Mercury Credit Card: Consumers can now activate their new Mercury Mastercard Credit card, manage the card account or respond to the pre-approved offer they have been received online website. The website is safe and secure to use and perform all their card activities online.
Mercury Credit Card
The new members, who have received the new mercury mastercard in the mail after their application is approved, need to activate it first providing a little information. To initiate the activation process online keep your card handy and follow the steps provided below.
Visit the above-mentioned website and click the active my card button from the middle of the page.
Enter your new card number in the four sectioned fields.
Type the last four digits of your social security number.
Select your birth month and year.
Click on continue and complete the process.
Once the card is activated, set up your online account and create the login credentials such as username, password to access it anytime as per your wish.
How to login mercury credit card account?
The existing mercury card members, who have already their online account access, as well as the new members, who finished their card activation successfully, can log in to manage their account and access its information.
To login to your mercury mastercard online account visit.
Tap manage my account button to enter the login page
Provide your mercury mastercard online account username and password.
Click the login button to activate the account and you get successfully login here.
What are the mercury card advantages?
No annual fee:
The mercury mastercard offers no annual fee, making it a great low-cost card to help build credit in the long run.
Free fico score: you can also check your score for free with credit karma, or you can get a free credit report from annualcreditreport.com. This is a nice thing for a card to offer, but not a game changer.
Fraud protection: this is an awesome perk to protect against credit card fraud, but is standard with most cards these days.
Mobile app: again, an app isn’t groundbreaking and it’s another feature that is commonplace with most credit cards.
Merchant acceptance: most merchants accept mastercard nationwide.
What are the mercury card disadvantages?
The mercury credit card has a relatively high interest rate, or apr. At least, it’s a higher interest rate than most similar cards.
Hopefully, this never comes into play because you make your payments on time and in full every month. At the end of the day, you most likely are looking at the mercury card because you want to build your credit, and making on-time payments is how to do it. Avoiding credit card debt is almost always a good strategy.
Though, life and unexpected things happen. So if you find yourself needing to pay an apr for a period of time, the lower it is the better.
Foreign transaction fee:
If you’re not traveling internationally, the 3% foreign transaction fee won’t matter to you. However, the 3% fee will add up for someone who is planning to use this card abroad.
Sign-up code required:
Even if you are interested in the mercury card, you cannot just go out and apply for it. Remember, it’s the most exclusive mid-tier credit card out there.
You need to wait for mercury to select you to even get the opportunity to apply.
Difficult to find information:
Last, and most importantly, this card is too mysterious for my liking. The cardholder agreement available online is vague, leaving out crucial pieces of information, like whether or not they have a rewards program.
Maybe they provide more details when you get a sign-up code from them in the mail, but if not, there is simply not enough information out there on this card.
Recovery of password:
If you have forgotten your account, click on forgot your password link from the bottom of the login tab and enter following two information to reset the password:
- Recovery of username or email address
- Last 4 digits of your social security number
How to apply for the mercury credit card?
As currently, mercury cannot approve any application without a reservation number that comes along with the invitation mail for applying for the card; people must be pre-selected. For that, they need to receive an offer mailer from mercury and have been pre-approved.
To respond to the offer, visit the mercury card page and click the respond to offer link to activate their reservation. To initiate the process, provide the reservation number and the last four digits of your SSN.
Those, who have lost their reservation number, reach out the reservation number activation page considering the above-written steps. Click the lost your reservation number link under the get started button. Then enter your last name, last four digits of SSN and zip code to locate your reservation.
Mercury credit card:
Mercury mastercard credit card’s reservation number will expire a certain period of time. Check the expiration date in your offer mail and complete the application process before it.
If the application is approved, you will get your new card within 7-10 business days by mail.
The card is accepted over 40 million different places worldwide.
$0 fraud liability if your card is lost or stolen.
Fico score free to know your credit score and the effect. If the score is available, it takes nearly two months after account opening by logging into your account.
Read More: Legacy Credit Card
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The mercury provides you with $0 fraud liability in case the card gets misplaced or stolen. Mercury credit cards are only offered to selected customers of first bank & trust and a reservation code is sent via mail. If you don’t have a reservation code then you are not able to apply for the card.
Use the guidelines, to login, activate the credit card and must remember one thing don’t share your login id and password with anyone. You have to keep your login details as safe as possible.