Merrick Bank Merrick Bank claims late payment on record for paying 300.00 of 382.85 balance received 2 days before monthly bill sent out. Internet

Merrick Bank claims I was late because I added and additional payment of $300.00 on an account that had a balance of $382.85. Of the remaining balance of $82.85, I was billed $70.00 (twice normal of the regular $35.000 because the extra payment of $300.00 was recieved before the next bill came out, they claimed I was late!

Time line: Prior to Nov. 2014 card had 0.00 bal, then used. 12/2014, billed $35.00, paid $100.00 leaving balance of $382.85. 01/28/15, $300.00 paid towards balance. Payment arrives prior to bill being sent out, Merrick files my payment as "late" and doubles my $35.00 payment to $70.00, however the bill states the $70.00 is not due until 03/23/2015.

My "Go-Score" drops from 734 to 722 for paying a day or two EARLY by my credit union's web site. Now I have paid the balancei n full, printed out complease copies in the event the state attorney and credit unions will need them once I file a complaint with them.

I will keep a zero balance and lock the card away, as cancelling the card may have a negitive effect on my FICO score. Beware, the phone help at Merrick Bank is hostle, mean and sassy, espaecially Malinda that claims to work out of NY state.