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What is a Mercury Credit Card?
In this article I will explain how the www.gomercury.com pre approved application works, Gomercury.com reservation code and more so please read it carefully and make sure not to skip any part.
Mercury Mastercard is an unsecure credit card issued by First Bank & Trust, Brookings, SD under a license by Mastercard® International Incorporated or Visa® USA Incorporated.
Mercury cards was previously known as Gomercury by most people and can be accessed through “www.mercurycards.com” website to Make Payments, View Statements, Set up Alerts, and Manage Your Card.
Gomercury.com (Mercury Cards) credit card comes with many perks some of which are $0 Annual fee, $0 Security deposit , $0 Fraud liability and also FICO Score for Free however there are other charges as shown on the table below and they are subject to changes at any time. You can also view the updated version on mercury credit card user agreement.
| Name | Description |
|---|---|
| Annual Fees | $0 |
| Purchase APR | 27.24% – 29.24% (V) |
| Cash Advance APR | 27.24% – 29.24% (V) |
| Cash advance fee | 5% or (min $10) |
| Late payment fee | $40 |
| Credit Limit | Depends on creditworthiness |
| Grace Period | 23 days |
| Minimum Required Credit Score | 550 to 640+ |
| Security Deposit | NIL |
What is www.gomercury.com Pre Approved Application?
www.gomercury.com Pre Approved Application is an offer you’ll receive from Mercury cards via email containing mercury reservation code.
You don’t need to apply for a mercury credit card, they hand pick or select people based on various criterias, so if you’re selected then you’ll get the email with mercury reservation code and you can proceed from there.
What is Gomercury.com Reservation Code?
GoMercury.com Reservation Code is the code that enables a user to apply for the mercury credit card. It’s essential because without it you can’t proceed with the application of your credit card. It is sent in your pre approval email, so keep it safe, if you loose it and there goes your chance of applying for the mercury credit card
Gomercury.com pre approved application online
Here are steps to follow after receiving your Mercury credit card pre approved reservation code.
- Step 1: Go to GoMercury credit card reservation code page
- Step 2: Enter your reservation code and the last 4 digits of your Social Security Number (SSN).
- Step 3: Click Submit and fill in additional information if required.
Mercury cards will inform you of their decision after conducting a hard inquiry.
Steps for Gomercury Credit Card Activation
follow the following steps carefully to activate your mercury credit card.
- Step 1: Go to Mercury Credit Card activation page.
- Enter your Mercury credit card number, last 4 digits of your Social Security Number (SSN) and your birth Month and Year.
- Click Proceed to continue with the activation process.
NOTE: You must activate your credit card before you start using it failure to do so will hinder the usage of the card.
Once activated you can now make payments globally.
Benefits of Mercury Credit Card
- Accepted worldwide : the credit card can be used anywhere in the world.
- $0 Annual Fees : you wont be charged any annual fees for usage of mercury credit card
- $0 Fraud Liability : this means that in an event of credit card loss or fraudulent or unauthorized purchases you wont be liable for the amount spent, Mercury Cards will remove the after a through investigation has been conducted by the card provider
- FICO Score Free : FICO is a credit score used to evaluate an individual’s creditworthiness, with Mercury Credit Card the score wont matter.
How to Check www.gomercury.com Pre Approved Application Status?
Your status will be shown immediately after submitting your pre approved application however in some cases you might need to follow up by following the steps below
- Go to Mercury Cards Website
- Sign in to your account
- Click “My Account”
- Your status will be displayed
How to Make Mercury Credit Card Payments
Payments can be made by mail, automated phone service, autopay, mobile app, and online. However it is highly recommended to make payments online using the Mercury website or mobile application for security purposes.
Mercury Credit Card Payment Online
Mercury credit card Payments can be made by signing in to your account or without signing in.
Payments by signing in to your Mercury account.
- Go to Mercury Login page
- Enter your username and password
- Click “Submit” and go to the “Account Summary” page
- Click the “Make a Payment” option
- You can make a payment using your debit card or savings account.
Payments by NOT signing in to your Mercury account.
Follow the steps I have mentioned below to make a payment for your Gomercury Credit Card online without signing into your account.
- Go to make a payment page
- Enter your Birth Month, Birth Year, Credit Card Number, or Social Security Number
- Click “Continue” and Make a Payment using a Debit Card or Savings Account
Mercury Credit Card Payment by Mail
If you want to make payments for your Mercury Credit Card by mail then send the payment to the following address with your name and the last four digits of your account number.
Address:-
Card Services
PO Box 70168
Philadelphia, PA 19176-0168
For overnight payment delivery,
Address:-
Lockbox Services
Box #70168
400 White Clay Center Dr
Newark, DE 19711
Don’t forget to mention your name as it appears on your account and the last 4 digits of your credit card number.
Mercury Credit Card Payment by Phone
You have to call the number which is printed on the back side of your credit card to make a payment for theMercury Credit Card. Otherwise, you can also Call 866-686-2158 or +1-706-494-5025 to make a payment.
Different Types of Credit Cards Offered By Mercury Cards
Mercury cards offers a number of credit cards which are as follows
- Mercury® Rewards Visa® Card
- NEA® Mercury® Mastercard®
- SEIU℠ Mercury® Mastercard®
- Free Spirit® Points Mastercard®
Note:- Annual Percentage Rate(APR), Annual Fees, Late Payment Fees, Grace Period, Balance Transfer Fees, Cash Advance Fees,
and Foreign Transaction Fees will vary for each credit card.
If you’re interested in knowing the fees for eacch card type then visit Mercury Credit Card User Agreement Page.
Mercury Credit Card Contact Number
If you have any queries regarding Mercury Credit cards, please contact them via the following phone numbers.
- For Payment:- Call 866-686-2158 or +1-706-494-5025
- For New Application Assistance:- Call 833-766-4844
How to Increase Mercury Credit Card Limit?
Mercury cards will automatically increase your credit limit depending on your track records, as we know there is always reward for good behavior.
you may wonder “what’s the starting credit balance for mercury credit card?”, well the starting limit is based on your credit score, existing debts, and your income.
Frequently Asked Questions
Is there a pre-approval for a Mercury credit card?
Yes, the Mercury Credit Card offers pre-approval for potential applicants. This pre-approval is based on information in your credit profile and is typically mailed out to eligible individuals. If you receive a pre-approval letter, you can check your eligibility by entering your last name, ZIP code, and last four digits of your Social Security number on the Mercury website
What is the interest rate for the mercury credit card
The interest rate for the Mercury Credit Card is a variable APR ranging from 29.99% to 30.24%
Does Mercury card do a hard pull?
The Mercury Credit Card performs a hard inquiry on your credit report during the application process. To qualify for this card, you typically require a minimum fair credit score. This type of inquiry can result in a temporary 5-10 point decrease in your credit score.
What credit score do you need to get a Mercury credit card?
To have a good chance of approval for the Mercury Credit Card, applicants typically require a minimum credit score of 640. This means that individuals with fair credit or higher will have a viable opportunity to get approved for the card.
How can you avoid paying high interest rates on the mercury credit card
To avoid high interest rates on the Mercury Credit Card, it’s vital to pay your full balance each month to prevent interest accumulation. If you can’t pay the full amount, make timely payments to minimize interest charges. Moreover, maintain control over your spending to avoid needing high-interest borrowing.
Does the Mercury Credit Card do a hard pull for credit limit increases?
No, the Mercury Credit Card doesn’t do a hard pull for credit limit increases.
What credit bureau does the Mercury Credit Card use for approval?
The Mercury Credit Card can use any of the major credit bureaus (TransUnion, Experian, or Equifax) for approval. Regardless of the bureau they choose to pull from, it will always appear as a hard pull on your credit.
Conclusion
It is my hope that you found this article useful and was able too answer all your questions about Mercury Pre-approved application, Mercury reservation code and Mercury Credit Cards in general. If I missed anything please contact us so that we could add it and be helpful to others.