Mercury Oculus

Name: Mercury Oculus
Rating: 4.13593 (2082 reviews)

Finance

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Mercury Oculus

Finance

4.1

2.1K ratings

Age Rating

Seller

Mercury Financial LLC

View in App Store

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User Reviews for Mercury Oculus

Really Helpful, Both Now and Later

I got a card with Mercury after a bankruptcy, and every step with them has been great. Overall, I am horrible with technology (even at the age of 26), but the app and website have been straightforward and simple for me. Mercury has truly helped me rebuild credit, so although others may have had a different experience, I suggest this card/company to everyone!

AJLothbrok, Jun 30, 2022

Easy to use

I really enjoy this updated app! It’s easier to read and interpret. I have come to really appreciate the main page that breaks down your limits, usage and remaining balances. I also like the update with the payments that shows how you can break up your payments and what your interest looks like based on your payments. The rewards are a little hidden but outside of that it’s easy to use. It would be nice to see a quicker short cut for the rewards. Thoroughly using this app.

Amber Michele, Jun 15, 2022

Fraud charge balance they won’t remove

REPORTING TO CFPB right now! Called 8 times now to remove a fraud charge of $421 from a target in another state. System or person hung up after 40 minutes each time. The second charge was blocked when I got notification via text. I am in escrow so my balance should be and needs to be zero. I can’t even get a temporary credit. Opening a dispute is useless. 2nd issue: Bungee America charged $248 which I disputed. I cancelled the charge 6 hours after my minor went online ordering a service never rendered. Mercury lies that the vendor said I used the services. Not true. Vendor I did offer to extend the tickets a few months but my son lives in Portland and won’t be back until next summer. This does not constitute services rendered. Even though it states no refunds, there’s a 24 hours to cancelation by law for online or phone orders plus my son is under age. I did not make the order. I do not recommend this card after this experience! I will be closing this account. I have too many accts not being used and don’t need an annual fee.

Arthurrt, Dec 03, 2021

Happy with the service

App is easy to use. As some of the other reviews suggested, I also was given a higher than expected starting credit limit. Looking forward to seeing what it is increased to. No comments on APR. I never pay much attention to that. So long as the balance is laid before the bill cycles there is no interest, + I’m building credit. Rewards program is okay.

Brandon Patterson, Jun 19, 2022

Much better app after re-design

I like this app better. I find it easier to navigate. I like the option to breakdown payments and do them weekly. You decide the amount and when calendar pops up you can choose the dates that are convenient. You can cancel it change dates day prior if need be. I didn't give them a 5 star because they need to do better transfer offers, when they do and you decline it doesn't need to keep popping up every time you log in.

Deebutterflies, Jun 10, 2022

Read this before you apply

I currently own a card with Mercury. They target people with low credit score, and at first it is good because it really helped with the credit. However, this company does not give increases to your credit, they are not registered like other credit card companies, QuickBooks doesn’t recognize them, nerd wallet doesn’t recognize them, and it takes them forever to report your credit changes. For a beginner with very very crappy credit this is a good card service. They do not protect the customers from fraud, in fact or blatantly apathetic about it. So when you apply you are applying for a card to build your credit and nothing more. Whatever they start you out it is what you will stay at for years. It has already been two years for me and still no credit increase and I can’t connect it to my QuickBooks like I can with the other ones. So think twice before you apply for this company

Evilmincer, Mar 18, 2022

You asked, let’s see what happens with the info

For me this use to be a Barclays card. The app was super. I miss those days. There are many hiccups with this app, starting off with the loading. I have a grandmother who moves faster. Second is payment changes. It doesn't always happen the way it should in this app. It would also be nice if I could see pending payments on the first page (under what is due). Bouncing around too much in the app in my open. Hmmm, more steps (I am thrilled). Another issue is taking a trip. In this app it only allows for foreign travel…bi-coastal US not an option. I guess they only pay attention to card activity if you leave the good ol’ USA. I can go on but you need to read the other folks input.

getawaygalsd, Jun 10, 2022

I haven't even gotten my card after months

I opened an account a few months ago. I waited for my card for a couple weeks, but it never came. So I went to request another card. There is no email address to contact, you have to go through the phone number. I held for 2 hours one day and I never got through. There is no other way to request another card besides that number that I can find, no button in the app or site. I've tried calling multiple times over the last couple months and I have never been able to speak to a person. I suppose I could do a snail mail, but then what if that's lost as well? I've pretty much given up. I would just close my account, but I would probably have to get a person on the phone for that. So eventually it'll close due to inactivity hopefully.

KasaraEm13, Jun 14, 2022

Prefer the old app better.

I liked it better when it was just Mercury. I don’t care for some of the changes they have made. Making my payment after it switched was slightly confusing. I liked that I could cancel a online payment and change it needed, but can’t do that now. You can break down your payment to smaller payments but I don’t understand how that works for each month. I do like that I can still set my own payment amount and make multiple payments if I want. I like that my payments post pretty quick after they clear my account.

Nanny of SLC, Jun 10, 2022

Fire the techies

The new Oculus version of this app is total crap(to put it lightly)! I couldn’t get it to work from the time they published it. Just now, it took me an HOUR+ to get one payment made, and that I had to do on the phone, because the app has no options other than an ignorant programer’s idea of minimum or “spot” (like a first grade reader - remember spot?) or balance. Then, the app hangs and doesn’t work, anyway!! NOW… after making my payment over the phone with the department that should understand how the silly app works, the app WON’T CLOSE. Over and over, I tapped logout, then continue, and it stays open! I think that means their site and or app has been hacked. So now I’ve deleted it and will use the website from now on. If they make a game out of that, I’ll close all Mercury accounts - and advise all others to, as well. Whoever re-designed this app to look and act like a child’s game should be replaced. Bank accounts don’t need to be toyed with!

wary app man, May 31, 2022

Description

Welcome to Mercury Oculus, an eye-opening new way to manage your credit. Mercury Oculus goes beyond simply being a place to pay your card. You have unique credit goals—Mercury Oculus is designed to help you achieve them.

NEW from Mercury Oculus • Set credit goals • Get personalized tips on how to improve your credit • See how much you can save on interest • Schedule and even split-up your payments Account management features you know and love • View Account Balance • Pay your bill • Manage authorized users • Review transactions • Check your FICO® score • Initiate a Balance Transfer (if an offer is available) • Manage your saved bank accounts • Update statement delivery options • Change your Travel Notifications Card setup made simple • Log on with FaceID® and Fingerprint scans from eligible devices (not supported on jailbroken devices) • Activate your card • Update personal information • Maintain PIN • Enroll in paperless statements Stay in the loop • Set up account notifications • Manage Email and SMS alerts Customer service at your fingertips • Contact our customer service center with one-touch dialing

Mercury Oculus

Mercury Oculus

Age Rating

Seller

Price Intelligence:

Grow your in-app revenue

Price Intelligence based on:

In-App Purchase Price (Subscription or Non-Recurring)

with the most powerful mobile SDK for subscriptions

User Reviews for Mercury Oculus

Really Helpful, Both Now and Later

Easy to use

Fraud charge balance they won’t remove

Happy with the service

Much better app after re-design

Read this before you apply

You asked, let’s see what happens with the info

I haven't even gotten my card after months

Prefer the old app better.

Fire the techies

Description

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