How to Check Your Merrick Bank Credit Card Application Status (And What to Expect)

If you’ve recently applied for a Merrick Bank credit card—whether a secured card or an unsecured one—you might be wondering what comes next. Here’s a complete guide to help you check your application status, know what to expect, and what to do if you haven’t heard back.

Step-by-Step: How to Check Your Application Status

Option 1: Call Customer Service

• Unsecured or Pre-Approved Cards: Call 1-800-253-2322
• Secured Credit Cards: Call 1-800-204-5936
• Be ready with your name, birthdate, and application reference number (from your email or confirmation page)

Option 2: No Online Status Portal Yet

• Merrick Bank does not currently offer an online tracker for application status.
• If you have an account already (e.g., for a secured deposit), log in to merrickbank.com to check your messages or alerts

What Happens After You Apply?

• Approval Time: Most applicants hear back within 2 to 14 business days
• Card Delivery: If approved, the card usually arrives within 7 to 10 business days
• Email Notices: Approval emails may end up in spam folders—check those if you’re waiting
• No News Yet? Wait at least a full week before calling in for a status check

Tips to Keep the Process Smooth

• Save Your Reference Code: This will speed up phone support
• Don’t Reapply Too Soon: Multiple apps in a short time can hurt your credit score
• Use Correct Contact Info: Double-check your phone and email before submitting your application

Once Approved: What to Do Next

Register Your Card:

• Go to merrickbank.com and click “Cardholder Center”
• Set up your online account to:
  • Activate your card
  • Monitor transactions
  • Set up autopay or make one-time payments

Use the Mobile App:

• Download the Merrick Bank Mobile App (iOS or Android)
• View your balance, transactions, FICO® score, and payment due dates

Is Merrick Bank Right for You?

Merrick Bank cards are ideal for:

• People building or rebuilding credit
• Those who’ve received pre-approved mailers
• Applicants looking for simple cards with straightforward terms

You may want to look elsewhere if:

• You’re seeking premium rewards or travel perks
• You prefer an issuer with a faster online application status system

Final Thoughts

While Merrick Bank’s application process is fairly standard, the lack of an online status tracker can leave some applicants wondering. The good news? You can always call and get a real update. Just keep your reference number handy, and be patient—it often takes up to two weeks to hear back.