Mercury Cards 4+

Load time is fast. First screen shows all the information you need without having to tap or go to a menu to reach a second screen. Also like the multiple payment option which favorably effects your credit score. I have a few credit cards with their apps and this one works better than most. I prefer paperless and I’m able to see everything I need to on the app. On transactions you can filter and get to the information you need and maybe one feature I’d add to the app would be to have the ability to send the filtered transaction data to my email in CSV or excel format for expense forms. I’m sure that feature is available on the website but I mostly use the app.

One of the worst credit card. Beware that once you start using the card and you make minimum payment, and the you decide to make full payment you will still be charge interest. I had a balance of 2500 that carried for a few months so it made sense that I was getting charged interest. Then I decided to pay the full balance on my current statement before the due date but I realize that there was still another interest charge of $63 as a balance after they applied my full balance payment which do not make sense. I paid 3 other card full balance at the same time and none of the other cards had another balance after full statement balance payment. When i called for explanation, I’m told that once you carry a balance, you can’t pay the full balance once because of you pay it once, you still got charged daily for interest so you will still have the residual interest charge to you after you pay off, This is reduculous…

I liked it better when it was just Mercury. I don’t care for some of the changes they have made. Making my payment after it switched was slightly confusing. I liked that I could cancel a online payment and change it needed, but can’t do that now. You can break down your payment to smaller payments but I don’t understand how that works for each month. I do like that I can still set my own payment amount and make multiple payments if I want. I like that my payments post pretty quick after they clear my account.