Merrick Bank Double Your Line Pre-Approval mail offer. Yay or nay? (2025)

FAQs

Does Merrick Bank really double your credit limit? ›

Merrick Bank. Our cards. *You can double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

You can check your Merrick Bank credit card application status by phone at (800) 253-2322.

You'll need enough income to pay your bills each month, too. Merrick Bank credit card applicants can get approved with a bad credit score of 639 or below, however, so even a low credit score shouldn't hold you back.

Chip Lupo, Credit Card Writer

The highest credit limit for a Merrick Bank credit card is $3,000. You can get the maximum Merrick Bank credit limit by placing a $3,000 deposit on the Merrick Bank Secured Card or by getting the unsecured Merrick Bank Credit Card and paying the bills on time for several months.

Merrick Bank has pre-approval, but it only extends pre-approved offers via mail or e-mail, or to existing customers through their online account. Merrick Bank does not have an online tool that interested consumers can use to check their pre-approval status.

After seven months, Merrick Bank will review your account activity and automatically double your line of credit if you've made at least your minimum monthly payment on time each month.

Merrick Bank Credit Card Approval Process Details

It usually takes anywhere from two business days to two weeks to...

The Merrick Bank credit score requirement is 500 for all cards, which means that people with bad credit or better have high approval odds.

Merrick Bank is a top 200 credit card issuer in the U.S. We offer both unsecured and secured credit cards to help those who are looking to build or rebuild their credit. Take a look at what the freedom of a Merrick Bank credit card could do for you.

No, you can't use your Merrick Bank credit card before it arrives because Merrick Bank does not disclose your card number, expiration date, or CVV in advance. You will have to wait for your Merrick Bank credit card to arrive and then activate it before you can use it.

Is Merrick Bank owned by Capital One? ›

Merrick Bank is a subsidiary of CardWorks, Inc., a U.S.-based financial services company headquartered in Woodburry, New York and founded in 1987. Merrick Bank has been a subsidiary of CardWorks, Inc. since 1997, and it is the 18th-largest credit card issuer in the United States, with 3.64 million cards in circulation.

Merrick Bank is a safe, legitimate bank owned and operated by financial services company CardWorks, Inc. Merrick Bank Corporation was founded in 1997 and accredited by the Better Business Bureau in 2012.

For a card that has no security deposit, the Merrick Bank Double Your Line® Mastercard® Credit Card has a lot of upfront costs. First, there's a one-time account set-up fee of up to $75. That's in addition to the card's $0 - $72 first-year annual fee, though you might see different annual fees on Credit Karma.

The Merrick Bank Double Your Line Credit Card, an unsecured card that automatically doubles your credit limit after the first seven months if you make at least the minimum payment on time each month.

Chip Lupo, Credit Card Writer

Merrick Bank will automatically increase the credit limit for eligible credit card accounts based on periodic account reviews that typically begin six months after an account is opened.

The second way you may get a credit limit increase is if a credit card company increases your limit without a request from you. This typically occurs after you've demonstrated responsible credit habits such as making on-time payments and paying more than the minimum payment required.

Merrick Bank is a top 200 credit card issuer in the U.S. We offer both unsecured and secured credit cards to help those who are looking to build or rebuild their credit. Take a look at what the freedom of a Merrick Bank credit card could do for you.