university suggested/practically insisted we use to \u201cfacilitate\u201d our transition to living in France as they told us horror stories about how we couldn\u2019t do xyz without a French bank. I have later learned that this is not true and there are alternatives. Honestly, it has been the biggest regret of my life and I will never step foot in an HSBC branch again. The tellers at my particular branch on Saint Dominique are lovely but this bank has some very strange practices and has no issues locking, restricting, or cancelling your account for anything you do, all without telling you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1a23f1707d78484c875f21af2eec148e
encoding: FLOAT32
metadata:
{"chroma:document": "HSBC is truly the worst inefficient and crooked bank. HSBC should be sued. They will charge fees for everything and freeze your account if you do not use it within 9 months. The way to unfreeze your account is to make fund transfer transaction that will cost money. HSBC does everything to try to steal money from the customer. The online chat representatives cannot resolve anything and will drag the chat on for unnecessary time. Normally takes 1-2 hours on chat to get someone to try to help but in the end they do not help and they will tell you to call or visit the bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 536e3b186fa549878ac3da31ff74bde3
encoding: FLOAT32
metadata:
{"chroma:document": "I WAS a client of HSBC for about eleven years. As an expat this was a great fit. HSBC being an international enterprise made life easy. (Wire transfers, cash machine, in-country branches, etc.) Smooth sailing with these guys, monthly wire transfers were flawless, customer service was professional....no complaints at all. Everything was rolling along fine until they decided to cut US operations and concentrate on higher-end clients. I qualified as one of these clients (75,000 min. balance) when I relocated, but real estate, vehicle, etc... purchases took care of that status. I don't blame them AT ALL. Much more profit to be had in Hong Kong and Mainland China than my minuscule deposits. Anyway.....my only regret is that my account got dumped to CITIZENS BANK. How did that go? Well I wrote a little piece about them last night, check it out if you will. Calling that bank a dumpster fire would be disrespectful to dumpster fires. (my opinion)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a3b3c6f691248728f254c89892dde5c
encoding: FLOAT32
metadata:
{"chroma:document": "Don't Trust HSBC's Promotion! I've been their premier account customer for 20+ years and mostly in Asia. I moved back to BC Canada 8 years ago and the nightmare started. Most of their staff have an attitude that customers are there to serve them so they can have their salaries and job promotions. I thought things were improving last year when I was assigned a new account manager. She was very helpful and I started to move my cash to HSBC from another bank. After deposited a chunk of my saving there, they have a promotion to attract more deposit because people are moving money away due to some stupid act they did in Asia (freezing legit a/c because of political reason (sounds familiar?). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f24c493f1d5845668a79764356a5f92d
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an HSBC expat account due to relocating abroad, thinking that I was upgrading my bank and helping with my new international position. I can't tell you the time wasted and stress caused since we opened the account in July 2021 to now, Feb 2022. From start to finish, they have failed at even the most basic of banking services and my free, UK Co-operative bank was significantly better. I don't even want to waste more of my life detailing the issues, just take my advice, never open an HSBC account for anything. (I'm even on the chat function now as a $6k payment has gone missing and they don't know what's happened to it)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6dd3d58b4ed74a1e83251cd293ab0fac
encoding: FLOAT32
metadata:
{"chroma:document": "The Premier account is a scam. It charges 34.95 a month. The Waiver conditions are so high, it is only for rich guys. After 6 years being a Premier checking account, I wanted to remove and down grade to a normal checking account. It was a night mare to get through the right person. After several trials; online chat, phones, I can still not able to do this. waste lots of time, and frustrated. When you call the customer service, people either from India with heavy accent, and you will be asked to call another number which is not a right number either!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d773b94643204ce9a54d7c4086017033
encoding: FLOAT32
metadata:
{"chroma:document": "Made a CC enquiry 5 years ago, have emailed and called recently to have them remove the enquiry from my Credit Report. Every time I speak to someone they ask for my reference #, despite never being able to give me one. When I ask them to give me a reference # for my file or the enquiry they tell me the \"other department\" has that information and they do not have access to it. Every time I call to follow up, they tell me it is with another department, but cannot tell me which department and that I have to wait for this department to contact me. Will not give me contact details for the \"other department\" so I can follow up with them myself. I asked them who do I call and what reference # can I use the next time I call to follow up and they tell me to call (this) same number and I do not have a reference number, so every time I call to follow up the cycle is repeated. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1be20fc3fe054e758b19cd648ac840ec
encoding: FLOAT32
metadata:
{"chroma:document": "After having a checking account with HSBC for over a year, I received an email informing me that they are closing my account. (Never had bad checks or overdrafts on my account). HSBC would never explain the reasoning. When they closed my account in Aug 2021, there was over $900 in the account. Still as of today 12/18/2021, they have yet to release my money back to me. Clearly unless you are just loaded with money and can spare $900, DON'T USE HSBC BANK.!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e06634303afe414ab802b6f0de35b254
encoding: FLOAT32
metadata:
{"chroma:document": "HSBC has a new Global Baking account that gives you market exchange rates less a 1.5% spread. However, for a transfer from a Pounds Sterling account in the UK into your own US$ account as a Premier customer, they take a huge spread of 3.25% which is more than many credit cards take on small amounts. I tried complaining but they won't discuss it due to \"commercial sensitivity\"!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1c48ae548d124d36a70856a37ca97ff3
encoding: FLOAT32
metadata:
{"chroma:document": "HSBC advertises a $450 bonus with a $5000 direct deposit in 3 months. I walled to see if that was $5,000 total or each month because the ad was not clear. I was told that it was definitely cumulative, a total of $5,000 within 3 months. After 3 months I am told it was $5,000 EACH month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e029cb965c744d7280850e6bb087f4fb
encoding: FLOAT32
metadata:
{"chroma:document": "Had to use phone funds transfer service because online banking was failing with errors. They got the name of payee totally wrong (but it is a well known brokerage firm!) Payment is now nowhere to be found."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38b3f6ef58df4a86a7c7bbae598cf35f
encoding: FLOAT32
metadata:
{"chroma:document": "I saw a promotion for opening a checking account. I applied, and it took 4 days for a response. I was approved for Basic Banking. I read the reviews online, so when I funded the account transferred a few dollars via CashApp. The deposit didn't post for 2 days. I thought it might've been due to the account being new."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a7e33c944834d4bb14b35dcb9825a6b
encoding: FLOAT32
metadata:
{"chroma:document": "If you are looking for good service THIS IS NOT THE BANK TO BE WITH. In my opinion HSBC is excellent in Europe & Asia BUT not in Canada. The staff here in Canada is highly unprofessional and lack even basic knowledge, customer service & English language skills. To make experience worse, the Vaughan Mills (Vaughan, ON, Canada)  branch manager \"Rose **\" lacks management skills, is highly ignorant and delusional of her role. Would love to see HSBC senior management take note of it and focus on training staff in great customer service that they are known for in other parts of the world, else risk brand image."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: def9b2265297423080f13f38ac496b60
encoding: FLOAT32
metadata:
{"chroma:document": "I just wonder does Headquarters cares about its reputation? **. This is ridiculously low. Even scammers get better reviews. I will copy my comments."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ee53311fd8584f1c8e429da80933e75c
encoding: FLOAT32
metadata:
{"chroma:document": "Need to have a drive through window in the new HSBC branch in Westbury N.Y. Also, need to have a branch closer to my home in Mineola, Williston Park or Albertson N.Y. All banks should have a drive up window. I am disabled and it is difficult for me to get out of my car and walk into the bank just to make a simple deposit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7015b71c0c31472c9b46452fa16ec7c3
encoding: FLOAT32
metadata:
{"chroma:document": "I called to HSBC with a request to check if I am eligible for a new checking account promotion since I already had CD some time ago. I spoke with four different HSBC representatives and no one could understand my question. It turned out that I was rerouted from Philippines to India, and From India to somewhere else but not USA branch. Each time I asked for a manager, I was rerouted to anyone else but NOT to the manager. All out of State reps kept asking me different questions not related to my main question. I am wondering how the business is done if reps don't understand what they are doing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 14b24452aafd4208a07f033142bb52c5
encoding: FLOAT32
metadata:
{"chroma:document": "Worst bank to do business with. Staff is unfriendly and dismissive of any issues that arise with your account. The bank acts with impunity when it comes to its actions and they will not respond or provide you with explanations when confronted. If you have the opportunity to bank with someone else, do so, it will save you headache and frustration. The bank doesn\u2019t work with Zelle or Plaid so it makes linking your account very difficult. Forrest Hill, the VP is especially unhelpful and never returns calls or offers any real help. The customer service is routed to India and the people you speak to have no real desire to help you out. Calls regular get disconnected and you will never receive a call back. The customer service representative Rachel ** should not even have a job. She was supposed to be my point of contact but never returned any of my calls or emails. Overall, worst experience I have ever had with a bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4bd9dc85344a4914bc87f10e04558c75
encoding: FLOAT32
metadata:
{"chroma:document": "This lender marketed a number of third party services and I got stuck with a home warranty company that refused to honor the terms of the warranty. When I contacted the mortgage lender for their assistance, not only did they nor provide assistance, they would not even respond to my letters."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9f0b0c2b75a643829638ffac61867b63
encoding: FLOAT32
metadata:
{"chroma:document": "HSBC were so poor it beggars belief. My former wife, (current GF) who works for a top 10 publicly listed ASX company got a loan pre approval. It all went smoothly. I decided to also look at an investment home loan through HSBC. I offered cover (including the investment home) at over 9x. I gave them my salary details, but b/c I work for a family business I was treated differently. I gave a 19 tax return and a 2020 tax return showing a pre tax salary of 25% of what I was seeking to loan. As I am a director of 4 companies (3 of which no longer trade and I have a trust), I was treated with serious distrust. So 9x plus cover as security and they won't lend to me b/c I work for a family business. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 90b09be266ad42dd85f9d51ac641868b
encoding: FLOAT32
metadata:
{"chroma:document": "Well, I am Manu from India, after looking on Wikipedia that HSBC is one of the finest bank in the world and checked if their services are available in India or not. And I found their services in India and after checking their website www.hsbc.co.in in India I finally found that they are offering a banking services in India. Even a zero balance bank account is available... I found a branch and visit the branch, I thought because it's one of the largest bank in the world, I thought I will go there and just open an account in a minutes. But after visiting the branch I was felt like they want to know everything about us and despite of opening bank account they were talking about everything else."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5c43d35d733b485988b60ef7492d0cf8
encoding: FLOAT32
metadata:
{"chroma:document": "I am an existing FD customer. Trying now, for 6 weeks, on a daily basis to complete the process of opening a business account. Hours spent several times a day trying to get through (yesterday 2 hours!). Equally online application process - verification of ID, which shouldn't be required since I am an existing customer not working. Online support/chat more than useless. Now tried to use online complaint form and it tells me that my email is invalid. This is breathtakingly incompetent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 980da1e5e9354f5691a7829118498067
encoding: FLOAT32
metadata:
{"chroma:document": "Worst bank I have ever dealt with - STAY AWAY FROM THEM! I have been a premier customer for 7 years and if I had a choice, I would give this bank a fat 0. They are a complete bunch of incompetent clowns and thieves. HSBC customer services is worse than useless, they obviously do not know what they are doing. I finally was going down to the branch in Nice to close my account. I was told it will be closed, but I can see that they finally refused. Moreover, they charge 15 euros each month for NOTHING and even charged me 8 euro, but for what? HSBC took money out of my account dishonestly. STAY AWAY!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc08e9d86c294f03b02301f311270ebc
encoding: FLOAT32
metadata:
{"chroma:document": "I made a mistake twice and joined HSBC for the second time after 5 years, purely deceived by their offers on cashback on transactions etc. But please don't fall for this little incentive as the headache dealing with this bank does not worth the hassle and the offer, believe me:"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b1a33c4cac3d4b37a24e9e1a94b542e2
encoding: FLOAT32
metadata:
{"chroma:document": "After depositing a mobile check, without notice, without reason and without indication HSBC US blocked my account access. My Money and I cannot access it. Customer service keeps on repeating scripted texts. HORRIBLE HORRIBLE HORRIBLE Banking practices. I have never seen a worst bank like HSBC. I had to pay my rent and I couldn't, I had to pay my fees, but I couldn't. What if I was on road, what if I had to undergo surgery, what if I meet with an accident. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0da118a40e14b16aa18226111f68330
encoding: FLOAT32
metadata:
{"chroma:document": "HSBC hold my wire transfer for more than one month. When I asked them any reasons they don't respond my question. Never see this on another bank. Not a professional services. Very disappoint. Never use this bank again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0e0371e98a6744bf9dda1a9ce167f9e6
encoding: FLOAT32
metadata:
{"chroma:document": "It\u2019s great when you can transact with the same bank in different countries however the international money transfer fees are just so high and the minimum balance requirements at times are a huge hindrance in Covid times when there\u2019s more cash outflow than inflow."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8612c2b9910143ed95fa95485e5367c3
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an HSBC Direct Savings account in early May. I transferred a substantial amount from another bank via a bank-to-bank wire transfer. The money was transferred from a joint account I shared with my husband into a sole ownership HSBC account. I looked at the account from the bank I transferred the funds and I saw it was debited. It was also credited to the HSBC account. Last week I got an email that froze my account because of irregularities in account holders. I tried to log into my HSBC internet banking account but it was frozen. That is where the nightmare started. I called and was transferred to a call center I think in India. Then I spent a long time for identity verification and then proceeded to resolve the problem. I was put on hold and I patiently waited for over 30 minutes listening to the music. Frustrated I hung up and called again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5b86033a7f8e4df3afe056d438f0ecaa
encoding: FLOAT32
metadata:
{"chroma:document": "Hsbc bank is the most unorganized bank I have ever dealt with. For weeks we have tried to access the account, then another 3 weeks to close the account. All we wanted to do was verify the account so we could use the online site. They weren't able to help us to that. Constantly forwarded to different customer service representatives for days and days because no one could help us and it felt like they couldn't even give us any information about our account. So many hours wasted on their part and of our time. I feel sorry for anyone that opens up an account with HSBC."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de6ae89859234ee7883fbf39473b447a
encoding: FLOAT32
metadata:
{"chroma:document": "I gave a second chance to HSBC 2 months ago after a bad experience 5 years ago. 2 months ago, I opened a bank account, I have no access to online banking. I can\u2019t check my balance or make transfer to hsbc France, or do anything. I called maybe 10 times, Stayed hours on the phone, with promises to call me back ... Nothing... I spent an hour and half in the branch. Still nothing. I can\u2019t use my bank account at all. I can\u2019t access my online statement, I can use bill pay, I can\u2019t use my money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e2dfb76cb97340f59e7ba0b2ba2fdd10
encoding: FLOAT32
metadata:
{"chroma:document": "Customer support staff are repeatedly arrogant, unhelpful, restrictive over many years without improvement. Cannot be recommended to get entangled with longer term. Comparatively, very poor security filtering, resolution, brand loyalty, QOS. Still have a blocked joint account 8 mths later with substantial funds after acrimonious split then HSBC highlight all transactions as atypical (because I had to switch accounts but staff can never comprehend, because they are sub-contracted and care nothing for preservation of brand loyalty). HSBC can be fully expected to collapse without warning."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c906509fc0924f1ca3443d3e189a0d42
encoding: FLOAT32
metadata:
{"chroma:document": "Online and mobile banking locked, just cannot get through on the telephone, branch is only open in Wigan 10-2 Monday to Friday so you are suppose to take annual leave just to get a bank statement and have access opened for your bank account, not good at all."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62d602df8ce040e585909f0123f4a175
encoding: FLOAT32
metadata:
{"chroma:document": "This is hands down the worst experience with a bank I've ever had. They blocked my account over a week ago and refuse to allow me to access the $30k that I have deposited in their bank. I made a mobile deposit from my credit union and the fraud dept flagged because it's a credit union. They continue to block any access to my account and will not allow me to withdraw my money or close the account. Please don't do business with this bank unless you want them using your money for their personal gain. They are extremely dishonest and irresponsible with \"your\" money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: acec8999dad74b3aadcfbffccc244fee
encoding: FLOAT32
metadata:
{"chroma:document": "We did 2 international transactions, 1 within 2 HSBC accounts. They both took more than 3 months to complete, not something you want in online banking. Eventually, I had to make the transfer at a physical bank. The online banking platform, at least in Indonesia, is not very user friendly and contains hiccups. It's not possible to search for a specific transaction in your e-statements so you have to sift through all transactions that month. Additionally, when looking back at e-statements, after opening 4 statements, I only get pop-ups with gibberish. This continues after signing out and in again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d97c78b2dde466f9091e054ec556a3d
encoding: FLOAT32
metadata:
{"chroma:document": "I was scammed for a jewelry purchase in October for 4100.00 and they refuse to help as it is fake jewelry and they ask me to put out more money and get appraisal on the pieces. HSBC needs to help their customers"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2d07493273224af38f70031a097e87a8
encoding: FLOAT32
metadata:
{"chroma:document": "6 months after opening a new account and meeting all criteria for a bonus offer of $750, they said I didn't use the correct promotional landing page originally. #deceptivepractice, #falseadvertising I even confirmed that I met the criteria throughout the waiting period, and did direct deposits and kept minimum balance, etc. No way I can prove the landing page I used 6 months prior."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c22af57ca56546359d80f08cacbaedc7
encoding: FLOAT32
metadata:
{"chroma:document": "Their website was not working for me for most of today and so I called them on the phone. The quality of the voice was so bad that I could barely understand them. These are very simple things and if you can't make those work reliably then I'm afraid you need new people in charge."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c08bbfae50640879f902c984d9f765f
encoding: FLOAT32
metadata:
{"chroma:document": "I have opened a Premier account with the HSBC France. After going through whole bunch of document verification's I have received a letter of confirmation from the account opening department regarding my online banking secret code and user name which will be mailed in 15 days and my bank manager will be contacting with me as a new premier customer to discuss the banking information etc. BOY A BOY! No online banking login information and no call from the bank manager! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 55fa7e24643543469006dffdc989d8d7
encoding: FLOAT32
metadata:
{"chroma:document": "I waited for 3 hours in the bank to cancel my account. When it finally was my turn they refused to cancel my account despite me having all the documents needed to cancel. When I asked them to show me where in the contract it says I'm not allowed to cancel my account and what documents were missing I was told it was my problem to figure it out. Horrible service and horrible attitude overall. Avoid doing business with them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd482423054848989748f3631c0ee122
encoding: FLOAT32
metadata:
{"chroma:document": "I paid off my debt on September 2019 and close account as request. They told me it is close, but month later they set the bill with the charge. I call back and they said it's the interest charge. I paid it and they still send the bill on the month after. I came to HSBC bank branch. After while they said it's close and ok. Month later they keep sending bill to me. That's a scam bank and people work in there not nice either. Get away with this. Also I figure out this bank come from Hongkong. Id that the way as Chinese try to cheat us? I will file complaint to US government to see what happen."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5ac85e2fb84848be967be94965b2c8b9
encoding: FLOAT32
metadata:
{"chroma:document": "Every time I call customer service I get someone in India. I can't understand them as they talk too fast and English is not their first language. Looking online to make a complaint, there are telephone numbers listed (someone else said they are not operational) but no place to email. Eventually I found a link called 'Customer Feedback'. Clicking on that I was then routed to a page on Questions and Answers. I am just going to stop using the card. Save yourself the hassle and don't respond to their many snail mail solicitations for a 'Preapproved\" credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4a41ddd8dd7e4a26b8655847129860a5
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a CD for 10,000 dollars on Jan. 9 2019. Closed the account 1 year later. They were suppose to Fed Ex my check and receive it in 8 to 10 days. After 12 days I called HSBC bank. They informed me that I would receive the check on Jan. 28. It never arrive. I again called HSBC bank. It was never sent. Now I received a tracking number. I called fed it to verify and it has not been picked up yet. If fed ex picks it up today, I will receive it on Jan. 30. Should I hold my breath???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8ec1732f2d4442a8b08f2e61ccbfbfa
encoding: FLOAT32
metadata:
{"chroma:document": "Did not notice an opportunity to establish a \"payable on death\" account when opening the \"HSBC Direct Savings account.\" Called HSBC and was told it is not available with that account. They suggested going to a local branch to see if they'll let me open another HSBC account. The reps thought was they might then let me extend the payable on death to the online account. That sounds dubious. HSBC also takes 3 business days to transfer money to another bank. One of my banks takes one business day."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 39b253b6c9a444f4aa083cd4911029de
encoding: FLOAT32
metadata:
{"chroma:document": "HSBC offers extravagant incentives to open an account and then just jerks you around and doesn't pay. TOTAL waste of many hours of my life and the customer service is AWFUL. They will take your money and not live up to their end of the offer. STAY AWAY and don't waste your time!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d2c3c214b889481a893bcd5198b61672
encoding: FLOAT32
metadata:
{"chroma:document": "HSBC has the absolute worst Customer Service in the WORLD! I only opened an account here because they were offering $400 to open a new account with Direct Deposit and man am I sorry. I literally get declined every time I try to use more than 1000.00 and have to call them every time! And Customer Service takes forever to do anything. I am closing my account TODAY, I've had it. And BTW, their App and online banking is terrible as well. AVOID AT ALL COSTS."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db936709432c4767ac84b9b4903e5c95
encoding: FLOAT32
metadata:
{"chroma:document": "HSBC's phone application(s) and the online website are just confusing and is by far the most difficult and worst online banking I have come across. I bank with more than five institutions and this one has by far been the worst experience. I would consider myself to be someone with technical experience. Phone support was very nice but besides the successful reset of my login due to a \"Generate Code\" not working, EZ pay (auto pay) wasn't able to be completed, my payment date modification was not able to be met. Their online banking needs to be reevaluated immediately. I would have rather paid the extra .50% APR with a different institution knowing the inconvenience of their software."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c2ed06846d64c7f81fc705548103f48
encoding: FLOAT32
metadata:
{"chroma:document": "HSBC bank has been the worst service I have ever heard of as far as international transfers go. Using our money the transfer is still not complete. I sent the money electronically on the 16th October and today is the 8th November and still has not arrived. It would have been cheaper to fly to the bank, get a check and fly back and wait 6 days for it to clear. You should never use this bank for your own safety and well being. Good riddance to this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 901fd168ad4347078575890aa6b662f1
encoding: FLOAT32
metadata:
{"chroma:document": "I must be an idiot for not reading this reviews and choosing HSBC's online savings solely based on their reputation as one of the premier global institution. What a fool I am. Truly, I blame myself for being an idiot way more than I blame HSBC, because the reviews were all out here. I decided to go with them over smaller regional banks that offered a more competitive return. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2bad8082782841bbbb341478d99b4554
encoding: FLOAT32
metadata:
{"chroma:document": "I am a software engineer that work for banks and built different online banking systems. HSBC online banking/app engineers/product managers/designers should be ashamed of themselves. It is the worst! Login is a headache. To setup your account you need to go to a legacy system that has a different User interface, if you see it for the first time you would think that this is a scam the website is hacked! You can do none of this with the mobile app! Similar goes to setting up automated payments. I called them, and they told me they will send me a form! A paper form to setup automatic payments! The representative herself did not suggest helping me to set it up online! They started charging me for late fees!! I never missed a payment with 8 different banks!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f2bc3ad186c42468d6b653dc2b5bbae
encoding: FLOAT32
metadata:
{"chroma:document": "I wish I had done more research prior to opening a premier account with HSBC. I like many others on here was lured into opening my account due to the $750 bonus promise. I went through the arduous process of opening my account figuring that it was just good policy to fraud screen. I was approved and had my initial deposit of $100 transferred from my Capital One 360 account. Then comes the nightmare."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f331b1c72aa494b8189484a9c1065d0
encoding: FLOAT32
metadata:
{"chroma:document": "This will be long, but please read so you avoid the psychiatric hospital bills this ** b.s. bank has made me incur. My head is still spinning over the twilight zone that HSBC will put you into. I received a letter from HSBC with a pre-approval. Not pre-qualified. Pre-approved. I'm between jobs and my daughter has very expensive medical bills, not all of which are covered by insurance. She has cancer, and that $5,000 could come in handy, so I completed the identifying info requested and VOILA! I was told I would receive an email when the card was on the way. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 921982584b044de2b29a6f3d69704302
encoding: FLOAT32
metadata:
{"chroma:document": "I just recently opened a savings online only account with BANK HSBC. This was based on top recommendations for best accounts on a website. To begin the first week I opened the account. They blocked access to it because I logged in from another location. I mentioned I use a VPN for all my online banking. They asked if I was calling from a US phone number and I was like what kind of question is that if you can see my phone number. They released the block on that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22e5a003413f4f909de561b851f51cb6
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for the online savings account because of their high rates. My initial application was immediately declined because my credit was frozen. I thawed my credit report and applied again. On the application I gave my traditional copper wire LANDLINE phone number as my home phone number. During the application, I authorized an initial deposit of $1.00. I was contacted several times for additional information. Each time I called them they wanted to send me a text message with a security code. As an alternative, they could leave the code on my voice mail. They could not send this to a phone number that was not on the application. They allowed alternative means of identification by having me answer questions about my application or my credit report during these calls. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2a1986c5f86430ea9dbed17fcf2487d
encoding: FLOAT32
metadata:
{"chroma:document": "If there's negative star I'll give negative star. First of all, I just opened a premier checking account to receive my paycheck. Since then, every interaction with HSBC is difficult. Then comes the day I tried to linked HSBC as an external account to my other checking account. The verification process triggered a security warning on HSBC's side. I was contacted by phone by HSBC to run a virus scan. They required me to send over a screenshot to unfreeze the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 830ef6824cc74b35a4abc105fa6475ef
encoding: FLOAT32
metadata:
{"chroma:document": "HSBC makes every user interaction as difficult and cumbersome as possible. Buying a home was a simpler process than setting up my US and UK accounts with this bank and ultimately required me to physically go to another state to sign a document. This initial experience was representative of every other interaction I had with the bank until I closed it today (also a nightmare). Logging into your account online requires: user name, password, child's middle name, opening their mobile app, 2 mobile clicks, and entering another generated code into the online experience. WHY DOES EVERY INTERACTION WITH YOUR BANK HAVE TO BE THE WORST! When you talk to the support team online, prepare to answer 6 levels of security EACH TIME THEY TRANSFER YOU (and they transfer you a lot). Bottom line, this bank disappointed me at every opportunity. I have worked with 6 other banks, and this is easily the worst one I have ever dealt with. AVOID!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 68dc6416285f4aa49c1fe9984c66b774
encoding: FLOAT32
metadata:
{"chroma:document": "My Real Estate Clients applied for a mortgage at this bank. HSBC Christal **, Elizabeth ** had 31 days to do an Easy loan with big downpayment - and only! 1 day before the closing date they said that loan is not ready. Before that they ignored all emails from RE companies and clients. Christal wrote she was on vacation for 2 weeks, and they have no idea when they would close the loan. It was such a big and costly mistake to do home mortgage with HSBC."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6da08d3a46ed4d8e892b5760477528c4
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for their online savings since they have the highest APY. Filled in the application, went through the credit check and the sourcing bank checks, etc... Then after 4 days I got a call from their fraud protection to provide them my driver's license. Then still after 2 days no response. I have opened similar accounts with online US based banks and everything has completed within one day. These turkeys act like you are at their mercy and they wanna take a month to approve your application... Then I read all these horror stories online and decided to withdraw my application. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 655ae110d82848598db7f434cb8ee7a8
encoding: FLOAT32
metadata:
{"chroma:document": "I was looking online for a bank that has no fees and pays a good interest rate. I came across HSBC and it looked great. I opened an account online and transferred some savings from my Capital One 360 account. All fine and good. Then I got my weekly check in the mail and decided to deposit it in my HSBC account. No problems there. But then the next day, I went to log on to my account to see if the check had been deposited, but I couldn't log in. It said my credentials were suspended so I called the 800 number to find out what happened. Long story short, after a 20 minute phone call, their company policy is to suspend your account for 5 days when you deposit a check in order for the check to clear and they couldn't give me a reason why.. just that it's their company policy... That makes no sense! This bank is the worst!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 76b43d3ac63f40ed9766d867b2d9c103
encoding: FLOAT32
metadata:
{"chroma:document": "I recently opened a new credit card with HSBC. This is my first experience with HSBC. I used checks they provided to transfer balances from other credit cards. Even though I used checks that they sent to my home address to transfer funds from one of my accounts to another one of my accounts, this still apparently triggered a fraud alert. Their fraud prevention department called and left me a message with instructions for a number to call and nine digit number to reference. I returned the call. They put me on hold for 15 minutes and then hung up on me before anyone answered the call. They then apparently put my account on hold so I could not use my card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1279c92e27d44d31b204a8d5f4849240
encoding: FLOAT32
metadata:
{"chroma:document": "They offer a bonus for keeping money in account for 90 days and then when you try to collect they say you have to wait another eight weeks. Fraud and terrible dishonest customer service. Save your money and go to a good bank like CIT, Synchrony, etc."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c553c19998de4a5d841b18c25aeefe00
encoding: FLOAT32
metadata:
{"chroma:document": "I am manoj **, I opened business bank account with HSBC for my new business content proficiency in November,2018. As i do charge online through the website and the most use of the HSBC account was to transfer money from PayPal and Stripe to the bank account through which customer pays us online through website. Only Few native clients were provided account of HSBC to put the money for the business content writing services, It would be not more than the 3% of the total business. It means that only 3%-5% customers paid directly to the HSBC account and rest I was transferring money from PayPal and Stripe to HSBC. 90% of our customers pay via PayPal and 5% to 8% on stripe."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7808d4d801cf4d2db086f6bbc137d7fc
encoding: FLOAT32
metadata:
{"chroma:document": "They say if you open a new account, you'll receive a bonus. I've been waiting past the maximum time and even after several calls to customer service, they tell me someone will reach back out and I never hear from them again after 2 weeks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5e42f8e8eeb418babe8eb5f7f4d1bfb
encoding: FLOAT32
metadata:
{"chroma:document": "DO NOT OPEN ACCOUNT HERE: On July 4th I received a text message that a fraudulent charge tried to post to my account from H&M 0291 for $195.55. I responded to the text message that the charge was not me. A few minutes later I was contacted by a representative that asked the same question. I told him as well that the charge was not me. The rep asked what was the last charge I made. I told him a $20 purchase to Sec a company that I pay on a regular basis. He took my information and stated that I would get a new card and fraud form to complete for the $195.55. I received the form and the charge for $20 was listed as fraud instead with no mention of the $195.55 (I assume because the charge was declined) so I actually should not have gotten a form in my opinion since the charge never went through."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aa75fe5991984a6e95186370e884cf7c
encoding: FLOAT32
metadata:
{"chroma:document": "I would give them 0 stars, but unfortunately that\u2019s not an option. This bank has no place in Canada and for good reason. I was in the midst of switching all my accounts over but quickly came to the realization that this was a bad idea. Their customer service is horrendous! Don\u2019t try making an appointment at your branch or any branch for that matter because there\u2019s no way to call the branch. Let that sink in for a moment...basically the only way to make appointments with them is to physically walk into a branch and hope they won\u2019t be busy. Luckily both times I walked in to a branch they were practically empty which in itself speaks volumes in terms of their retail banking market share."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 05aed42f7aef4db7807f075cef5e058f
encoding: FLOAT32
metadata:
{"chroma:document": "Purchased 2 motorcycles with son about 15 years ago. HSBC Nevada financed. Son missed SOME payments and I completely paid off 13 years ago. Never received title nor lien release letters. I sent required documents 2 years ago and still never received requested releases. Spent an hour trying to get someone to assist. Multiple calls yielded one person who gave me 2 numbers which ring unanswered. WILL NEVER BUY ANY PRODUCT THAT USES HSBC FINANCING AGAIN."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0ffe8ba89fc4029a1d6ef9f7a475eea
encoding: FLOAT32
metadata:
{"chroma:document": "Just opened an account in California at one of LA Branch and in four months I got nothing but trouble. At every few thousands dollars wire and transaction they freeze my account to verify the transaction for any potential fraud. I have an active site online and I always buys items from China. I learnt lately that this bank was under world wide investigation for money laundering. Best treatment for this bank is to to sue them for large amount for damaging my business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0776ce052e749bbbc1c4fd4f19173dc
encoding: FLOAT32
metadata:
{"chroma:document": "I applied twice for a credit card with 0% interest for 18 months.. Both times, I got an email back saying the application process wasn't complete and that I needed to call them. In both cases, they said there was a mistake in my application. I disregarded the first email and was told later that my application was withdrawn because I didn't respond. I reapplied a few months later because the 0% for 18 months was good, The second time I received a call while I was driving asking for personal information. I asked them to email me because I was driving. They sent me an email and I called them. I took the lady about 10 tries to be able to verify the code they sent me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4fb19f16d6e54fbea1d6b25a4e8c5173
encoding: FLOAT32
metadata:
{"chroma:document": "HSBC France (the intermediary) slower than a tortoise. It\u2019s been 20 days. They are not able to clear the telegraphic transaction. Neither they are able to return the money. I made the TT from Hong Kong to Indonesia on 2nd July, the intermediary (HSBC France) came with questions on 10th. They took so long to send cable to HK? How intelligent. All their question were replied with evidences, evidences verifiable online, and also in search engines. Despite this, they are not able to release the funds, and neither return the funds back.. Not amused with this service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 244b1c2084f147d6bb2c32de4d91a493
encoding: FLOAT32
metadata:
{"chroma:document": "I needed to refinance my condo unit. I approached HSBC mortgage department by phone. They advised me to send them certain documents related to income, income tax returns, notice of assessment from Tax department (CRA), job letter, T4, T5 and old age and pension related documents. I sent all the documents. After a week we were (myself and my wife) called given an appointment after another week for phone conversation.The Customer Service Representative (CSR) was very unprofessional. The questions he was asking me indicated that he had not read any thing from my documents. To answer his questions I would tell him to look for that in the document I provided. Every time his answer was that he did not have time to read my documents. I spent about 90 minutes with him. I reminded him several times that he should have studied my documents before calling me. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac322b0ecf8246528b7be5c05a2ca19d
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a premier checking account lured by their generous opening bonus offer. Only a few days later, I deposited two checks, one from my neighbor and the other from my flexible spending account. They freezed my whole account out of a sudden and I had to call the customer service. They were not helpful either. Instead of unfreezing my account, they kept saying that they have to review the deposit and it may take up to 5 business days. For the meantime, I would need to just wait."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 52c868cd38404235a231507be696f323
encoding: FLOAT32
metadata:
{"chroma:document": "I recently switched banks because HSBC has one of the lowest yields among other banks. In order to do that, I had to roll out all my funds before I closed down my accounts. In the process, I'm more assured everyday that I made the right choice leaving this bank. At first, it was an ordeal to roll over the funds from my IRA account to my 401(K) plan under my current employer. I called and was told that their computers didn't allow them to enter certain format in the address field on my application. So I had to go to the branch near me and the \"Senior Director\" of customer relations had no idea what she was doing. She had to call her colleague in front of me to ask her what to do, which is, simply taking my filled out application in written form and processing it...."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 12e30ae5ce714bc2abacfb9a08b34391
encoding: FLOAT32
metadata:
{"chroma:document": "I opened HSBC Advance Checking account in November 2018 through HSBC promotion published on their website (they are still running it as of today) - $350 welcome bonus when you deposit $10,000 within a month and keep it for 90 days. I've posted $10,000 per the promo rules, followed up many times with HSBC customer service on the promotion conditions. They advised me welcome bonus would be posted in May 2019. But in May, new story emerged - no bonus! They claimed I did not open the account through their promotional web page, which is absolutely not true! I've spent hours on the phone with Customer service, several times different managers promised me to resolve the situation and offered to call me back in 2-3 days - no calls, everyone of them disappeared! HSBC is unprofessional, full of lies, scummy practices. Stay away, don't buy their lies."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 36b712394722445cb98805f9f1f07900
encoding: FLOAT32
metadata:
{"chroma:document": "Decided to take their seemingly generous offer of cash ($850) to open an account, so I did. Was told that my money would also earn over 2% interest while sitting there. Opening the account was overly cumbersome but I muddled through it. I deal with many banks and have a lot of experience with banks, the HSBC process was not normal. After finally jumping through the many hoops I find that the account basically earns no interest. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3bad1dd6ed244d29919e93720ee44d97
encoding: FLOAT32
metadata:
{"chroma:document": "It's been over 8 years I'm an HSBC customer in 4 countries around the world, their service is always been pretty much good, but lately I was dealing with my International Relationship Manager from HSBC France and it's been a terrible experience. First of all, completely unexpected he has sent me an email notifying that my account in France has been blocked because showing inactive status (I live abroad since 8 years) and I  had to provide a lot of documents (also tax declaration) to reactivate it. Starting from the principle that I receive yearly notification from HSBC with such a request and I always fulfill it, this time I found this way very brutal and no respectful. Is it necessary to block my account? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d70c9ba52fb4c1cbe0fb9588a24b024
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a fan of HSBC\u2019s excellent customer service and appreciate the ease of doing business with you all. However, I recently found out that HSBC reported a late payment on my credit reports. This late payment (August 2018) was the result of the technical glitch of the EZ Pay System. I hope you can help me remove this late payment mark on my credit reports. Here\u2019s what happened: When I volunteered in Egypt last summer (May-Sept 2018), I applied for a HSBC credit card because of its presence in Egypt and beyond. Before I volunteered in Egypt, I called HSBC to place a travel alert and inquire about steps I need to take to set up automatic payments. I was worried because I might not have access to internet. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce3f4a84da1e454d8477bd2a91d8e4b5
encoding: FLOAT32
metadata:
{"chroma:document": "This is by far the worst bank I have ever used. They are running a scam. They do not honor their signup bonus. Repeatedly find different tricks to put more money in your account but makes it incredibly difficult for you to access. None of their customer service reps are qualified. They tell you something different each and every time you try and get on the phone with them. It takes a while to even get a human on the phone. They often put you on hold then just hang up. The reps will reassure you your complaints are being noted and filed. However, when you contact them back because an issue was never resolved they never seem to have any issues on the subject. Ive tried filing 2 formal complaints only to find out after spending hours on the phone they never processed it or have any records.... They treat their customer like with minimal respect. They basically refuse to provide any support. You may find more success in talking to a wall."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1c350cefa3164638a8bc2d65daddb231
encoding: FLOAT32
metadata:
{"chroma:document": "Very poor customer service on their credit card dispute department. I've had a dispute going for 4 months and they still have not credited me back even though I supplied tracking numbers for the product being returned. When I called them I had to hold over 30 minutes and then had to hang up. Called again and as of now I have been on hold for 63 minutes. To top if off I get the same message every 10 seconds saying \"we are sorry, all our reps are busy assisting other clients. Please hold the line as we value your call.\" Did you ever think you should hire more people to answer the phones? Is my time so unvaluable that I have to sit on hold for an hour? The dispute amount is not even worth my time, I will never use my HSBC credit card again!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f009531511134b7ca6b2476207b9a310
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account because the in store Rep told me there were no international ATM fees. It turns out there are. Their mobile app is amateurish at best. I received a call from HSBC indicating I had opened a Lexus Credit Card, which I did not. I went to the HSBC website to find out who I needed to contact for suspected fraud. The website says to call the number on the back of my card. I did that and followed the appropriate prompts. The Security Rep over the phone immediately told me I needed to hang up and call another number. I asked to speak to a Supervisor and was hung up on. The single worst bank I have ever dealt with. Never again! Buyer beware!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: caad75632fc04a9f933b3553e13a7302
encoding: FLOAT32
metadata:
{"chroma:document": "Saw my local branch was offering a $750 cash bonus for opening an account with $75,000 balance. So saw relationship manager that told me I needed to go online to get an account number and once received he would open an account for me. I received approval and account number. Went into branch and was told I needed to open both a checking and savings account and didn't need to fund the checking account and could put the $75,000 into savings. 4 weeks later the bank closed my checking account because it had no transactions. I didn't get my bonus because to qualify you need both a savings and checking account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 900cfb191ce8440a8d5b63ed9ad39ad7
encoding: FLOAT32
metadata:
{"chroma:document": "When I received HSBC promotion via mail, I deposited $10000 at HSBC branch office on September 24, 2018. After six months, which was March 24, 2019, I went to the branch office and wanted to get out my deposit money together with the promised $400 bonus. However, I was told there was NO BONUS for me in their system. I went to the office on April 11, April 15, Joyce told me that I should get the $400 promotion and it was processed by Jasmine, the person who processed my deposit on September 24, 2018, but someone \"back in the office\" didn't process it. She promised that they should get back to me within two weeks. She promised to let Jasmine get back to me on April 16 when J was in."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6925e359f5df4d0c8d8e86a5e15ff6ec
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a savings and checking account with HSBC because of the bonus that they paid. I went into the branch in Ft. Lauderdale, Fl. and spoke to Mayra ** at that branch. We talked about opening several accounts. She was very pleasant, and we figured we had a winner with the brand and the manager. We were wrong. I have had my account now for over a month and still don't have access to my funds. I can't get into my account. Every time I call her she is too busy to answer the phone. I leave a message but she does not call you back. If I get in touch with her and she says she will send you some info she does not."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 68f68c9574c14daf9bf799c3e3ebae78
encoding: FLOAT32
metadata:
{"chroma:document": "I initiated a balance transfer on-line from HSBC to Capital One on Feb. 24th, 2019 for $3,500.00. Two weeks passed and the monies were not in my checking account. I called HSBC to cancel the transaction. Although I called, a check was sent to Capital One. According to Capital One they never received such check. I am being billed for $3,500.00 which I never received. I have made numerous phone calls to HSBC, in addition to providing evidence from Capital One that indicates that the monies were not deposited into my account, but the issue has not been resolved. I went in person to the HSBC Bank and the teller suggested that they put a stop payment on the check or try to track down the of the check. I am being billed for a balance transfer that never went through and being held responsible for locating the check."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b3130135d5554b9fa99692fbaaad9665
encoding: FLOAT32
metadata:
{"chroma:document": "I tried to open both a savings account and checking account to qualify for a $750 bonus on April 12, 2019. They opened the savings account and took the money from my funding bank in just a few days. Getting the checking account was another matter. It is now 4 weeks later, they have had my money for a month, and I have not qualified for the bonus. I have received yet another request for more information. This is about the 5th one. They have gone through the 'online account opening dept', the 'fraud department' and any other department to not open my account. I believe this is just a scam offer of $750 to get your money and never pay the bonus. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02dc10cb1337485aa7bfea39ad91f873
encoding: FLOAT32
metadata:
{"chroma:document": "I made it a wire transfer for over $200,000 as part of my divorce settlement from the Vienna VA branch of HSBC to United Bank in Fairfax VA. After confirming all the wire details the wire was made and then I called my ex to see if she had received the funds on her and she said she had not. Talk to the branch manager and he said that sometimes it takes up to three hours which I found strange. Because I was a Premier Bank in member and my balance was now Only had a few hundred dollars left in the bank it manager told me I would need might want to close my account because I would incur a $50 monthly fee, so I closed my account. I called back the bank later that afternoon and the wire still had not been made so I called HSBC headquarters."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 53376946f80e4ddbabdcfc0fffb0ffae
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a checking account online at HSBC USA. To finalize the account opening 2 trial deposits were to be completed. Due to some technical error these failed. In 3 emails I was prompted to submit a check to HSBC USA. And in an online chat it was confirmed that I may send a check for deposit. So I purchased a cashier's check and was just about to send it off, when I received another email from HSBC informing me that further information is needed to open the account. I was told that the emails prompting to send a check were send in error and the employee should not have given me the information. What an incompetent, deceitful lot!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad6618c2d82248baa02eb55da405e424
encoding: FLOAT32
metadata:
{"chroma:document": "I opened the account to transfer a balance from another card. You can't sign up for an online profile until you receive THREE SEPARATE VERIFICATION CODES, all which come in different forms (e-mail/text/mail) ALONG WITH receiving your card. I only received 1 of these 4 things in a 2-week timespan. I called every other day asking where my card was, told it'd take 5-6 days, then again 7-10 days (every person had a different answer). I finally got them to make me an online account so I can start the balance transfer. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2991628d273249b789f6afb52ffab0ac
encoding: FLOAT32
metadata:
{"chroma:document": "I'll spare you the whole story but I have been trying to update my account details on a Serious Saver account with HSBC and the process has taken about 3 weeks now with hours of time on the phone. I was handed around from person to person. They promised callbacks that never eventuated. I have probably spoken to 7 or more different representatives from their phone customer service now to try and sort my issue. They tell me \"another department\" has to sort the issue but this \"other department\" can't be contacted via phone, only email. That is a travesty in my opinion (and sub-par) and has caused me to waste my own time trying to sort this whole issue out. Staff are great, don't get me wrong but there's a underlying sickness in the organisation that needs to be fixed in their process and communication channels otherwise they will continue to have disempowered customer service staff."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8aa9eb15597c45e3b5c23657e1ca3a87
encoding: FLOAT32
metadata:
{"chroma:document": "On a recent trip to Mexico City, I used my credit card at an ATM inside an HSBC bank to acquire pesos. The ATM issued one 500 peso bank note and two 200 peso bank notes that were counterfeit. The bank refused to provide good notes and refused to return the counterfeit bank notes. The question is whether those counterfeit bank notes were put back into the same ATM to scam another customer?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 89c1b1a659784fb2b8bf7d915c565318
encoding: FLOAT32
metadata:
{"chroma:document": "I applied on 4/5/2019, took their initial offer due to 0% for 18mos, then I after I applied I opted out of promotional offers that did soft credit pulls on me. So then I get a email stating they mailed out my card so when I didn\u2019t receive it just yet I called them on a Saturday early morning being told that I then needed to contact their security department after being on hold for over an hour. The representative was of NO HELP! She then transferred me to the security department which was then closed only open m-f 8am to like 11 ET. So then come today (Monday) was on the phone \u260e\ufe0f with them for a very long hold time. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c04878d0c5a479780739c3bac06f75d
encoding: FLOAT32
metadata:
{"chroma:document": "I used a special HSBC online link that was required to get a $350 bonus on a $10,000 checking deposit, which would be credited about 5 months after making the deposit. Everything went as-expected to do the online setup, up thru the point I had entered the funding bank account info, then it went awry. The next screen asked a yes or no question, but missing from the page was the Continue button. I clicked the Chat button, but the person was unable to help advance my application. In the meantime, the application timed-out. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b7b49a2a25864571b322cb8dc002d164
encoding: FLOAT32
metadata:
{"chroma:document": "This is for your own sanity: Do not open a bank account at HSBC Mexico. I opened it at Cabo San Lucas; however the most unfriendly people are working at San Jose del Cabo Mexico. Completely rude, lazy and difficult. Not only does HSBC make it complicated to open a bank account and get FULL ACCESS to online banking BUT they add more complexity like a \"token\" and \"secure key\" for 'more security.' Don't get me wrong. I'm for security but this is nonsense. YES, I am aware that they were sued for their unethical criminal participation in 'money laundering' but again these employees they've hired are incompetent and do not want to work and help out."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8e6393cb1b964f9d9e29deb345b00697
encoding: FLOAT32
metadata:
{"chroma:document": "I have had bad experience after bad experience with HSBC. Long wait times, unhelpful staff, and minimal information from the company. Most recently, I spent 50 minutes jumping through hoops on a phone call in order to upgrade my advanced account to a premier account. After going through all manner of documentation and verification they then very hastily said: \"Well, there is an internal check that says we will not be able to upgrade you today...\" and then proceeded to ask if they could describe all of their other account types available. No explanation, no information about what I would need to be able to do in order to open account. Just a blunt statement - \"Sorry, it is an internal check and we are not allowed to go into detail...\" What a sham. This is not the first time I have spent an hour with this company to be turned away entirely without being served and with no information. Thanks HSBC."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 823eba203ede4e2ebfd3242910b293ea
encoding: FLOAT32
metadata:
{"chroma:document": "HSBC is a sneaky and unconscionable, Would have given zero points if I could because this is a shady bank that will NOT reflect a recent payment of $2084.57 made to the credit card total balance even though the payment has been cleared on the external checking account used! According to their useless rep it will take 10 days just for the payment to reflect on my credit card balance! This is not common with other American banks, I will never deal with them again and NEITHER should you!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bfb32c04c89b4ece97091a1b74b55e1e
encoding: FLOAT32
metadata:
{"chroma:document": "Every transaction or operation with this bank requires you to jump through unnecessary hoops and experience frustrating delays. My account was in hibernation due to inactivity, so I go to the branch to unlock it. Even though I was there in person at my branch, they could not unlock my account, and needed to submit a request for head office to do it... Which would take two to three weeks!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 325f3d131dd44c35b996bd51c3cf15a1
encoding: FLOAT32
metadata:
{"chroma:document": "I signed up for this the HSBC cash rewards credit card originally because I was traveling abroad and it didn't have foreign transaction fees. I also understood that it had 0% interest for 12 months but later found out that this was ONLY on balance transfers. I had racked up $200 worth in points but without notice they closed my account without my permission because my automatic payment was not made due to a typo! I was able to book an airline ticket with those points only to find out they had shut down my account. I had tried calling them but they didn't call me back in time before ending things. They were unable to reopen my account and it really took a blow to my credit score. Their customer service was an absolute joke! I will never ever use HSBC again! Horrific and most stressful experience imaginable! I am a good customer with an excellent credit score. Sorry to see that they lost a good customer for life. They need to get their ** together!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f48debb1c2b749c58dfeaa5a71a1810a
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying for 6 years to close an account opened in France prior to moving to the US. I never have the proper document, they are charging us fees for credit card we never received for this account that we absolutely never used. Those people are con artists, do not use them. We had enough and we're about to sue."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ac6d8696bd847b4a7bb0087df5dfb86
encoding: FLOAT32
metadata:
{"chroma:document": "I've been a victim of a huge fraud syndicate who uses HSBC as their bank. This means that HSBC harbor criminals/fraudsters as surely before a person opens up a bank account, the bank HSBC, must do a background check on so called person! I've paid $3200 into HSBC Walnut branch account in February from South Africa whereas only after funds left, I realized I got scammed. Since then, my bank and I tried numerous times to contact HSBC as to reverse my funds. Today is 15 March 19, and we are yet to receive any feedback from HSBC US. This means that HSBC as well as these criminals are working together to steal peoples funds. There's no e-mail contact anywhere. How do they expect a person from SA to contact them? I send e mail to the UK, and all they could say was that they don't work with fraud and can't help. HSBC YOU ARE USELESS AND YOU HELP STOLE MY FUNDS AS YOU HARBOR CRIMINALS."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1f5342099b9d45699ea6b48b37730d01
encoding: FLOAT32
metadata:
{"chroma:document": "DO NOT BUY INTO THIS BANK!!!! IT IS A SCAM!!!! I received a mailer with the bonus $375 offer. In order to get the offer, please read the fine print and do everything!!! 1. Take the mailer in person to the branch. Open the Checking Advance account with $10,000. You will go through a very long \"verification\" process. 2. Keep the funds in the checking account for 90 days or, if you really want to maximize this, open the online savings at home for the online rate of 2.22%. 3. In a total of 5 months, you will receive the bank bonus of $375."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4de584f8491b447a84486c8002b0542b
encoding: FLOAT32
metadata:
{"chroma:document": "In Sept. of 2018, I took an advantage of an offer from HSBC in which I would be entitled to a $350 bonus offer if I deposited and maintained a balance of $10,000 for 90 days. I followed the rules immediately and completely. As of today 3/12/18, I closed my account with a balance of $10,000 and 45 CENTS. I spoke to reps on the phones numerous times in the last week battling to get my bonus offer. Their reasoning was that I did not open the account properly online, so they disapproved the offer. My money basically sat in their bank for 6 months to collect 45 CENTS in interest. WOW!! I was robbed of the $350 bonus offer!!! WARNING!!! DO NOT DO BUSINESS with HSBC BANK!!! They will not follow through with their offers!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db223900afc94e94a98bb7e6fe9fdcb1
encoding: FLOAT32
metadata:
{"chroma:document": "I already have a checking account with them so I thought it would be easy to open a direct savings account also. Wasted so much time. Every helper said different things. After trying 10 times someone at the bank suggested I use a driving license from 5 years ago in NY. At that point I gave up. I am a USA citizen and live in AZ and have my own business and make 500K a year. This is not a bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1f4a43b742042ed93887aec79b00c33
encoding: FLOAT32
metadata:
{"chroma:document": "I am an expat. I live in Australia and have HSBC accounts in both countries. HSBC UK have frozen my accounts (which still have funds in them). After spending hours on the phone to them several evenings in the last week they will still not unfreeze them. Their red tape is wrapped up in red tape. The advisors are not knowledgeable enough to suggest anything that may help resolve the simple issues. The solutions suggested fall upon deaf ears and a lack of interest to help elsewhere. Truly awful customer experience and desire to help people displayed by this institution."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62a02ceec0e1457185b48c6a55734475
encoding: FLOAT32
metadata:
{"chroma:document": "These morons place a fraud alert on my card on a Friday. Immediately I called customer service and the first moron tells me I have to call Monday to Friday as their fraud dept is closed now and also on on Sat/Sun. I tried chat with moron #2 in India - same scripted call. I called them on Monday at 5.10 pm and the third moron tells me to call between 9 am and 5 pm. I called 8.20 am Tuesday morning and waste time with 3 more morons - just to close my account. Finally after 45 minutes they say OK ACCOUNT IS CLOSED. You may think PHEW! PROBLEM SOLVED! WAIT NOT SO FAST. 5 days later they send me a new credit card - which I will not activate. My question is - who is the idiot running this bank? How is it possible so many idiots in one place?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a5974afd95343be8c68d7d004bad974
encoding: FLOAT32
metadata:
{"chroma:document": "Are you kidding me??? They have my private information??? Where DID they get it??? Not from me??? Phoning me day and night with salespeople speaking Chinese?? I am in Canada in my private home and I have intruders calling me that are calling themselves \"a bank\"??? This is not a reputable bank. They have stolen my information from me through scammers. Invaded my privacy!!! If I want your credit card I can apply and after this giant violation of trust...not a chance!!! Not now... Not later... Not ever!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d26f25d97cd494b8cd29213f7ad16fe
encoding: FLOAT32
metadata:
{"chroma:document": "In short; My card was no longer working after having it only about a month and a half. I contacted HSBC via their Live Chat. I was told at least twice that the card and account were fine and the account was in good standing. I figured the issue must be that I hadn't setup the online access yet so I informed the agent on Live Chat that I would do that right away and I did. To my surprise no account info showed up after I went through the long and repetitive setup process. Nothing about my credit card was there. Literally two days later my statement shows up in the mail and states that my card was closed and past due by over thirty days. I was shocked. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d33d6abd390c4ea4a21b58ca82fc31ec
encoding: FLOAT32
metadata:
{"chroma:document": "It sums it up to the bank is a scam. Steals your money if you don\u2019t pay attention to your account. I deposit my check into my account on Friday 15th 2019. Back on December someone used my card to get a hotel. I contacted the bank to notify them about the change on my account. They close the card and send me another one in like 5-6 days. They gave me a credit for the 155.68. Now on February 15th they took back from my account. To top it off I never got my check money I deposited in my account. I\u2019m so frustrated with this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db1b54d61e964a3c9c4c8e046c44ef18
encoding: FLOAT32
metadata:
{"chroma:document": "A female named Pinky from Bangalore it seems. I can't believe such stupid dumb females are working with HSBC call center UK. There's a confusion about my card number and suddenly she is saying about herself like am Pinky and from Bangalore. Why the ** should I know about her birthplace? She should be solving my problem. I hope she comes out of her mental illness soon. Illiterate **."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: be10a8f6dab1406087012641c03933e4
encoding: FLOAT32
metadata:
{"chroma:document": "Only way to contact them is phone or online customer service, or visit branch. Customer service is a joke. Okay to use call center in India but damn, someone should train them first. If their only solution is to visit branch and nearest branch is 10 hours away you have a problem. Tried dealing with them for two days, part of my life I will never get back, along with the $50 paid to my bank to stop their stupidity..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 75de4f4dc1084126a46cf19497fb9e81
encoding: FLOAT32
metadata:
{"chroma:document": "Opened an account online and I was planning to deposit $20,000 in a savings account. I am a current customer with an active credit card. After 3 days of email verification, completing ACH transaction verification, it took them 4 days to send me an email asking me to call them. On the phone they asked me to send copy of my ID and proof of address. I have been at that address for 25 years and the same address is on an existing account with them. I understand protocols to combat ID theft, but this was absurd policy for an existing customer with the exact same info. They gave me a credit card without any verification and now they ask for verification when I am putting money in that bank. Also they don't accept Driver's License as the proof of address. I have opened account online which was completed in minutes. All I can say is \"Stupid\" management. I apologize for the language but it is the fact."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e249b33992e74cc59af4312c775461f6
encoding: FLOAT32
metadata:
{"chroma:document": "OMG! I thought I was the only one having so many issues with this bank, they are just no good for any business. I saw a lot of branches in Hongkong and found out that they are everywhere in China, I import from China and Korea to the United States and even though there are no branches near my house or businesses I decided to open one business account in Tyson's corner Virginia, I filled out forms and been told that it takes some days to open it, I said I open a lot of business accounts in the past and it took only 30 to 50 minutes to do it, but I agreed. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 22064b67446b4cab89bfbb730137f4dc
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a business savings account based on interest rates. I was personally visited by a HSBC representative to complete a multi page application which took 2 days complete. This was odd and should have been a clear indication there will likely be a problem. I was unable to gain access online until I received a pod that I needed to receive an access code. Without having the pod, I was unable to gain access to my account. Deposits could only be made by check or wire; not by funds transfer. I am still awaiting my 1099 which apparently takes several weeks to generate and must be mailed. This bank seems unaware of US law. After 2 months of the agony, I closed the account which must be done at one of their branches and took over 1 hour to complete. I presume similar experience for personal accounts since there was someone at the bank at the same time I was present closing her account. DO NOT use this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 677dde0322cd42cfa4e413af940ab4c9
encoding: FLOAT32
metadata:
{"chroma:document": "I have been locked out of my HSBC Checking account for almost as long as I have it (a little over 3 months). Cannot access it either online or at ATM. And cannot get help anywhere. I called at least 10 times to HSBC customer service. They say that they need to transfer me to HSBC fraud dept and every time after endless wait on the line I just hang up with nothing. I went to the Branch several times and they told me they cannot do anything without me talking to fraud dept. Gave me another number to call. The same result - no answer due to \"unusually high call volume\"... This is crazy! Who can help me with this nightmare? Btw, I found lots of reviews online with similar issues and complains about HSBC..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ee7a11b9a3841809a2f6f091ac1557f
encoding: FLOAT32
metadata:
{"chroma:document": "I have had an HSBC account for almost 3 months. I was locked out and had money I needed to use and was unable to use that money. Since I couldn't get a hold of anyone at HSBC during my lockout, I called Wells Fargo (where the funds came from) and told them HSBC is a fraud and to cancel that transaction. This was at a time I needed that money immediately with an investment deal. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 96c69a942a76402fbc1cedce6b5c9a05
encoding: FLOAT32
metadata:
{"chroma:document": "In October 2018, we received an offer to open an account with a balance of $10,000 and maintain the same amount for 90 days then you'll get a $400 cash bonus. After 90 days, I called and was told that the $400 will take about 8 weeks after the 90 days for me to get it. After reading many posts about the same problems, I'm thinking of taking my money and run instead of wait another 8 weeks. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: afa25f2f92714ff1b004d6376c4bc1d6
encoding: FLOAT32
metadata:
{"chroma:document": "Bank associate at Chinatown HSBC bank refused to open an account for because I look too fat in my DMV photo so I asked for the branch supervisor who asked me \u201cwhy did you come here - you should go to the bank where you live\u201d."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 25b9a284108f4105876bf946ca3a2955
encoding: FLOAT32
metadata:
{"chroma:document": "Terrible bank. Avoid at all costs. They sent me an email flyer offering a $200 account bonus after depositing and maintaining a $1,500 balance. I met every term and condition, and they have continued to drag their feet without honoring the agreement for six months. I'll have to file a dispute with the CFPB and BBB likely, but the customer service and leadership at HSBC are the worst in all of banking. Do yourself a favor and run the other way."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6eb8d83c1044658a1140e16d1fb3280
encoding: FLOAT32
metadata:
{"chroma:document": "First, I was declined because they couldn't verify my identity. Then, they did and it took 3,000 thousand screens and 10,000 separate validations. I'm putting in 10K to get the 350 bonus and I am GONE. I thought of using them as my travel bank, but they really truly suck. God only knows if I can get back my 10K, much less the bonus, in 90 days."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 911b49f9ed324ee0bd8d56a54a14c21f
encoding: FLOAT32
metadata:
{"chroma:document": "I accidentally applied for the HSBC Gold MasterCard instead of the HSBC Cash Rewards MasterCard and it took me forever to get a hold of them to cancel my Gold MasterCard account, and when I finally did, I was told the card would be taken off my account in a few days. It's been over a month and the dormant card is still sitting there. I didn't even get an email confirming they closed my account or anything. I only got the card because of the no foreign transaction fee. Their interface is SUPER un-user-friendly. It took me a good five minutes to figure out how to check my credit card account in the app and a good minute to figure out how to pay my bills online. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 61117c42b7684c37bf14ae83e5aec25b
encoding: FLOAT32
metadata:
{"chroma:document": "Worst customer service. Only they collect your personal information. Never make deal with them. It's nonsense. The bank checks your personal information even more than 2 mounts and try avoid to open your account, especially on-line."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae7060ebab624ce888c32c3da01c3f97
encoding: FLOAT32
metadata:
{"chroma:document": "I opened my online HSBC bank account in mid-October. They approved my account and withdrew initial deposit from my another bank account to deposit in my HSBC account. After two days of opening the account, they blocked my account and I cannot withdraw or deposit in and out of the account now. First they told me to go to branch to verify myself, which I did, still blockage not lifted. Then they told me I will receive a check of my initial deposit at my home address but it's almost 3 months now and no check. My account is still open, blockage is still there and I cannot do anything to get my initial deposit back. IT IS JUST A BIG NIGHTMARE. They can not even tell me the reason they will not correct the situation. I have several other bank accounts with other prominent bank, but I have no problem like this. Just do not know what are my options now."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b0e5e4e23f454de2aa441d0f606cb665
encoding: FLOAT32
metadata:
{"chroma:document": "I had the EXACT same situation like \"Pam of Denver, CO\" who reviewed them on Jan. 4, 2019. I got a new HSBC card recently. Activated it online and by phone, then tried to use it and I couldn't. I called \"customer service\" 12 times and spent on the phone about 3 hours. Results? NONE!!! I cannot name it customer service, because there is NONE. People who work for HSBC are in India, some of them were really rude. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 67b832bfde214ab893800c48a7acf613
encoding: FLOAT32
metadata:
{"chroma:document": "I tried to buy an iPhone using my credit card and the transaction was decline. I call the customer service and they told me that my credit card was flag due to the high price item and my card is new. She told me I have to talk to security and fraud department. She transfer me to security and fraud department but this department deal only with stolen card. She transfer me to specialist security department which I been put on hold for a long while. I tried to wait one hours a day before I hang up and tried another day. I unable to call at night because they work until 5 pm Eastern time. It's been 3 days now. Hopefully I be lucky next time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 422dd12cc7134d1882d8f5bdf8780b34
encoding: FLOAT32
metadata:
{"chroma:document": "I just got a new HSBC card. Activated it, then tried to use it and I couldn't. I called customer service and was put on hold for 2 hours!!! When I finally got someone I was told that a security hold was put on the card!! I was told the reason was there was fraud on my card??? I tried to go online and was told they couldn't help me! I called customer service again and was put on hold for another hour!!! I told the customer service rep that I wanted to close my account because your company said there was fraud on my card and I haven't even used the card. They told me sorry they can't help me. I would need to contact security and they have gone home. I have NEVER encountered a credit card company like this!!! They are AWFUL!!! I am closing my account and never using one of their cards!! I should have read all the really bad reviews online before applying for this card. No matter how good the offer is DON'T FALL FOR IT!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4cb30c9723df4afb8d0c44910dcdc244
encoding: FLOAT32
metadata:
{"chroma:document": "I was attracted with all the bonus, this is one of the worst bank and 0-100 customers service rep. I bought a Money Order and deposit to my account, it was held for fraud, this has been on for weeks now. Don't bank with HSBC. Forget the bonus and run."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ea839dfb6854e6b998ea4300c26aa45
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an advanced checking account with HSBC because of a $350 promotional offer. No amount of bonus has been worth the aggravation I've had with HSBC. I frequently shop for offers and open and close accounts regularly, without any problems. HSBC has been terrible. Just opening the account and then funding the account was not user friendly and took appx. one week. After my promotion ended I waited the 6-8 weeks for the bonus to post, which it never did. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f8134f948bbf48119efd1d2c3c7798ab
encoding: FLOAT32
metadata:
{"chroma:document": "I make monthly deposits for my sister at the HSBC Del Amo branch and daily deposits with other banks relating to work. This is the ONLY bank I go to that give me such awful service almost everytime. The tellers are lazy, work in a slow-motion manner, not friendly and compared to other tellers at other banks seem like they don't even know what they are doing. You never see the same teller either, which is a good thing I guess. Maybe HSBC should invest in some enthusiastic employees who actually like coming to work and dealing with people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5b0210ad5607467499004385b5b930a4
encoding: FLOAT32
metadata:
{"chroma:document": "For 2 months have had \"block restriction on account\". I live in Philippines; account is in Canada and it has $250,000; no access to funds. Numerous emails futile. Issue called \"sensitive\" by bank (I hear violins playing). Asked my lawyer to look into it. Logic dictates this is an internal bank problem. I believe HSBC is afraid of further collapse if funds are moved out. Enquiry into reason for restriction always gets a runaround, no answer. HSBC must be in financial crisis. I consider HSBC to be a virtual criminal organization now. They were OK for years. Jewish gods please forgive me, but I feel like a Jew in WW2 ** Germany. Ominous situation. No interest in whether my wife and I may be needing some of the money that HSBC is no doubt using to try and \"save themselves\"; this probable effort has to only add bad karma to the huge load of bad karma HSBC clearly has."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d68e50f19dfd4ff7ac98582aa4eac0d1
encoding: FLOAT32
metadata:
{"chroma:document": "When I was in last year IESL Conference, there were an HSBC hut, saying annum free platinum credit card for Engineers. I took the services and obtained a Credit card. They said that we can obtain 0% interest free loan from them for the first month after querying the card. Since I wanted to do some private investment, I asked the number of dates taken to proceed the loan facility. They told me that within 4 working days it will be arranged. And a check will be prepared and sent to me by post. I did not receive any call from HSBC after that on my loan and the check is not received. Then I called them and ask the reason. They told me that it is not prepared yet."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eeff4bf5a7b64d879f71859bfbe4a4b5
encoding: FLOAT32
metadata:
{"chroma:document": "My account got Scammed by international fraud group. I called HSBC fraud department, waited 2 hours the phone finally connected, they didn't even give me the Case # or taking seriously, I told them I have police report and FTC report, she said, \"We can recall the money but not Guarantee, it will take 3 weeks.\" I called again waited another 2 hours after a week, try to find what is the status of the recall, a lady answered phone, she said, \"You have to contact other side of bank to find out where is your money.\" I said, \"This was the fraud case, it was scammed, how can I can contact other side of bank? My money was out from my account in your bank.\" "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f63579a255e45bd80a91c5f395fed51
encoding: FLOAT32
metadata:
{"chroma:document": "I just opened checking account and credit card with this Bank. For no reason, they blocked my credit card so to contact them, I was literally on hold 3 hrs on the phone listening to a boring music, their outsourced customer service from India doesn't know anything so they keep transferring me around. I tried their online chat but they are not help either, they provided the phone number that doesn't get you a live person. So I don't know how to get in touch with this bank customer service? My credit card still blocked. I was wondering, what will happen if someone loses their card and wanted to freeze it?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8904f920dec74e51be918bf45a71ab3f
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a checking account online in November 2018, and transferred $1,500 on 11/19. In December HSBC blocked my account without a notice and for no reason. Online chat agents advised using a different browser when I complained about impossibility to do online banking. Only one mentioned that my account is blocked and I have to call Security Team without providing the details and time frame. I called them last two weeks every day, and a line is always busy. I don\u2019t an access to my money, the online agents are not helpful, all my emails and letters are ignored. Would not recommend anyone to deal with HSBC!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3375efa9a50840f0b082f8bee078a5c8
encoding: FLOAT32
metadata:
{"chroma:document": "I transferred $22,000.00 US Dollars from my PNB account in the Philippines to my US Dollar account at HSBC Langley BC Branch. I received only $20,989.00 US Dollars into the account. HSBC kept $1,000.00+ of the funds transferred in addition to their $15.00 Fee. They have continued to tell me that the 'Intermediate Bank' determines what currency they transfer your funds in and that the 'Intermediate Bank' chose to convert my $22,000 US Dollars into Canadian Dollars and that HSBC then converted the Canadian Dollars back to US Dollars and that is the reason for the shortfall of my funds. They have not been willing to assist me in getting back my $1,000+ and they cannot explain why when I did an identical transfer of $25,000 US from both the same accounts that I received the full amount yet this year they have shorted me the $1,000 +. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fdc06223068640c5b896d5c223aece64
encoding: FLOAT32
metadata:
{"chroma:document": "HSBC sets a New Standard for World Class Service - the LOWEST POSSIBLE STANDARD! I wanted to open an HSBC Advance Checking account and associated HSBC Direct Savings account. HSBC offered a promotion of $350 bonus for opening the account and funding with $10K+ CHECKING HASSLE: Opening the checking online was a hassle to begin with as the application timed out and I had to restart - this due to the time it took to review the various policies and disclaimers. Completed the application finally and they got back to me by email accepting (allowing me to open an account) with a couple of codes. It turned out that since I don't use a smartphone, they had to send me two letters, each with a code, to open my online access to the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4020d544e3ba48468aa70b161fe33d62
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account. I was \"automatically\" declined twice because they could not verify my identity? No further guidance? I think it was because I needed to unlock my credit report. Third time worked. Once the account was opened, I linked to an external account to ACH transfer in funds. They said the link was established. Then the transfer (initiated by HSBC) was declined by HSBC when it arrived. Further, my login credentials are now declined. I called and they asked me to fax(!) them a statement from the external bank showing how it was titled and the account number. I did that. It is now days later, and hours of being on hold, or on 'chat' where all they can do is give me a central phone number to call. In summary, I have been trying to open and fund an account for 26 days. Hard to contact then and no progress when I do. Not worth it. There are plenty of (nearly all) better places to bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0950b92727e4469d9492004e31df02db
encoding: FLOAT32
metadata:
{"chroma:document": "I wanted to send $ to someone in the Philippines who had an HSBC acct. I went to a branch here to ask how to do it - they gave me all the info they said I needed. I went to send the $ and THEN they told me I needed to have an acct. with them. I went to another branch to open an acct. Was told they had an acct if I kept $5000 in I could get a $300 new acct bonus. I was the ONLY customer in that branch at that time - but no one could open an acct for me. I had to phone to set up an appt. I tried to phone 3 times - could never speak to anyone. Today I went back to try to open it - yes, someone might be available - but that new acct promotion ended last Fri. I did NOT open an acct, and I will not. No wonder this bank has the terrible rating it does."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1a58b039858c4736b71450b5889ab8ce
encoding: FLOAT32
metadata:
{"chroma:document": "It is near impossible to figure out how to lodge a consumer complaint for this, so here I am. This is against HSBC Bank, the \"Learn1 Program\" and PHEAA/AES. I have a student loan from over 10 years ago that was originally owned by a predatory lender (Loan to Learn) that has since been shut down and taken over by American Education Services and PHEAA."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1927f7335da847f8b69196dcbaba953e
encoding: FLOAT32
metadata:
{"chroma:document": "DO NOT bank with HSBC. I am currently banking with three other banks and HSBC has the worst service ever. Even when you call up the helpline, their people hang up on you when they cannot answer your questions. I am definitely shutting down by HSBC account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab951a229fae41a1a4861b7c5e4908b8
encoding: FLOAT32
metadata:
{"chroma:document": "I switched to HSBC when I relocated to the US as I was told that it was a good bank for people having accounts in different countries. Well, this is not true! In the US, after a few months, my account manager told me that I won't have an account manager anymore but only the online customer service. I never had a bank without any account manager. And in France, I have an account manager that didn't respond to any of my emails, phone calls, and the online customer service cannot do anything about it. I'm closing all my accounts and going to a bank that respects its customers. Don't make the same mistake than me, don't go banking with HSBC, they have great advertising but terrible customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 330750c8ebd94ecb89f54b3ef7e1ff3a
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a bank account 1 month ago for the $350 bonus with $10000. Now I am not able to log in online banking site and mobile apps. I waited hours to get someone to help at the phone. This is a total fraud bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 17da5983ff10425b87ae2798d672af04
encoding: FLOAT32
metadata:
{"chroma:document": "I am wondering for first time why there is no option for Zero stars. Are they really in banking sector. Be aware guys, your money will be stuck here if you open account with this bank. Their website, their APP and their customer care service all of them deserve zero rating. Never ever go for this bank. Please avoid."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce7f5b8aca254509a79a6557faf9d3e9
encoding: FLOAT32
metadata:
{"chroma:document": "Opened an account 2 months ago due to a $350.00 bonus after 90 days with a $10,000.00 deposit. I've been on the phone for 28 minutes with no help and the 'live chat' has gone on for almost 60 minutes with no result. The Bank requires you to download their mobile app. I'm typing this during this intolerable wait. They've asked a lot of questions and sent me a verification on my cell phone. Now they want me to do the forgot password and give the chat dude the special code so I can change my password and so I just clicked on the forgot password and the chat disappeared and 'my session has timed out'... Actually it is ingenious...never have to fix a thing. Problem solved. You REALLY don't want to bank with these twits. To paraphrase another orange haired twit \"Worse Bank Ever\". \"Worst Bank Ever\"."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 44be7ab4de87493b959d4689dbe5dfaa
encoding: FLOAT32
metadata:
{"chroma:document": "There are so many other banks with much greater customer service. Whenever you call HSBC customer service prepare to wait for at least 30 minutes, talk with someone who you can barely understand (with lots of talking in the background), and someone who has no idea how to handle your request effectively. I have had nothing but issues with HSBC, and will never use them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 35398e077c824af39d764ab1ab84617b
encoding: FLOAT32
metadata:
{"chroma:document": "They are awful... please don't waste your time with them. Customer service is awful... no reasonable flexibility. They were supposed to close an account 7 years ago. I decided to give them another chance and invest my money with them. They denied me because of 2 cents they should have refunded to me 7 years ago. Their loss. I will move on to another company. The supervisor said they don't try to keep customers long-term. Really? No worries!!! It's their loss."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 04887b84afa74c529710084a1208a13b
encoding: FLOAT32
metadata:
{"chroma:document": "I signed contract at the bank more than two months ago and just got my debit card today, I had to go to the branch every weekend to ask about ANYTHING, I even faced problems debiting some cash and had to wait till they find my contract not on the system but the actual document, my phone banking is deactivated for some reason they are not saying and I cannot even create a PIN for my debit card. The agent who created my account doesn't answer and the branch manager doesn't know anything just like the agents, I ask about what is wrong. They don't tell and they give false promises."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 72724080b2f848c6bb4bcf8d82814bad
encoding: FLOAT32
metadata:
{"chroma:document": "I opened the Premier Checking account with HSBC online on March 28, 2018. Under \"Terms and Conditions\" indicated if you deposit $10,000 within 30 days and keep it for 90 days, you will received the bonus of $350 within 8 weeks to your account. On July 5, 2018, I have fulfilled the requirement and decide to downgrade (according to Terms and Conditions - the account should be in good standing) to choice to keep $1,500 to void the monthly fee. Before I walk in to the branch to downgrade, I called in and spoke to 9 different people in the customer service department and they told me that I will be still eligible for the bonus. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cd8f72a0f7d3445dbdaba305f29e5c49
encoding: FLOAT32
metadata:
{"chroma:document": "I requested statements for two accounts, there was some glitch in the program which wouldn\u2019t allow me to look back at those statements. I called HSBC and told them that I needed the statements, she tried walking me through how to print them out, but the program wouldn\u2019t let me look back further than 6 months. The Customer Service rep put me on hold for over 10 mins then just hung up on me. I then did it through email and I received an email from HSBC confirming that I wanted the statements, they were going to charge $5 a statement which is a scam, since I couldn\u2019t look it up online. I acknowledged that I was aware of the fees. I waited over a month and didn\u2019t get anything. I tried two more time and got nowhere! I did the online chat today and this Customer Rep said they were going to send it and charge the $5 a statement. GO TO ANOTHER BANK, ANY BANK IS BETTER THAN THIS ONE!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a4144c30e7344792aea15e73bf60f149
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an online personal checking acct with HSBC bank. Account creating and wire transferring the amount was OK, it took about 1 hr to finish everything. I received an email on Monday (3 days later) to call them with not much details except the phone# and IB Reference Number. Note that this is 3rd day, still my wired amount was not deposited into my account. As requested in my email I called them on Monday, Tuesday waited almost 4 Hours in multiple calls. They put me waiting but no response. Neither they responded me nor they deposited my wired money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 35f13196029f4a08b00a018672aae17c
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give no stars I would. I am still awaiting a lien release that should have been filed 11 years ago on a loan that was never closed. At the time we were given such a hard time that we went with someone else. We had a premium account and got rid of it because of how we were treated. Now HSBC is holding up our closing for which we may have to pay an additional $500 to extend the time of our agreement. No guarantee of when they will file the UCC3 that was their responsibility. Sent several requests via email and called several times. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b349c7f355d4d75b6f7c3b7a673b181
encoding: FLOAT32
metadata:
{"chroma:document": "Really awful. We are a charity trying to save lives in a desperately poor area of India by sending money from the UK. They did a safeguard check on our account which took a year of us repeatedly sending the information they requested. One person would acknowledge receiving it when we phoned them and would say everything was completed. Three times this was done and three times they sent a letter a few days after threatening to close our account if we did not provide the information requested. The person who was dealing with our safeguard check was dismissed. Another person took over who was allegedly trying to phone us on a number of occasions, but never left any voicemails or sent any emails to us asking again for the information they needed otherwise they would close the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1804c5821822426b9c304c536a37d1d0
encoding: FLOAT32
metadata:
{"chroma:document": "I am in Australia with an account in UK. Unable to transfer money as they had deleted my payees and it was not possible to simply add them back (is this the worlds worst internet banking service?). Called on two occasions. Same result, THEY could not access my account as my telephone banking service was locked! I don\u2019t recall ever having called them before so that\u2019s a mystery in itself."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3bc3cdf8e3f24140a7a9660acfe97cc8
encoding: FLOAT32
metadata:
{"chroma:document": "I have had the worst customer service from this bank. It even beat out Wells Fargo and made them look like the bush league. First, anytime I used my debit card to buy anything online or even the groceries, it would get flagged as suspicious activities and the card would get locked. The account reactivation process required me to wait on hold and answer absurd questions. This happened on a weekly basis. Next, my husband died while we were living overseas. This was my undoing in banking with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b53b4a3358aa45cda00b14c7a96cc7b0
encoding: FLOAT32
metadata:
{"chroma:document": "My credit card was blocked and I received an email instructing me to contact the security center. I have been trying to contact the security center by phone during the last 15 days and it was impossible. After waiting more than 15 minutes in each call nobody answers. And my credit card is still blocked..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4dcbc3c8dbe54c9a84e5dd2a100d2c02
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an advance checking account with HSBC when I received a card in the mail saying that if I opened an advance checking account with them and keep at least $10,000 for 90 days from 30 days from opening, then after eight weeks from the 90 days $350 will be deposited into my account. I opened the account accordingly and kept the $10,000 from 3/17/2018. I called and talked with a customer representative a couple of times with the first week of opening the account and keeping the said amount just to make sure that it is qualified for the award they were promising. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54709c32fc994bf689a076c7a430678a
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with HSBC Bank for nearly 15 years. The only reason I've stayed with them is because I have premier status. However, even with premiere status, HSBC has the worst customer service ever. Your premiere relationship manager never contacts you and there is huge turnover where most leave the company and do not even notify you. Moreover, each time I attempt to call HSBC customer support, I am on hold for over 30 minutes (and this is when I call the Premiere Customer Support line). I received a fraud alert, and have tried contacting the bank for the past 4x days, but without any luck. At this point, I am considering switching banks because HSBC has zero interest in putting its customers first or making a change. In addition, the app is very archaic. You're better signing up with Chase and any other bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 78e2e4486dc2402ba6e609457378b110
encoding: FLOAT32
metadata:
{"chroma:document": "My credit card number was compromised and I contacted HSBC that day. I gave them all the information, and even contacted the vendor where the card number was used. That vendor then refuted the claim that the purchases made were fraudulent and HSBC is now coming back to me for $680 in fraudulent charges. Their fraud department rep was extremely rude and nasty on the phone and pretty much accused me of lying. Cancelled the card, and I would never do business with them again. I'm really shocked that they are that bad."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e17e688701cb4ee293b9a1e449c51424
encoding: FLOAT32
metadata:
{"chroma:document": "Waited for a chat only to be told I had to call. Called, was told I needed to be transferred, next person said same thing, but she instead just hung up on me. I was on the call a total of 1 hour & 14 mins, with 99% of that time being on hold. Tried chat again, no reply. Chatted again and asked them to call me. They said they couldn't relay the message because they were in the chat department. I am now on hold with them again... So far, it's been 41 minutes. This is the worst customer service I have ever seen."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9b6c9fc74bcb4a108808adcc6041d72a
encoding: FLOAT32
metadata:
{"chroma:document": "I made two deposits $2000 and $2400 and they close my account. I don't why and If you call it takes a long time before you reach someone. I called a few times yesterday, the lines were busy, what a joke, they seem to be honest at first and It took over 30 days to get all my account information from HSBC. I would tell people to stay away far away from this bank. I don't why the banking agency does not do something about this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5b2b8a73785b478ab457484f1241b5e7
encoding: FLOAT32
metadata:
{"chroma:document": "Opened a credit card with HSBC because of the cash back. The flat fees they charge at any random point scammed way more money out of me than that. The worse part of it was trying to pay off and shut down the card at the end. After paying off everything on the card I found that I was charged a flat $25 \"Late Fee\" on literally no money as the account was now paid off (overpaid actually). I called in to remove this crazy fee and I was told that the card would be sorted and shut down so I threw another $10 in there to make sure it is all paid off and done. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 37f98f4311ad4f388978a08f2d867cdd
encoding: FLOAT32
metadata:
{"chroma:document": "After multiple calls being transferred and disconnected along with spending over 3 hours on the phone dealing with teams in the Philippines, India and then Ireland I was scammed out of over 3% of my funds due to a international transfer error and the lack of information provided by HSBC. I'm completely disgusted in the way I was treated and I'm sure this would've been a very different story if I had been their 'Premier' customer. Going forward, I will ensure that everyone in my connection knows of this awful experience with a bank who claim to have such a global presence and support."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a00ad1fb62f4bb1a3b97fefe7d2ec87
encoding: FLOAT32
metadata:
{"chroma:document": "My rent check was intercepted, forged, and written out to a complete stranger for my rent amount +1,000 extra dollars. The check was so obviously washed, how it got processed and money withdrawn is beyond me. I filed a fraudulent check affidavit, filed a police report, contacted the FTC and the BBB twice and have yet to receive my refund. It has been two weeks. TD Waterhouse bank, where the check may have been processed, actually called me stating the check appeared fake and that they were ready to return funds but have not heard from my bank. Contacted the branch contact and corporate but they have no sense of urgency and do not return my phone calls. Appalled by their lack of urgency and abhorrent customer services."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4b8b286067a54cda8e37939ec0e58164
encoding: FLOAT32
metadata:
{"chroma:document": "Recently opened a credit card with HSBC, but for no reason it's blocked by the bank, don't know why. I just made one transaction of around 80 dollars and paid it off next day. First so difficult to get someone on its customer service, luck if I get someone then I was told that Banks verification department wants to verify some information. It's not more than 7 days, after wasting more than ten hours I could not get anyone from its verification department. Even to pay over the phone was so difficult that I had to make so much struggle to pay it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9f324574bd040df8bffffe7a2830d3e
encoding: FLOAT32
metadata:
{"chroma:document": "HSBC, if I am not mistaken had the largest penalty a bank received to date and did so because they opened accounts for drug king pins who bought real estate worldwide... Reuters - HSBC Holdings PLC agreed to pay a record $1.92 billion in fines to U.S. authorities for allowing itself to be used to launder a river of drug money flowing out of Mexico and other banking lapses."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1214571ecdbd420a8225833d0be79a66
encoding: FLOAT32
metadata:
{"chroma:document": "After being a customer for 20 years HSBC closed all accounts without warning. When I tried transferring $2300 from my Chase to my HSBC, HSBC held on to the money and did not send it back to Chase and have not returned it to me. They tell me they don't know where the money is and basically told me, \"Tough luck.\" This happened on 6/25. It is now 8/2 and the money is still missing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d2172609d0d24409a97bd597ff7bbdfd
encoding: FLOAT32
metadata:
{"chroma:document": "I opened up my checking account with HSBC and they never sent me any mails. I tried to create an internet banking account for my checking account but I was unable to do so. I called the bank over 30 times and was put on long holds over 30 minutes each. I still am unable to access my funds with the bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1cd88b0d23474781ac358639e8361032
encoding: FLOAT32
metadata:
{"chroma:document": "I have the invitation from HSBC to apply for a CC in April. They said I have been pre-approved. I started fill-out the application, didn't hear anything from them, either \"approved\" or \"not approved\". I called in and talked to one person, she said yes, I have been approved but need to wait (?) for the email. I've waited and finally got the card around May 20, 2018, with all the \"Congratulation\" packet and policies, and welcome, etc... you name it. I called and let them know that I would use when I travel out-side-of the US from June 6 to July 4, 18. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 74bdc21b3f284d86960c8774bcd7c26c
encoding: FLOAT32
metadata:
{"chroma:document": "How to scam a child, HSBC! To wit: My son had a savings account with HSBC USA to receive social security payments as a minor until he was 18. When the payments stopped -- thank you Social Security for what you did over the years -- he had $100 or so in his account. He didn't pay any attention to the account after that. He figured the money was safe. What we didn't realize was the bank was taking $5 a month over the past year, ostensibly because he didn't keep a balance of $500. A kid saves money -- his money, which the bank makes money on -- in an account, hoping for the day he can add more, but discovers, instead, they've taken it away. This is gouging to say the least. How many tens of millions does the bank make by requiring customers, especially children, to keep a minimum $500 in their savings accounts or else get fined? HSBC should be ashamed. Other banks, as well, that do the same."}


