Welcome to Merrick Bank! - Merrick Bank Credit Rebuilding Classic

Welcome to goServices.
Your life simplified.
Convenient, complimentary services to help you
get the most out of your Merrick Bank account.
Paperless Statements
We’re pleased to offer paperless
statements. They’re just like your
paper statement. Plus, you’ll be
able to see it sooner since you’re
not waiting for the mail. You can
also download your statement in a
PDF for easy future reference.
To start using any of the
goServices, simply enroll in
the Cardholder Center today:
merrickbank.com/cardholdercenter
Get access to your account
anywhere you go.
With goMobile, managing your
Merrick Bank account has never
been easier or more convenient.
See what’s the right solution for you:
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Monthly FICO® Score
Get your updated FICO® Score
for free each month, when it is
provided to us from the credit
bureau. It does not hurt your score
to check it — so do so regularly to
make sure there are no unexpected
changes. Plus you’ll see the key
factors affecting your FICO® Score.
Visit Our Blog
Visit our blog and keep up to date
with the latest credit-building news.
You’ll have access to information on
budgeting and credit management.
Visa® Special Offers
When you use your Merrick Bank
Visa® Credit Card, you’ll find
money-saving deals on travel,
shopping, entertainment and
sports, all created exclusively for
Visa® cardholders.
FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.
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AVAILABLE FEATURES
MOBILE APP
SMS TEXT
MOBILE WEB
Check Available Credit
Check Current Balance
See Minimum Payment
Due
Welcome to
Merrick Bank!
See Payment Due Date
—
Make a Payment
See History
Set Email Alerts
—
Here’s a quick reference guide on
how to make payments and find
information on your statement.
—
Questions?
Call us at 1-800-204-5936 or
visit us at merrickbank.com
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www.merrickbank.com
1STMT0316
How to Read Your Statement
Welcome to Merrick Bank! We’re pleased to help you
meet your financial needs. We know that billing statements
are different for each company, so we would like to take
this opportunity to show you how to find information on
your Merrick Bank statement.
Cardholder Center
You can also access your account online in our free
Cardholder Center. It is available 24/7, whenever it’s
convenient for you. To get started, simply go to merrickbank.com/
cardholdercenter and enroll. You will just need your card
with you when you sign up.
New Balance:
This shows what you
currently owe as of the date
of your statement. It includes
any new purchases and/or
fees less any payments and
credits on your account.
Minimum Payment Due:
This is the minimum
payment that must be
received by your due date.
Here’s where to find the
address to mail your
payment.
• Use our Automated Phone System at no charge; or
• Speak to a Customer Service Agent; Fees may apply.
Other Helpful Tips
We know that you are working hard to rebuild
your credit. Remember:
• Make on-time payments
• Know your payment due date
• If you mail your payment, make sure to allow at
least 7–10 days for delivery, so we receive it on
or before your due date
• You can also set up recurring payments via the
Cardholder Center
New Balance
$24.00
Page 1 of 1
Past Due Amount Minimum Amt. Due Payment Due Date
$0.00
$24.00
05/13/16
Write In Amount
Of Payment Enclosed
$
Statement Date:
This is the date of
your statement.
.
Send Payments to:
MERRICK BANK CUSTOMER
123 MAIN STREET
ANYTOWN, USA 84111
MERRICK BANK
123 MAIN STREET
ANYTOWN, USA 12345
Payment Due Date:
This is the day we need to
receive your payment in
412012345678900000002400000024004
order to avoid late fees.
To make a payment by mail, insert the top portion in the enclosed envelope. Be sure the mailing address shows through the envelope window.
MERRICK ACCOUNT SUMMARY
Account Number
4120 1234 5678 9000
Billing Cycle Closing Date
04/18/16
An amount with a minus sign (-) is a credit unless otherwise indicated.
Summary of Account Activity
Previous Balance
Payments
Other Credits
Purchases
Cash Advances
Fees Charged
Interest Charged
We’re pleased to offer several convenient
payment options. You can:
•Pay online via the Cardholder Center
Statement Date: 04/18/16
Account Number: 4120 1234 5678 9000
Enroll at www.merrickbank.com
New Address or email? Print on back.
Making Payments
•Use our Mobile App on your smartphone
or Mobile Website
• Mail your payment
• Call the number on your statement and:
go paperless
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New Balance
Payment Information
$24.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$24.00
Past Due Amount
Credit Limit
Available Credit
Days in Billing Cycle
New Balance
Minimum Payment Due
Payment Due Date
$24.00
$24.00
05/13/16
Late Payment Warning:
If we do not receive your minimum payment by the date listed above, you may
have to pay a late fee up to $37.00.
Minimum Payment Warning:
If you make only the minimum payment each period, you will pay more in interest
and it will take you longer to pay off your balance. For example:
$0.00
$500.00
$476.00
28
Customer Service 1-800-253-2322. Our office hours are 24/7.
If you make no additional
charges using this card
and each month you pay...
You will pay off the
balance shown on this
statement in about...
And you will end
up paying an
estimated total of...
Only the minimum
payment
1 month
$24
If you would like information about credit counseling services, call 1-877-316-6322.
Account Activity Summary:
This is a summary of your
account activity since your
last statement and how your
New Balance is determined.
Transactions, Payments and Credits
Trans Date
Post Date
Item Description
Amount
Fees
TOTAL FEES FOR THIS PERIOD
0.00
Annual Percentage
0.00(APR):
Rate
This0.00
is where you will find
0.00
the APRs on your account.
Interest Charged
04/18
04/18
04/18
04/18
Interest Charge on Purchases
Interest Charge on Cash Advances
TOTAL INTEREST FOR THIS PERIOD
2016 Totals Year-to-Date
Total fees charged in 2016
Total interest charged in 2016
Transactions:
This is where you’ll see all
of your activity in detail,
your purchases, credits, fees
and anything affecting your
account balance.
$0.00
$0.00
See “Error Resolution Notice” on Reverse
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual rate on your account.
Annual
Percentage
Type of Balance
Rate (APR)
Purchases
0.00%
Cash Advances
0.00%
Balance Subject to
Interest Rate
$0.00
$0.00
(v) = Variable Rate
Interest
Charge
$0.00
$0.00
Here’s where you’ll see
important news and
happenings.
ANY INTEREST CHARGE AT PERIODIC RATE ON PURCHASES OR ADVANCES HAS BEEN COMPUTED ONLY THROUGH THE BILL DATE AND SUCH
INTEREST CHARGE CONTINUES TO ACCRUE DAILY UNTIL PAYMENT FOR ALL PURCHASES OR ADVANCES, AS APPLICABLE, IS POSTED. *PERIODIC RATES MAY VARY.
Cardholder News
XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
WELCOME TO MERRICK BANK!
WE’RE PLEASED TO MEET YOUR CREDIT CARD NEEDS! WE KNOW HOW
IMPORTANT BUILDING YOUR CREDIT IS TO YOU! PLEASE TAKE A MOMENT
AND REVIEW THIS FIRST STATEMENT INCLUDING YOUR FIRST PAYMENT
DUE DATE, WHICH IS LOCATED AT THE TOP OF YOUR STATEMENT.
YOU CAN MANAGE YOUR ACCOUNT, INCLUDING YOUR BILL,
TRACKING ACTIVITY, AND MUCH MORE--ALL FOR FREE--BY ENROLLING