Mercury Cards Reviews

Mercury Cards Reviews

Published by on 2024-09-24

🏷️ About: Mercury Oculus is a credit management app that helps you achieve your unique credit goals. It offers personalized tips to improve your credit, shows how much you can save on interest, and allows you to schedule and split-up your payments. The app also includes account management features such as viewing your account balance, paying your bill, managing authorized users, reviewing transactions, checking your FICO® score, initiating a balance transfer, managing saved bank accounts, updating statement delivery options, and changing travel notifications. Additionally, the app simplifies card setup and allows you to stay in the loop with account notifications and customer service at your fingertips.


       


Overall Customer Experience 😎


👿🤬😠 Negative experience
47.3%

🙄💅🫥 Neutral
33.6%

😎👌🔥 Positive experience
19.1%

~ from Justuseapp.com NLP analysis of 97,147 combined software reviews.



Summary of Customer Reviews (Takeaways): 💎

- Offers cash rewards that can be used to pay monthly bills

- Increased credit limit quickly

- Simple to get started

- Easy to use with voice over



Read 39 Customer Service Reviews 👿🤬😡😠💢😤

4.9 out of 5

Fraud charge balance they won’t remove

2022-05-21

REPORTING TO CFPB right now! Called 8 times now to remove a fraud charge of $421 from a target in another state. System or person hung up after 40 minutes each time. The second charge was blocked when I got notification via text. I am in escrow so my balance should be and needs to be zero. I can’t even get a temporary credit. Opening a dispute is useless.
2nd issue: Bungee America charged $248 which I disputed. I cancelled the charge 6 hours after my minor went online ordering a service never rendered. Mercury lies that the vendor said I used the services. Not true. Vendor I did offer to extend the tickets a few months but my son lives in Portland and won’t be back until next summer. This does not constitute services rendered. Even though it states no refunds, there’s a 24 hours to cancelation by law for online or phone orders plus my son is under age. I did not make the order. I do not recommend this card after this experience! I will be closing this account. I have too many accts not being used and don’t need an annual fee.

The worst

2022-06-22

Don’t get a CC with these guys. Fraud happened on my account. It took them a month to take the charge off which took 17 points from my credit. Then they decided that I didn’t provide enough proof? Of someone stealing my CC? So now I have to pay for somehthing I didn’t do and my credit takes a hit? These people are criminal.

Fraud

2022-07-23

I am legally informing you a letter with A final bill/ payment was mailed to your corporate office. You never sent a bill which would reflect the payments made as requested since January.

I owe you less than $550 and won’t pay a dime until you accept that is the only amount due.

I’m in law, you are frauds- contact me anytime during the week.

New oculus update is terrible.

2022-08-24

The oculus update and it’s features do not work for my life style. I understand why it was done but should be a separate application. Or a feature that can be off/on. The old version was straightforward and with less steps to pay. MercuryCards design has confused me about my statement close dates etc it was saying I was past due but then it said I was not. Either way I will stop using the card. Due to the poor app design. Your poor design will not undo what I have built!!

App no longer works

2022-09-25

After months of use MercuryCards keeps telling me with a notification that it has a security expiration and I need to update app. I go to App Store and no update is available and it just gives the open button. Hit the open button and back to the same problem. I can’t access my app. I’ve tried uninstalling and that doesn’t help either a fresh install and immediately the update app notification appears.

Read this before you apply

2022-10-26

I currently own a card with Mercury. They target people with low credit score, and at first it is good because it really helped with the credit. However, this company does not give increases to your credit, they are not registered like other credit card companies, QuickBooks doesn’t recognize them, nerd wallet doesn’t recognize them, and it takes them forever to report your credit changes. For a beginner with very very crappy credit this is a good card service. They do not protect the customers from fraud, in fact or blatantly apathetic about it. So when you apply you are applying for a card to build your credit and nothing more. Whatever they start you out it is what you will stay at for years. It has already been two years for me and still no credit increase and I can’t connect it to my QuickBooks like I can with the other ones. So think twice before you apply for this company

App Non-functional

2022-11-27

I used the website with my iPhone 6S Plus and was happy when MercuryCards came out, but I couldn't log in to it, even though my UN and PWD worked fine on the website. I just received and set up my iPhone 11 and I was able to log in, but it continuously buffers when I'm at the part where I have to Agree to policies, etc. I cannot get past this point.

Didn’t get past the 1st agreement!

2022-12-28

Before even signing in the “ agreement” clearly states that they cannot protect your information & that you are entering MercuryCards at your own risk!? Ummm, No! I didn’t get past the 1st agreement! I appreciate their honesty but, I would much rather be safe than sorry because I don’t have much but I definitely don’t want to risk anything!

Oculus looks like an upgrade nobody asked for.

2023-01-29

If you were use to the last version, the oculus version will make you question updating your apps. More than half the useful info was eliminated from the home screen. Technically, everything I have tried works. It is just more of a change than I like to see. Especially in a banking app.

Apple Wallet

2023-03-02

I like the card my only issue is why haven’t you guys updated your services to the apple wallet(Apple Pay)?? Every other service has a apple wallet that would boost you guys up in a big way.

No Face ID Recognition

2023-03-31

I am giving 4 starts because everything else is great. But I wish I could straightly log into my app without typing my password every time.

Great Card

2023-05-02

Mercury has helped me in improving my credit. They were very generous with my limit as well. I’m on my way to improving my score, thanks to Mercury.

New update is pretty cool

2023-06-02

Just got the new oculus update, I never thought I’d be able to see my credit like this… cool design!

Nice Payment Options

2023-07-04

App looks great after refresh and easy payment options.

Great card

2023-08-04

I am puzzled about those negative reviews. I have this card for a couple of years now and never experienced any problem. MercuryCards is wonderful and easy to navigate.

Payment reversal Issues

2023-09-05

Try sending a Money Order or a check, but make sure you mail it by return receipt. That way you have proof they did receive it.

Blind friendly

2023-10-07

I received a prequalified creditline and was pleasantly surprised to see how simple it was to get started. I am also blind so I was worried about the ease of MercuryCards to use with voice over, but so far no issues! I would so far recommend.

Building credit

2023-11-07

I love this card! I used it for a couple of months and they increased my credit right away. I started with a $500 limit and they increased it to $1,500. I have no issues with MercuryCards . Like with everything I make my payments during the week so that I can see it reflected right away. So far the best

I couldn’t be happier after seeing this card on credit karma(had it about a year now)

2023-12-09

I love the card, MercuryCards , and the customer service! Best card to get when your starting out or trying to build/rebuild credit. They offer cash rewards that u can use to pay your monthly mins!! Amazing company and service!

Instant Approval

2024-01-09

Was skeptical based on reviews, but I received a pre-approved mailer for $4000. I applied and was approved instantly. Already setup my online access and can see $4000 credit limit.

Garbage

2024-11-14

It keeps forcing me to enter my annual income. I enter it and then it logs me out. When I try to go back in it does the same thing. I can’t even open MercuryCards ! Complete garbage. Don’t waste your time!

Can’t Use Mercury Card Ph. App

2024-11-14

Unable to log on. Tried using MercuryCards numerous of times,but,no such luck. I’ll continue to use the website.

Can’t Get In

2024-11-14

I’ve tried 5 times to log in and can’t. I have my password that I use on the computer and it doesn’t work. Useless!

Cannot log on

2024-11-14

When I open MercuryCards I put my user name and password in and it says agree to license agreement and just spins and won’t go past that. I tried numerous times

Unable to log in

2024-11-14

I’ve tried logging in 10 times with no luck. MercuryCards makes me reset my password after several login failures.

Session expires immediately upon logging in

2024-11-14

MercuryCards is completely unusable, as your session expires immediately upon logging in. Absolutely the worst banking app ever.

New update not working!

2024-11-14

Since the most recent update - app won’t move past the load screen for esign document. Endless attempt to load the document. Cannot get into MercuryCards at all. Worked fine before but TOTALLY USELESS at this point !

App crashes after update

2024-11-14

Cannot make payment through app. When going to enter the payment amount, no keyboard shows up to enter the amount then MercuryCards crashes/closes.

Double Charge

2024-11-14

You need to be careful with MercuryCards. Because I've been charged twice when I used it to making payments. It has happened to me thrice. Never happened on computer. Use your computer instead of MercuryCards to make payment.

Fingerprint does not work

2024-11-14

Fingerprint does not work. My iphone 8plus rejects the security choice and I don't have a jailbroken phone.

Debit Card payment is nice- but

2024-11-14

Please allow saving a debit card on file!

Efficient

2024-11-14

Great app. Easy to navigate and do what I need to on my account.

Excellent

2024-11-14

Very simple to use and making payments is easy.

Great App

2024-11-14

It does everything I need. Was able to make a payment in minutes. Very user friendly!!

Super simple

2024-11-14

Easy payment. Easy transaction view. Exactly what I need.

Nikki
2023-06-05

I have had my card right at a year.. I pay my bill every month on time and I pay more than the amount due... And still haven't received a credit limit increase!

Nikki
2023-06-05

I have had my card right at a year.. I pay my bill every month on time and I pay more than the amount due... And still haven't received a credit limit increase!

Rg
2023-04-21

No lock feature on Oculus. I was hit by an unauthorized charge just recently, and there's no way to lock the card to prevent it from happening again. Customer Service/Fraud department at Mercury has no clue.

Just DeTour
2023-03-16

Tried to work things out with them, had trouble logging in, they changed something in their website technologically; employees are clueless, still couldn't log in to pay my bill after 2 weeks; had to call instead. Oh well, there are alternatives to paying your bill when your my age! Thanks, It's been real, bye bye.



Is Mercury Cards Safe? 🤗🙏


Yes. Mercury Cards is quiet safe to use but use with caution. This is based on our NLP (Natural language processing) analysis of over 97,147 User Reviews sourced from the Appstore and the appstore cumulative rating of 4.9/5 . Justuseapp Safety Score for Mercury Cards Is 28.7/100.


Is Mercury Cards Legit? 💯


Yes. Mercury Cards is legit, but not 100% legit to us. This conclusion was arrived at by running over 97,147 Mercury Cards User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for Mercury Cards Is 79.2/100..


Is Mercury Cards not working? 🚨


Mercury Cards works most of the time. If it is not working for you, we recommend you excersise some patience and retry later or Contact Support.



How was your experience with Mercury Cards? Post a Review




Features

- Set credit goals

- Get personalized tips on how to improve your credit

- See how much you can save on interest

- Schedule and split-up payments

- View account balance

- Pay your bill

- Manage authorized users

- Review transactions

- Check your FICO® score

- Initiate a balance transfer (if an offer is available)

- Manage saved bank accounts

- Update statement delivery options

- Change travel notifications

- Log on with FaceID® and Fingerprint scans from eligible devices (not supported on jailbroken devices)

- Activate your card

- Update personal information

- Maintain PIN

- Enroll in paperless statements

- Set up account notifications

- Manage email and SMS alerts

- Contact customer service center with one-touch dialing.

  Customer Service/Support
Developer:
Creditshop LLC

Contact e-Mail:

Website: