Mercury Financial Reviews 5

I have a credit card from the above provider. They charge a monthly fee, and once my purchases went to a higher amount, they switched on me and charged over the top interest and a yearly fee. It was shocking! There’s no way that I can get out of it until I pay it off. I am very very dissatisfied, I don’t recommend dealing with this provider. It’s the worst I have ever encountered.

My Best Western Credit card transferred from another bank to Mercury bank and I've had nothing but trouble and headaches.

1) I enrolled the new card. I supplied my mobile phone number and received a confirmation email. Then when I tried to login and setup auto payments, it sent a PIN number to my landline phone, ignoring my mobile phone number. Being that I couldn't get online to set up payments, I stopped using the card for now.
2) I got a bill for a $2.00 paper statement fee, even though I wasn't warned and couldn't get online to opt out of paper statements.
3) I called customer service and the woman, who was very nice, rebated my $2.00 fee, but couldn't help me with anything else. She transferred me to their Tech Department.
4) The person from the Tech department asked for the following: My full name, full SSN, birth date, full address and wanted to verify my bank account that I setup at the other bank! I told the person this is too much secure information to give over the phone - especially to what was obviously an overseas call center. She said that getting all that information was their policy. I ended up terminating the call.
5) I decided that after having the Best Western credit card for around 15-20 I would just cancel it do to the poor service from this bank. So, I called in and ended up with the Tech department again. This new person only asked my zip code and last 4 digits of my SSN, and not the full thing, which I was happy about. I told the person that if he can help me, I would keep the card. He signed me up for paperless statements and I received an email confirmation. When he tried to send me a text to make sure that they were using my cell phone instead of home phone for text messages now, he said he got an error. Then the man said that he needed to verify my checking account too! I asked to speak to a manager and was place on hold for around 20 minutes, then the line went dead.

Run, don't walk away from this incompetent bank!

I’m completely locked out of my account and have been unable to get back in. The password reset email never arrived, even after checking my spam folder. What's most frustrating is that the only way to get help is by calling. It feels incredibly outdated for a company in 2025 to not offer a contact form, ticketing system, or any other digital way to get support. Beyond the poor customer service options, the card itself lacks any notable features. The one redeeming factor is that the company was willing to extend credit to me despite a lower credit score.

Mercury is definitely a predatory lender, and they despise those who pay off their balance. People who work there should be ashamed of what they are doing to people through lies, deceit, theft and overall cruelty. They LIE and tell you they offer protection for bad purchases ( LIE), they do not take responsibility for anything and they do not care. Im absolutely disgusted that ive paid tons of interest to a company that only wants to see me stay in financial crisis so i permanently closed this horrendous account. Bye mercury go siphon money from someone elses wallet ------ thieves.

They charge interest on unpaid balances, they prey on desperate people. Closed account now at peace.