Activating Your New Merrick Bank Credit Card at

So you just received a shiny new credit card in the mail from Merrick Bank! Congratulations. 🎉 Now before you rush out to start swiping that card all over town, it’s important to activate your card first. This quick guide will walk you through how to easily activate your new Merrick Bank credit card online, through the mobile app, or by phone.

Overview of Merrick Bank

For those unfamiliar, Merrick Bank is a Utah-based bank that specializes in credit cards for people looking to build or rebuild their credit. They have served over 3 million cardholders to date!

Merrick Bank offers several different credit card options, including:

  • Merrick Bank Secured Visa
  • Merrick Bank Double Your Line Visa
  • Merrick Bank Platinum Visa
  • Merrick Bank Cash Rewards Visa

Activating Your Card at

Activating your card on the Merrick Bank website takes just a few minutes. Follow these simple steps:

  1. Navigate to the activation page:
  2. Enter your 16-digit card number
  3. Enter the last 4 digits of your SSN
  4. Input your date of birth in MM/DD/YYYY format
  5. Click “Activate Your Card”
  6. Follow any additional prompts to complete activation

And that’s it! Your new credit card is now ready to use. 👍

Pro Tip: You can also activate your card through the Merrick Bank mobile app or by calling the number on the back of your card.

What If There’s an Error on My Statement?

If you ever notice a suspicious or inaccurate charge on your Merrick Bank statement, you have options!

  • Within 60 days of the error appearing, send a written notice to:

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    Merrick Bank
    P.O. Box 9201
    Old Bethpage, NY, 11804-9001
  • Make sure to include:

    • Your full name and account number
    • The dollar amount of the suspected error
    • A description of the error
  • You can also call Merrick Bank to report any errors over the phone

By reporting errors promptly, you can resolve issues faster and avoid headaches down the road.

How to Make Payments on Your Card

When it comes time to pay your bill, Merrick Bank offers several convenient payment options:

  • Online through your account dashboard

  • Through the Merrick Bank mobile app

  • Calling 1-800-204-5936

  • Mailing a physical check or money order to:

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    Merrick Bank
    P.O. Box 660702
    Dallas, TX 75266-0702

Be sure to pay at least the minimum amount due by the payment due date each month to avoid late fees and interest charges. Setting up automatic payments is an easy way to make sure your payment is never late. 💡


Where can I use my Merrick Bank credit card?

You can use any Merrick Bank Visa credit card anywhere Visa is accepted – so millions of locations worldwide!

Can I get cash advances with my card?

Yes! Merrick Bank cards allow cash advances at ATMs around the globe.

What are the customer service hours?

24/7! Call 1-800-204-5936 anytime.

Can I get approved if I have bad credit?

It depends on your credit history, but Merrick Bank specializes in cards for building credit. It’s worth applying if you need to rebuild your score!

And there you have it! You should now be fully equipped to activate your new Merrick Bank card and start putting it to use. Here’s to rebuilding your credit and achieving financial goals! 🥂