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:
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Purchase Intro APR:
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Purchase Regular APR:
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Balance Transfer Intro APR:
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Balance Transfer Regular APR:
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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
OldYoungin
Not as bad as you'd think
by OldYoungin
Helpful to 114 out of 117

I've had this card for a year and a half after getting sick and screwing up my credit, and its just fine. I was initially approved for $900 CL with low 500's. Merrick gave me my increase two payments early, and two more in the last six months, bringing me to $2400 and into the mid 600's. My score has gone up enough to replace two fee'd starter cards with an unsecured Capital One Platinum, as well as an Amex Gold that I use as a glorified FICO-reporting debit card. I don't know why there are so many negative reviews, because they TELL YOU when you're on the payment page HOW MANY DAYS your payment takes to post. Also, on the back of your paper statments statments/on your PDFs, it clearly says that if your payment due date is inconvenient, you can call and have it adjusted. A couple of other reviews here said that they were charged "monthly fees", but I just double-checked legit all my statements, and have only been charged my yearly fee...well, yearly. But here's a hot tip: if you want your payment to post the same day instead of waiting three to six, it's $4, soooo that sounds like that's what's going on for those people. The one time I called customer service, I only waited one whole minute for a nice midwestern lady to reset my login password and hand-hold me over the phone until I was logged back in. All-in-all,if you're a risky cardholder, the higher APR, zero perks and yearly fee *really* aren't that terrible to bump your score significantly and show that you can have big-kid cards (again). If you have even just *GOOD* over FAIR credit, this is not the card for you. Oh, and they just updated the app in Spring 2018: it doesn't looke like 1997 anymore, making it easier to pay and review your statments via smartphone.

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
codyplanetmgr
Good for lowering utilization.
by codyplanetmgr
Helpful to 54 out of 56

I keep this card in my sock drawer. It’s not a great card, but it’s decent if you have bad credit. I applied with scores in the mid 600’s after getting a preapproval notice in the mail. I liked that they doubled the score after 6 months. I put a few bucks on it a month to keep it active. I mainly have it to lower my overall utilization. That’s about all this card is good for. I’ve heard lots of horror stories about Merrick but haven’t had any issues with them. They’re owned by Credit One, from what I understand, and I also have a card with Credit One. That may be why I got the letter for this card. Both are known to be pretty awful lenders, but I haven’t had any issues yet. If they were to close my account without warning I’m not sure I’d be as angry as some of the other reviewers seem to be. Is this card worth having? Not really, but if you have fair credit it’s one of the better options out there for you. 


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† 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 June 2018 through November 2018. 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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