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Merrick Bank Double Your Line™ Visa® Credit Card

Cardholders' Choice i
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4.1 out of 5 stars
47 Reviews

From Cardholders in the last year

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ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

4 out of 5 stars

Customer Service

3.5 out of 5 stars

4 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR See Terms*
  • Annual Fee See Terms*
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR See Terms*

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. 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.

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Most Helpful Positive Review

May 10, 2016
Continually increasing credit limit
neiberg21 Cardholder

I was appproved for this card a lttle over a year and a half ago with a low 600's credit score for a $500 limit. I have paid on time every month. It initially doubled after the 6th payment. I currently have a $2500 and my credit score is now just under 700. I love this card with the exception of the $4 mothly "maintainence" fee and the fairly high interst rate. The best thing to do is keep the balance low or pay off what you charge each month. Overall I am pleased with this card!

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Most Helpful Negative Review

Sep 10, 2016
Avoid this one!
Anonymous Cardholder

Due to a variety of circumstances I had to file a Chap. 13 bankruptcy.  After paying back the full amount decided by the court but before it cleared my credit history I received an offer from Merrick.  It didn't have any annual fees, unlike most offers I was receiving, so I jumped right on it.  Yes the interest rates were high, but that was to be expected given my credit history and score at the time.  I didn't really have any issues until their fraud department called me one afternoon to tell me there was suspicious activity.  They rattled off a number of charges, to the tune of over $300, that were posted to my account in the last 3 days (all of which were in states not near me).  Cell phone payments to a company I don't use, restaurant bills for places about 900 miles away from me, video phone call services to prison inmates...just all sorts of random stuff.  At this point everything went south.  They told me I'd receive paperwork in the mail in 7-10 days to fill out to dispute the charges.  That time period went by and I received nothing.  I called their customer service who transfered me to the fraud department.  They'd never sent the paperwork.  No apologies, no excuses...just a "yeah, we never sent that out.  Maybe tomorrow."  In the meantime my account is maxed out, there are $300 of charges on the account I didn't make and they're in no hurry to do anything.  Again I wait.  On day 12 the paperwork arrives and only half of the fraudlent claims are listed.  Again I'm on the phone with the fraud department asking where the other $120 worth of fraudulent charges are and that they're not shown on their affidavit that I have to submit.  They blamed me saying I never claimed they were fraudulent (although they called me and I agreed to all charges they told me about) and told me to just pencil them in and mail the paperwork back.  I completed the paperwork and took it to the Post Office the same day I received it.  Since then 2 months have passed with no word on anything.  Customer service, if you can call it that, claims it can take up to 90 days (90 days!) to process claims b/c the MERCHANT has the final say.  If the merchant claims it is a real charge, I'm stuck paying it.  Bottom line, as the card holder, user and account holder...they don't care about my rights, my credit or me as their customer at all.  MERCHANTS have the final say.  In this time period of waiting on Merrick Bank to do something, ANYTHING to remedy the situation I had 2 fraudulent charges made to another account that I have.  Those charges were disputed, investigated and removed from my account within 48 hours...but somehow it takes Merrick 90 days?  Worst customer service I've ever dealth with.  Worst fraud/security department I've ever dealt with.  If this situation is ever remedied I will be paying off my account and closing it.  I'd rather take the credit score hit of closing the account than dealing with a company that doesn't have my best interest in mind.  I don't need their credit card to rebuild, there are plenty of other ways.

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These reviews were written by current and former cardholders in the last year.

Nov 22, 2016
Anonymous Cardholder

A really good credit rebuilding card.

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Nov 20, 2016
good card for building credit
Anonymous Cardholder

started with 700 limit, 7 months later 1400 boom. It really helps elimante the amount of cards I need to carry. Customer service is ehh... They do maintenace on their website just about all day sunday, so if you bank online like me, setup your payments before sunday.

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Nov 13, 2016
Visa Merrick bank
Anonymous Cardholder

Excellent visa credit card from Merrick bank ,thanks so much!!!!!!!!

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Nov 12, 2016
Pretty good for low score
johntajacobs Cardholder

Got pre-approved through the mail which was surprising applied online and got approved for $600.   Which is geat lowered my utilization and helping to build credit history.  Havent had any problems from them besides the annual fee billed at once you activate.  

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Nov 10, 2016
So far, so good
Lynette0712 Cardholder

I received a credit card offer in the mail about 7 months ago. I applied and was approved. The offer stated that if I made 7 on time payments my credit limit of $750 would double to $1500. As promised, it did. 

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Nov 10, 2016
great
Anonymous Cardholder

I got a pre approval letter in the mail, applied and was approved! this card has been a life saver the past few months, waiting for my line of credit to double, great credit builder. 

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Nov 07, 2016
OK Card
hurtembad Cardholder

Paid my balance ontime before it even had a due date and have yet to see my credit limit (1,300.00) doubled. ive had the card now for 9 months. Im thinking i paid my balances to quick.

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Oct 23, 2016
Anonymous Cardholder

I received my card in 5 days. Easy to set up and use. $500 limit that doubles after 7 on time payments. Credit score went up 30pts. Great rebuilding tool!

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Oct 21, 2016
not bad
Anonymous Cardholder

I apply for this card with upper 600 score for $700.after 7 month they doubled it .now two years later no late payment still my limit is $2000

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Oct 17, 2016
JACK19701 Cardholder

I just got the email today my credit limit was double like they say started at 650 now 1300 pay my balance off each month

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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.

† 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 and typical low score to the 5th 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 2014 through November 2014. 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.

Merrick Bank Double Your Line™ Visa® Credit Card

47 Reviews
Cardholders' Choice i