Merrick Bank Double Your Line™ Visa® Credit Card

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  • See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
  • Double Your Line by making at least your minimum payment on time each month for the first 7 months your account is open. After you make your payments, the increase is automatic. 
  • Get your updated FICO® Score each month when it is provided to us from the credit bureau.
  • $0 Fraud Liability protects you from unauthorized charges.
  • Online and mobile Account Access.
  • No Penalty Rates or Over Limit Fee.
Annual Fee:
See Terms*
Purchase Intro APR:
N/A
Purchase Regular APR:
See Terms*
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
See Terms*

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate See Terms*
Cash Advance Fee See Terms*
Late Fee See Terms*
Penalty APR See Terms*
Balance Transfer Fee See Terms*
Foreign Transaction Fee See Terms*
Return Payment Fee See Terms*

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
pmartin1664
by pmartin1664
Helpful to 37 out of 38

 I know....there are some who give this card a low review score. Fact is.....they most likely were denied credit, even after receiving pre=approval status. That most likely happened due to their FICO score taking a nose dive after Merrick received an initial point average that was safe for them to issue a card. Even people that are doing well in trying to rebuild their credit, hit a wall and maybe fall behind on other credit liabilities. ANYWAY.. I have been rebuilding my credit for the past 18 months. I have never been late with the 6 cards I now have. None are debit cards, or secured. My average line of credit is $1000. Merrick preapproved me at $1200 with a promise to double in 7 months. The APR is lower than even my 2 Capital One cards, and my zChase !!  OUTSTANDING !!!  Approval online was instantaneous. And ZERO fee's was the benefit that made this card, a NO BRAINER ! Finally, something that sounds too good to be true, and IS FANTASTIC. nO HIDDEN FEE'S OR FINE PRINT. If you receive an offer, don't waste any time in applying. the process is 10 or so questions. All in which the bank already has, and is just veryfying the applicant to make sure it's the same person the offer was addressed to. So...IF YOU HAVE AN OFFER IN HAND, APPLY !!! If you are simply looking at cards in which you want to apply to....and you have 600 to fair or better credit....APPLY !!

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
mhskelton
Fraud
by mhskelton
Helpful to 7 out of 7

I contacted this company the day fraudulent changes were placed onto my account.  I couldn't se them online, but i could see my credit limit was maxed out.  All of the charges were to Segpay (whatever that is).  This company does not do things like other companies.  Even though these charges are nothing remotely similar to any charge from your history, they still assume it's you.  Basically, you made the charges and theyre going to investigate to see if you, the customer, is being truthful.  Two weeks after I reported the charges, they were still on my account.  According to Zack, it could take upto 50 days to remove the charges if they find they are fraudulent.  In the meantime, your credit score is lowered.  Not to mention they make you feel like a criminal instead of a victim.  

Other than this, the company has been great.  However, this is a very big deal.  


Our Take

If you’re looking to build your credit, the Merrick Bank Double Your LineTM Visa® Credit Card might make sense for you.

What to Like

While your credit limit might start off relatively low if you’re approved, Merrick Bank will double your credit line if you make at least the minimum monthly payment on-time for the first 7 months your account is open. After you make your payments, the increase is automatic. It’s also easy to find out if you’re pre-qualified before you actually apply, and you can see your pre-qualified APR and credit limit before making your application decision.

Look Out For

Like other cards that are primarily aimed at consumers looking to build their credit, credit limits here are relatively low and APRs are relatively high. There’s also no rewards or cash back with this card.

Similar Offers

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from March 2017 through August 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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