Credit Card FAQs

1.  Start at www.scorecardrewards.com OR log in to your account at mycardstatement.com and click the View Rewards button.
2. Click on Shop Rewards (Reminder: In order to access rewards, your account must be open and in good standing).
3. From there, you can select a specific category.
4. Choose from a wide variety of rewards, including items, gift cards, tickets, travel rewards, and more.
5. Add the reward to your cart and checkout.

Watch a video tutorial here.

You can access your credit card account, make payments, see rewards bonus points and more through the My Card Statement website. Log in at www.mycardstatement.com or use the single sign on option through our Online Banking below.

How to access My Card Statement/credit card login through Online & Mobile Banking:

1. Login to your Merchants Bank Online & Mobile Banking account.
2. Select Credit Card from the menu. Your credit card account will be listed.
3. Click View to be taken to your account details within mycardstatement.com.

You can easily pay your credit card balance either by:

• In-Person: Stopping by your local Merchants Bank branch and visiting with a teller
• Mail: Following the payment instructions on your statement to mail in a payment
• Online: Going to mycardstatement.com and logging in to make a payment

Yes, with our Redeem2Erase option you can apply rewards points from eligible transactions to your credit balance to "erase" your bill. Watch this video or follow the steps below to learn how:

1. Starting at www.scorecardrewards.com
2. Click on Shop Rewards and choose Redeem2Erase from the menu.
3. Click the Redeem2Erase logo icon on the page that appears.
4. Click Go to Transactions.
5. Choose the transactions (those between $20.00-$1,000.00 are eligible) you'd like to apply to your balance and click the Erase icon. Follow the steps to complete your points redemption.
6. The "erased" amount will appear on your credit card transactions as a credit within 1-2 business days.

You can earn additional rewards points on your Visa® ScoreCard Credit Card or additional cash back on your Visa® ScoreCard with Cash Back at participating retailers online or in-store with ScoreMore. It’s easy...just shop at participating retailers online by:

1. Starting at www.scorecardrewards.com
2. Click on ScoreMore for a list of participating retailers. 
3. Make your purchases using your Merchants Bank ScoreCard credit card. 
4. You automatically earn rewards points or cash back. In-store shopping is just as easy.

We work with our trusted partner, Visa® Falcon Fraud Prevention Services, to monitor fraud trends and detect fraudulent transactions on your credit card accounts 24/7.

Our partner, Falcon, will call, text or email you in the event of a suspicious transaction. Falcon will make you aware that the call is being placed on behalf of Merchants Bank. If you cannot be reached after the first attempt, the Merchants Bank Credit Card Department will place a follow-up call.

When our partner contacts you, they will ask you for some identifying information - such as the last four digits of your Social Security Number. They will never ask you for your full number. If you are uncomfortable and don't want to speak with our partner, please call the Merchants Bank Credit Card Department directly at (833) 794-0032 and verify the transaction or let us know that you did not make the purchase in question.

Yes. It’s important for you to contact Merchants before you leave to ensure the best service while you are out of town. If you make purchases in a state or country where you don't normally use your Merchants Bank credit card, we may think these transactions are fraudulent unless we know otherwise.

When contacting the Bank regarding your travel plans, we will ask for the following information:

• Dates of your trip(s)
• Exact travel locations
• How we can contact you while you’re gone

To place a travel alert:

• Call us at (833) 794-0032 or your local branch
• Submit a travel notice in Online & Mobile Banking

We strongly recommend that you carry more than one form of payment during your trip. Interruptions within any card network are always a very real possibility. Carrying multiple forms of payment reduces frustrations when trying to complete a needed purchase.