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merrick bank credit card number

If you want an unsecured card, you'll need to first receive a mail offer to apply with an acceptance certificate number. Like most credit cards targeting people. Merrick bank offers numerous products from credit cards to personal loans to Enter your bank account's routing number, account number. User Comments about Merrick Bank Credit Offers Typically, you can update mobile apps in App Store or Google Play. Please contact Merrick Bank directly at 1-.

Merrick bank credit card number -

Merrick Bank Double Your LineTM Platinum Visa® Credit Card
REVIEW

Merrick Bank Doubles Your Credit Line After 7 Months

The Merrick Bank Double Your Line Visa Credit Card is a unique credit card that will double your credit limit if you pay on time for 7 months. The starting credit limit ranges from $500 to $1,350. After 7 months of on-time payments, your credit limit will double to between $1,000 to $2,700. No other card offers such a guarantee in terms of increasing credit limit. As we shall soon find out, it is also very competitive in terms of fees and features. Your approval odds for the Merrick Bank Double Your Line Visa is best if your credit score is in the upper end of the bad credit range (ie from 600 to 650) and if you have been paying on-time on your other credit obligations for the last year. It is also one of the rare credit cards that allows you to pay via electronic payment systems like Western Union or Moneygram.
 

Card Details

Annual Fee $0-$72
One-time Application Fee N.A.
Monthly Fee N.A.
Regular APR 19.45% - 28.45%*Variable
Cash Advance APR 24.95% - 33.45%*Variable
Late Payment Fee Up to $40
Starting Credit Limit $500 - $1350
Credit Line Increase After 7 consecutive time payments, credit line doubles to $1,000-$2,700
Free Credit Score FICO score by either TransUnion or Experian from goscore


The table above shows the main features of this card. The annual fee will range between $0 and $72 and there is also no monthly maintenance fees that are common with other cards. That means you could possibly be approved for a no annual fee card.

Another interesting aspect of this card is that you can get a Free FICO score from TransUnion or Experian from goscore.

Most importantly, if you pay 7 consecutive timely payments on just your minimum payment, your credit line will double from your initial credit limit. Furthermore, after the initial doubling of credit line, Merrick Bank also has a track record of further increasing your credit limits.
 

Card Annual Fee Upfront Fee Monthly Fee APR Free Credit Score Credit Line Increase
Merrick Bank $$0-$72 N.A. N.A. 19.45% -28.45%*Variable FICO Score Yes - after 7 consecutive timely payments
First Digital $75 1st Year
Then $48
$96 $6.50 35.99 N.A. Yes - not guaranteed
Total Visa $75 1st Year
Then $48
$89 $0 1st Year
$6.25/m
34.99% N.A. Yes - not guaranteed
Surge Mastercard $135 1st Year
Then $96
N.A. $10/m 29.90% Yes Yes - not guaranteed
Credit One Bank $0-$99 N.A. N.A. 19.49% to 25.49% Yes Yes - not guaranteed
Indigo Mastercard $0 to $99 N.A. N.A. 24.90% N.A. N.A.


As you can see from the table above, the Merrick Bank card compares very well with the better cards in the bad credit space in terms of features and features. It's annual fee of between $0 and $72 is very competitive with cards like Credit One, Indigo (whose annual fee ranges from $0 to $99). Like these cards, Merrick Bank also does not charge any monthly maintenance fees and one-time application fees. So from a fee perspective, Merrick bank is very competitive.

Another nice feature they offer card members is that everyone will get access to their FICO score for free. This is better than some cards like Credit One, which offers a free credit score but is not a FICO score (rather it is the Experian Vantage Score). The FICO score is provided by goscore and uses the FICO 8 score by either TransUnion or Experian.

However, the best feature of this card is that after 7 months of paying your minimum on time, your credit limit will automatically double. This is a great feature because when you have bad credit, your starting credit limit on a credit card tends to be very low ($300 to $500). Increasing your credit line could potentially help your credit utilization ratio. Some cards like Indigo and Milestone do not increase your credit line at all. And while other cards like Credit One Bank and Surge Mastercard do, only Merrick Bank guarantees it if you meet their critieria.
 

Pros and Cons

pros

  • Reasonable Annual Fee - Your annual fee for this card will range between $0 and $72. This is very reasonable compared to other cards who are targeting those of you with bad credit.

  • No Monthly Fee or One-time Application Fee - Unlike many other credit cards targeting those with poor credit, this card does not charge any monthly fee (on top of an annual fee). Nor does it charge any one-time application fee.

  • Good Initial Credit Limit - New card members will get an initial starting credit limit of between $500 and $1350. That is higher than a typical unsecured credit card targeting those with bad credit, which normally gives you a starting limit of between $300 and $500.

  • Double Your Limit After 7 Months of On-Time Payment - One of the truly unique feature of this card is that if you pay your minimum payment on time for 7 months, your credit line will automatically double. For example, if your starting credit limit is $1,000, then it will double to $2,000.

  • Free FICO Score - As a card member, you can get your FICO score for free every month. This is a great feature that more subprime credit cards are offering these days and Merrick Bank is one of them. The score is provided by a service called goscore and uses FICO 8 scores from either TransUnion or Experian.

  • No Penalty Rates or Over the Limit Fees - This card does not have penalty rates or over-the-limit fees

  • Pre-qualify First - No Hard Pull - Before you can apply for the card, Merrick Bank requires that you go through a pre-qualification process. It will not result in a hard pull. If you pre-qualify, only then will you be able to apply for the card.

  • Can use Moneygram or Western Union to pay bills - Merrick Bank is one of the rare firms that allows cardholders to pay via electronic payment systems like Moneygram and Western Union. That means that those off you without a checking account or debit card can still apply and pay for this card.

Cons

  • High Interest Rates - The APR on this card is not the lowest. We always recommend that everyone pays their bills in full so that the interest on the card does not matter.



Our Take

The Merrick Bank Double Your Line Visa Credit Card is one of the best credit cards for those of you with bad to fair credit. It charges a very reasonable annual fee that ranges between $0 and $72. There is also no monthly maintenance fee or one-time application fee. That means in theory, you could get this credit card for no annual fee. From a fee perspective, they are competitive with cards like Credit One Bank and Indigo Mastercard.

Another nice feature they have is that you can get your FICO score every month for free. Some cards like Credit One and cards from Continental Finance like Reflex Mastercard also offer free credit score. But this one offers an actual FICO score and not just a Vantage score.

But the best feature of this card is that if you pay your bills (at least minimum payment) on time for 7 months, your credit limit will be doubled. As a recap, the initial starting credit limit ranges between $500 and $1,350. That means after 7 months of timely payments, your credit limit will increase to between $1,000 and $2,700. While some cards will increase your credit limit after a while, this card explicitly guarantees that if you meet their criteria. Furthermore, Merrick Bank has a track record of further increasing your credit limit after the initial doubling of your credit line after 7 months.

Merrick Bank is also one of the rare cards that allow you to pay via electronic payment systems like Western Union and Moneygram. That means that those of you without a checking account or debit card can still apply and use this card.

Merrick Bank is for those of you with a FICO score of at least 620 and above (ie, you fall on the "upper end" of the bad credit spectrum). They also require that you have at least one year of on-time payments on your other credit obligations and not have too many hard inquiries recently. If your credit score is at least 620 and you meet the other criteria, then this is the credit card that I would recommend.

How to apply?

Before you apply for the Merrick Bank Double Your Line Visa, you first have to get pre-approved. The pre-approval process involves a soft inquiry and has no impact on your credit score. Below is a screenshot of the pre=approval application page. You only need to fill in basic information and your social security number (for the soft inquiry on your credit report). If you are pre-approved, then you can proceed to fill in the full application form where you will be asked to fill in more information.

merrick bank 2x application


FREQUENTLY ASKED QUESTIONS

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Can I use Merrick Bank for cash advances?

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Can I use Merrick Bank for cash advances?

Yes, you can at ATM machines.

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How can I pay my bill?

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How can I pay my bill?

You can pay online, via your mobile app, mail, and even via Moneygram and Western Union.

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Does Merrick Bank report to all three credit bureaus?

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Does Merrick Bank report to all three credit bureaus?

Yes, they report to Equifax, Experian and TransUnion.

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What are the most common reasons for having pre-approval or application declined?

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What are the most common reasons for having pre-approval or application declined?

To increase your odds of approval for Merrick Bank, you should have a credit score of at least 620, have been paying on-time for a year and preferably have only a couple of hard inquiries during the last 6 months (no recent app spree).



Contact Information

Customer Service Inquiry

Merrick Bank
Customer Service
P.O. Box 9201
Old Bethpage, NY 11804-9001
Phone: 1-800-204-5936
TTY/TDD: 1-800-253-4563

For Making Payments

Phone: 1-800-204-5936
TTY/TDD: 1-800-253-4563

Check or Money Order Address

Merrick Bank
P.O. Box 660702
Dallas, TX 75266-0702

For overnight mailings, send directly to:

Merrick Bank
Attn: Lockbox Operations #660702
2701 East Grauwyler Road, BLDG 1
Irving, TX 75061



Источник: https://www.askmrcreditcard.com/merrick-bank/double-your-line/

Want to make your Merrick Bank credit card payment or looking to login to view your statement or manage your account online? Below, we take a thorough look at the credit cards on offer. The guide also delves into the payment options, benefits, fees, interest rates and APRs, helping you choose which credit card is best for you. To make a payment online or manage your account, follow the link provided below on this page to the Merrick Bank credit card login. You will also find useful bill pay information such as the credit card customer service number, payment mailing address, and billing phone number below.

Merrick Bank Credit Card Payment Options

Merrick Bank credit cards are issued by Merrick Bank. There are many different ways to pay your credit card. We recommend using the Merrick Bank online account management system. For any assistance with online access you can contact customer services at 1-800-253-2322.

Pay Online: With the online banking service you have all the features you need to take control of your card. Your current balance, recent expenditures, available credit and next payment due date can be monitored, and you can make fast single payments or establish automatic monthly payments. With AutoPay you can ensure that you never miss your bill payments. To make your Merrick Bank credit card payment online click the “Pay Online” button below to login, register, view your statement or manage your account online.

Pay by Phone: The Merrick Bank credit card payment phone number is 1-800-253-2322.

Pay by Mail: The Merrick Bank credit card payment mailing address is: Merrick Bank, Payment Processing Center, PO Box 660702, Dallas, TX 75266-0702. Please include your Merrick Bank account number on your check. Your account number is located on your statement. To ensure your Merrick Bank payment is received on time it is recommended that you mail your payment at least 5 business days prior to the due date shown on your monthly billing statement.

Pay in Store: Yes. You can pay your Merrick Bank credit card in a local branch.

Merrick Bank Credit Card Customer Service: The Merrick Bank credit card customer service number is 1-800-253-2322.

Merrick Bank Credit Card Payment

Merrick Bank offers the Secured VISA credit card. Cardholders can take advantage of low interest rates and APRs.

Interest Rates and Terms

The Merrick Bank Secured VISA credit card has an annual percentage rate (APR) of 17.45% for purchases. The APR for cash advances is 22.45%.

An annual fee of $36 is levied for the first year, after that it is $3 per month. Minimum interest charged is $1 and the payment period is 25 days after the close of the last billing cycle. Late fee and returned payment are up to $35 each.

Merrick Bank

Founded in 1997, Merrick Bank is a top-25 issuer of Visa cards. Merrick Bank has $1 billion in assets and serves over 900,000 cardholders.

Merrick Bank also provides finance options to Marine and RV Dealers and perseveres to be honest in all its interactions.

With the Merrick Bank credit card, cardholders can profit from low APRs, interest rates and more.

Visit Merrick Bank
Categories Bank Credit Cards, Credit Card Payment OnlineИсточник: https://creditcardpayment.net/merrick-bank-credit-card-payment/

Merrick Bank Seeks $16M for Hacking

PHOENIX (CN) - Merrick Bank claims it lost $16 million after hackers compromised as many as 40 million credit card accounts. The bank clams that Savvis, an information technology firm, erroneously assured it that the bank's processor, CardSystems Solutions, complied with Visa and Mastercard's security regulations.

Merrick Bank, an acquiring bank for 125,000 merchants, entered into an agreement with CardSystems Solutions to perform processor and independent sales organization services for the bank if it met Visa and MasterCard's security regulations, according to the bank's federal complaint.

CardSystems, if approved, would act to "solicit merchants to contract with acquiring banks ... and provide maintenance and servicing to such merchants," giving it access to all of the bank's cardholder account information.

CarsSystems asked Savvis, a professional service firm, to assess and certify its compliance with credit card security regulations, so CardSystems could work for Merrick. Savvis found that CardSystems had enough security processes in place to meet regulations, so Merrick hired it, according to the complaint.

Less than a year after Merrick hired CardSystems, the processors' computer systems were hacked into, causing millions of credit card account numbers to be compromised. The hackers were able to access the information because CardSystems kept unencrypted card information on its servers, violating security regulations for which Savvis had certified it, the bank says.

The security breach cost Merrick $16 million in payments to banks that were affected by the breach, and payments to Visa and MasterCard for using a processor that did not follow their security rules, and in legal fees, according to the complaint.

Merrick Bank is represented by Joseph P. Whyte with Heyl, Royster & Voelker of Edwardsville, Ill.

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Источник: https://www.courthousenews.com/merrick-bank-seeks-16m-for-hacking/

Credit Card Details

  • Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
  • Bank: Merrick Bank

  • Card Network: Visa®

  • User Category: Consumer

  • Card Type: Unsecured

  • Issuing Country: United States

your benefits

Key Feature

Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies. No security deposit required.

CREDIT LINE INCREASE

Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

Interest Rates & Fees

Regular APR:

19.45% - 28.45% *Variable

Balance Transfer Fee:

N/A

Regular APR:

24.95% - 33.45% Variable

Cash Advance Fee:

4%, Min: $10

Foreign Transaction Fee

See Terms*

Late Payment Fee

Up to $40

Expert's Ratings

4.0Interest Rates
4.0Maintenance Fees
5.0Features & Benefits
0.0Reward Program
5.0Customer Service
Still not sure?

Ask our experts and get free advice to your email!

ASK QUESTION
Источник: https://www.credit-land.com/details/merrick-bank-double-your-line-platinum-visa-credit-card.php

Increase Approval Odds For, Merrick Bank Credit Card

Merrick Bank Credit Card is a great Credit Card if you have fair credit (or above). Their APR is quite high (above 20%). If you're looking to apply, we recommend at least a 630 credit score. If you're not sure what your Credit Score is, apply for a report, here.

Get Your Free Consultation (Before Applying To Merrick Bank Credit Card)!

If you applied (and got denied), your score may not be high enough to get approved. If your credit score is preventing you from qualifying for this card, we strongly recommend signing up for a fast, free consultation. One of our friendly Credit Repair specialists can help you determine if you can boost your score (and fix your credit), so you can get approved!

Credit Glory is a credit repair company that helps everyday, hard-working Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items (from their credit report). We empower consumers with the opportunity and knowledge to reach their financial dreams in 2020, and beyond!

Источник: https://www.creditglory.com/credit-cards/merrick-bank-credit-card

Contact Merrick Bank Corporate

Logo of Merrick Bank Corporate Offices

Merrick Bank Customer Service

Rated 2.13 of 5 Stars
Based on 8 Complaints

+ Add Review

Toll free phone number: 1-800-204-5936


Merrick Bank www.merrickbank.com is a credit card issuer that primarily exists to help customers establish and rebuild their credit rating. They are located in Utah, specialize in recreational loans and have over 1 million credit card holders.  They are FDIC insured and listed with the Better Business Bureau.

If you have a problem with your account or service at you may call 801-545-6600. You may also call toll free at 1-800-204-5936. If you would like to contact the, Chief Operational Officer, David Herzfeld, you may address a postal correspondence to him at either Merrick Bank Corporation, P.O. Box 5000, Draper, Utah 84020-5000 or 10705 South Jordan Gateway, #200, South Jordan, Utah 84095. Merrick Bank Customer Service address is P.O. Box 9201, Old Bethpage, NY 11804-9001.

Merrick Bank was founded in 1997 and has social presence on YouTube and LinkedIn.  


Experienced poor service? File a complaint here!

Browse reviews of other Banks



Top Merrick Bank Complaints

Browse more than 8 reviews submitted so far

PATRICIA H.  AND CHRISTOPHER M. CURCIJA Merrick Bank review

PATRICIA H. AND CHRISTOPHER M. CURCIJA

May 07, 2019

TO: MERRICK BANK. This is to advise my family and I are victims of identity theft by Sebastian Moving Co. of Orlando, FL During the move and in our absence, its moving staff broke into our office and financial files, stole and used our credit cards and check books .This crime was immediately reported to the Volusia County Sherriff, Sanford Florida Police Dept., the Seminole County Sheriff, Merrick, Chase and Friends Banks, and others. I requested immediate closure of all of our accounts and copies of all transactions.

Payments on my account were made not knowing of the theft until recently. I called Merrick Bank several times requesting faxed copies of our 2015 to 2019 statements. However, I was advised I would have to pay Merrick Bank for faxed or mailed copies which is outrageous and extremely poor customer service, particularly when there is an ongoing serious reported robbery involved. We are crime victims and require proof of every transaction on the account and are requesting copies of all statements be faxed to me at 407-688-3003 or emailed to [email protected]

I have never received a thorough breakdown from Merrick Bank identifying all charges dates and amounts. If you have a problem identifying what charges are mine vs.an identity thief, you should compare my signature on each charge to prove forgery as my signature is unique and difficult to reproduce.

This is to confirm that I just received your April 2, 2019 bill indicating a new balance of $1,114.58, my current balance exceeds my credit limit and requesting payment .This should have been a red flag of an urgent account based on my payment history.

Your immediate attention and resolution to these extremely serious identity theft issues is appreciated.

Thank You, Patricia H. and Christopher M. Curcija

Robin Merrick Bank review

Robin from Modesto, CA

Jan 19, 2019

I was offered this card after I already had two other cards. I did not find the $92 courtesy that was attached in the offer. I was offered to have the $92 given back to me, if I pay the full amount in full (which at that point I couldn't.

I could've received other offers where I would've not been charge this fee, but by the time I found it out it was too late.

I have since closed the account out, and I regret ever having done anything with his 'Bank.' Unless you're desperate to get credit, do unless you're desperate to get credit, don't have anything to do with this card.

Olga Jager  Merrick Bank review

Olga Jager from Oakland, CA

Nov 15, 2018

I want a paperless Statement of my account

Marie WilliamsMai have  Merrick Bank review

Marie WilliamsMai have from Omaha, NE

Oct 04, 2018

I have paid my payments with money orders, the last 2 payments have been cut in half and returned to me! Calling several times asking for explanation, once, it was the mail, another my money orders are to thick! Asked for mangers to talk to, but passed from supervisor to supervisor, manager was busy, they would call back, never did!!! 2 money orders returned cut in half. Now i had to replace and receive late charges. Plus the business i purchased orders with will not keep replacing, because i showed what happed and they see they are cut in half for no reason! I have paid with money orders for over 2 years. I pay other companies also. NEVER has this crazy thing happen ever!!! I can not use any other paymemt method! I will keep reporting and sharing until i get help. I find customer service can not help, no assistance only asking what ypu going to pay. Just as well have a recording and let those people go!!

Pauline Henderson Merrick Bank review

Pauline Henderson from Chicago, IL

Jul 20, 2018

Account#1045
I was in identy thrift I call years a go and told some one I never open up this account I was denied. and I'm not paying 4 something I did not do. I was not happy with the fraud rep I want to re do this case.

Mehrun S Bhojani Merrick Bank review

Mehrun S Bhojani from San Antonio, TX

Jan 26, 2018

I sent a letter to your Office in N.Y. state requesting to reduce APR on my Credit Card and waive monthly fee $4.00 but I not receive any sort of response. However, I urge your good offices to reduce APR by 50% and waive monthly fee so I continues paying much more each month. I hope hear from you favourable so I make payment each month more than $100.00. I hope to have better cooperation from Merrick Bsnk. Thanks in advance with warm regards. Mehrun S. Bhojani My Address : 919 El Paisaje, San Antonio. Texas 78258-2900.. Credit Card AC # 4529 1210 0320 6305

 Merrick Bank review

from Grapevine, TX

Feb 09, 2016

No complaints so far, good banking experience.

 Merrick Bank review

I have been associated with Merrick Bank for quite some time now and I am totally happy with their services. They keep me posted about my payments with timely alerts and calls. A reliable bank which doesn't hide any charges. I have never had a problem with them. As I never defaulted, Merrick Bank keep increasing my credit limit which is worth the overall experience of having a credit card. This help me build up my credit score and my score jumped up 20 points. I get my bills on time which doesn't keep me waiting like other bank does. Higly recommended to anyone looking for a credit card or loans. Best Bank that I have every come across.

Robin customer service review

Robin from Modesto, CA

Jan 19, 2019

I was offered this card after I already had two other cards. I did not find the $92 courtesy that was attached in the offer. I was offered to have the $92 given back to me, if I pay the full amount in full (which at that point I couldn't.

I could've received other offers where I would've not been charge this fee, but by the time I found it out it was too late.

I have since closed the account out, and I regret ever having done anything with his 'Bank.' Unless you're desperate to get credit, do unless you're desperate to get credit, don't have anything to do with this card.

Olga Jager  customer service review

Olga Jager from Oakland, CA

Nov 15, 2018

I want a paperless Statement of my account

Marie WilliamsMai have  customer service review

Marie WilliamsMai have from Omaha, NE

Oct 04, 2018

I have paid my payments with money orders, the last 2 payments have been cut in half and returned to me! Calling several times asking for explanation, once, it was the mail, another my money orders are to thick! Asked for mangers to talk to, but passed from supervisor to supervisor, manager was busy, they would call back, never did!!! 2 money orders returned cut in half. Now i had to replace and receive late charges. Plus the business i purchased orders with will not keep replacing, because i showed what happed and they see they are cut in half for no reason! I have paid with money orders for over 2 years. I pay other companies also. NEVER has this crazy thing happen ever!!! I can not use any other paymemt method! I will keep reporting and sharing until i get help. I find customer service can not help, no assistance only asking what ypu going to pay. Just as well have a recording and let those people go!!

Pauline Henderson customer service review

Pauline Henderson from Chicago, IL

Jul 20, 2018

Account#1045
I was in identy thrift I call years a go and told some one I never open up this account I was denied. and I'm not paying 4 something I did not do. I was not happy with the fraud rep I want to re do this case.

Mehrun S Bhojani customer service review

Mehrun S Bhojani from San Antonio, TX

Jan 26, 2018

I sent a letter to your Office in N.Y. state requesting to reduce APR on my Credit Card and waive monthly fee $4.00 but I not receive any sort of response. However, I urge your good offices to reduce APR by 50% and waive monthly fee so I continues paying much more each month. I hope hear from you favourable so I make payment each month more than $100.00. I hope to have better cooperation from Merrick Bsnk. Thanks in advance with warm regards. Mehrun S. Bhojani My Address : 919 El Paisaje, San Antonio. Texas 78258-2900.. Credit Card AC # 4529 1210 0320 6305

 customer service review

from Grapevine, TX

Feb 09, 2016

No complaints so far, good banking experience.

 customer service review

I have been associated with Merrick Bank for quite some time now and I am totally happy with their services. They keep me posted about my payments with timely alerts and calls. A reliable bank which doesn't hide any charges. I have never had a problem with them. As I never defaulted, Merrick Bank keep increasing my credit limit which is worth the overall experience of having a credit card. This help me build up my credit score and my score jumped up 20 points. I get my bills on time which doesn't keep me waiting like other bank does. Higly recommended to anyone looking for a credit card or loans. Best Bank that I have every come across.

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Источник: https://www.hissingkitty.com/complaints-department/merrick-bank

Merrick Bank is relatively new having only been founded in 1997. However, this FDIC insured institution has grown quite quickly and is in the top 20 in terms of number of VISA cards issued in the country. The bank also issues MasterCard cards.

For people who deal in RVs, horse trailers and boats for consumers, the bank can also help in the facilitation of financing options.

At the moment, Merrick Bank has 2.4 million cardholders in the U.S. to whom it has currently loaned more than $2.5 billion.

The bank also has special credit programs for people who are looking to improve their credit scores.

Merrick Bank Headquarters

The corporate headquarters of Merrick Bank are currently listed as 10705 South Jordan Gateway, Suite 200. They are located in South Jordan, Utah. This is also the banks only branch since they don’t provide other retail banking services.

The building in which the headquarters are located is a 2 story that was completed in 2000. The building stands on 6.96 acres of land.

Merrick Bank Services

Merrick Bank currently has three main areas of specialization:

  • Credit card issuing
  • Recreation loans
  • Merchant Services

Issuing of credit cards is the banks specialty. It can offer both classic Visa and MasterCard credit cards and it can also offer Secured Visa cards. Secured Visa cards are targeted at people who are looking to improve their credit history.

The bank is also a major player in the provision of loans for the purchase of boats and recreational vehicles for customers who’ve had issues with their credit in the past.

The bank has now taken it a step further and are now lending to people with a history of credit issues who want to purchase horse trailers.

Customers with a questionable credit history can turn to Merrick Bank because they consider:

  • Customers with credit scores that go as low as 550
  • Customers who’ve filed for bankruptcy
  • Customers with a history of Charge offs, collections and judgments

For the dealers, some of the benefits of working with Merrick Bank include:

  • A participation fee
  • No fees for participating
  • Very good terms plus an advance
  • Quick funding
  • There will be no recourse for the dealer if a customer defaults

The bank’s merchant services are used to enable quick transaction for businesses. The bank provides various options from different sources. This makes it easy for the business owner to work with different payment options.

The banks merchant services come with several key advantages including:

  • Dynamic Currency Conversion
  • Next-day funding
  • Daily reconciliation
  • Electronic Funds Transfer
  • Online tools etc.

Financial Education

The bank has a financial education center on its website. The aim of this center is to assist adults to know more about their finances, enable them to handle their finances more confidently and better utilize the resources provided by banks.

The financial education starts with the very basics of personal finances before moving on to loans. People are also taught how to use credit cards correctly and how they can build a good credit history for their financial future.

Merrick Bank Headquarters Address

10705 South Jordan Gateway, Suite 200, South Jordan, UT 84095

Merrick Bank headquarters address

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Источник: https://ccbank.us/headquarters/merrick-bank/

Contact Merrick Bank Corporate

Logo of Merrick Bank Corporate Offices

Merrick Bank Customer Service

Rated 2.13 of 5 Stars
Based on 8 Complaints

+ Add Review

Toll free phone number: 1-800-204-5936


Merrick Bank www.merrickbank.com is a credit card issuer that primarily exists to help customers establish and rebuild their credit rating. They are located in Utah, specialize in recreational loans and have over 1 million credit card holders.  They are FDIC insured and listed with the Better Business Bureau.

If you have a problem with your account or service at you may call 801-545-6600. You may also call toll free at 1-800-204-5936. If you would like to contact the, Chief Operational Officer, David Herzfeld, you may address a postal correspondence to him at either Merrick Bank Corporation, P.O. Box 5000, Draper, Utah 84020-5000 or 10705 South Jordan Gateway, #200, South Jordan, Utah 84095. Merrick Bank Customer Service address is P.O. Box 9201, Old Bethpage, NY 11804-9001.

Merrick Bank was founded in 1997 and has social presence on YouTube and LinkedIn.  


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Top Merrick Bank Complaints

Browse more than 8 reviews submitted so far

PATRICIA H. AND CHRISTOPHER M. CURCIJA Merrick Bank review

PATRICIA H. AND CHRISTOPHER M. CURCIJA

May 07, 2019

TO: MERRICK BANK. This is to advise my family and I are victims of identity theft by Sebastian Moving Co. of Orlando, FL During the move and in our absence, its moving staff broke into our office and financial files, stole and used our credit cards and check books .This crime was immediately reported to the Volusia County Sherriff, Sanford Florida Police Dept., the Seminole County Sheriff, Merrick, Chase and Friends Banks, and others. I requested immediate closure of all of our accounts and copies of all transactions.

Payments on my account were made not knowing of the theft until recently. I called Merrick Bank several times requesting faxed copies of our my m&ms to 2019 statements. However, I was advised I would have to pay Merrick Bank for faxed or mailed copies which is outrageous and extremely poor customer service, particularly when there is an ongoing serious reported robbery involved. We are crime victims and require proof of every transaction on the account and are requesting copies of all statements be faxed to me at 407-688-3003 or emailed to [email protected]

I have never received a thorough breakdown from Merrick Bank identifying all charges dates and amounts. If you have a problem identifying what charges are mine vs.an identity thief, you should compare my signature on each charge to prove forgery as my signature is unique and difficult to reproduce.

This is to confirm that I just received your April 2, 2019 bill indicating a new balance of $1,114.58, my current balance exceeds my credit limit and requesting payment .This should have been a red flag of hdfc saving account interest rate urgent account based on my payment history.

Your immediate attention and resolution to these extremely serious identity theft issues is appreciated.

Thank You, Patricia H. and Christopher M. Curcija

Robin Merrick Bank review

Robin from Modesto, CA

Jan 19, 2019

I was offered this card after I already had two other cards. I did not find the $92 courtesy that was attached in the offer. I was offered to have the $92 given back to me, if I pay the full amount in full (which at that point I couldn't.

I could've received other offers where I would've not been charge this fee, but by the time I found it out it was too late.

I have since closed the account out, and I regret ever having done anything with his 'Bank.' Unless you're desperate to get credit, do unless you're desperate to get credit, don't have anything to do with this card.

Olga Jager Merrick Bank review

Olga Jager from Oakland, CA

Nov 15, 2018

I want a paperless Statement of my account

Marie WilliamsMai have Merrick Bank review

Marie WilliamsMai have from Omaha, NE

Oct 04, 2018

I have paid my payments with money orders, the last 2 payments have been cut in half and returned to me! Calling several times asking for explanation, once, it was the mail, another my money orders are to thick! Asked for mangers to talk to, but passed from supervisor to supervisor, manager was busy, they would call back, never did!!! 2 money orders returned cut in half. Now i had to replace and receive late charges. Plus the business i purchased orders with will not keep replacing, because i showed what happed and they see they are cut in half for no reason! I have paid with money orders for over 2 years. I pay other companies also. NEVER has this crazy thing happen ever!!! I can not use any other paymemt method! I will keep reporting and sharing until i get help. I find customer service can not help, no assistance only asking what ypu going to pay. Just as well have a recording and let those people go!!

Pauline Henderson Merrick Bank review

Pauline Henderson from Chicago, IL

Jul 20, 2018

Account#1045
I was in identy thrift I call years a go and told some one I never open up this account I was denied. and I'm not paying 4 something I did not do. I was not happy with the fraud rep I want to re do this case.

Mehrun S Bhojani Merrick Bank review

Mehrun S Bhojani from San Antonio, TX

Jan 26, merrick bank credit card number sent a letter to your Office in N.Y. state requesting to reduce APR on my Credit Card and waive monthly fee $4.00 but I not receive any sort of response. However, I urge your good offices to reduce APR by 50% and waive monthly fee so I continues paying much more each month. I hope hear from you favourable so I make payment each month more than $100.00. I hope to have better cooperation from Merrick Bsnk. Thanks in advance with warm regards. Mehrun S. Bhojani My Address : 919 El Paisaje, San Antonio. Texas 78258-2900. Credit Card AC # 4529 1210 0320 6305

 Merrick Bank review

from Grapevine, TX

Feb 09, 2016

No complaints so far, good banking experience.

 Merrick Bank review

I have been associated with Merrick Bank for quite some time air fryer oven walmart and I am totally happy with their services. They keep me posted about my payments with timely alerts and calls. A reliable bank which doesn't hide any charges. I have never had a problem with them. As I never defaulted, Merrick Bank keep increasing my credit limit which is worth the overall experience of having a credit card. This help me build up my credit score and my score jumped up 20 points. I get my bills on time which doesn't keep me waiting like other bank does. Higly recommended to anyone looking for a credit card or loans. Best Bank that I have every come across.

Robin customer service review

Robin from Modesto, CA

Jan 19, 2019

I was offered this card after I already had two other cards. I did not find the $92 courtesy that was attached in the offer. I was offered to have the $92 given back to me, if I pay the full amount in full (which at that point I couldn't.

I could've received other offers where I would've not been charge this fee, but by the time I found it out it was too late.

I have since closed the account out, and I regret ever having done anything with his 'Bank.' Unless you're desperate to get credit, do unless you're desperate to get credit, don't have anything to do with this card.

Olga Jager customer service review

Olga Jager from Oakland, CA

Nov 15, 2018

I want a paperless Statement of my account

Marie WilliamsMai have customer service review

Marie WilliamsMai have from Omaha, NE

Oct 04, 2018

I have paid my payments with money orders, the last 2 payments have been cut in half and returned to me! Calling several times asking for explanation, once, it was the mail, another my money orders are to thick! Asked for mangers to talk to, but passed from supervisor to supervisor, manager was busy, they would call back, never did!!! 2 money orders returned cut in half. Now i had to replace and receive late charges. Plus the business i purchased orders with will not keep replacing, because i showed what happed and they see they are cut in half for no reason! I have paid with money orders for over 2 years. I pay other companies also. NEVER has this crazy thing happen ever!!! I can not use any other paymemt method! I will keep reporting and sharing until i get help. I find customer service can not help, no assistance only asking what ypu going to pay. Just as well have a recording and air fryer oven walmart those people go!!

Pauline Henderson customer service review

Pauline Henderson from Chicago, IL

Jul 20, 2018

Account#1045
I was in identy thrift I call years a go and told some one I never open up this account I was denied. and I'm not paying 4 something I did not do. I was not happy with the fraud rep I want to re do this case.

Mehrun S Bhojani customer service review

Mehrun S Bhojani from San Antonio, TX

Jan 26, 2018

I sent a letter to your Office in N.Y. state requesting to reduce APR on my Credit Card and waive monthly fee $4.00 but I not receive any sort of response. However, I urge your good offices to reduce APR by 50% and waive monthly fee so I continues paying much more each month. I hope hear from you favourable so I make payment each month more than $100.00. I hope to have better cooperation from Merrick Bsnk. Thanks in advance with warm regards. Mehrun S. Bhojani My Address : 919 El Paisaje, San Antonio. Texas 78258-2900. Credit Card AC # 4529 1210 0320 6305

 customer service review

from Grapevine, TX

Feb 09, 2016

No complaints so far, good banking experience.

 customer service review

I have been associated with Merrick Bank for quite some time now and I am totally happy with their services. They keep me posted about my payments with timely alerts and calls. A reliable bank which doesn't hide any charges. I have never had a problem with them. As I never defaulted, Merrick Bank keep increasing my credit limit which is worth the overall experience of having a credit card. This help me build up my credit score and my score jumped up 20 points. I get my bills on time which doesn't keep me waiting like other bank does. Higly recommended to anyone looking for a credit card or loans. Best Bank that I have every come across.

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Источник: https://www.hissingkitty.com/complaints-department/merrick-bank

Credit Card Details

  • Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

your benefits

Key Feature

Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies. No security deposit required.

CREDIT LINE INCREASE

Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

Interest Rates pilot grove savings bank phone number Fees

Regular APR:

19.45% - 28.45% *Variable

Balance Transfer Fee:

N/A

Cash Advance Fee:

what is the phone number for xfinity 4%, Min: $10

Foreign Transaction Fee

See Terms*

Late Payment Fee state bank of india near me branch merrick bank credit card number

Up to $40

Expert's Ratings

4.0Interest Rates
4.0Maintenance Fees
5.0Features & Benefits
0.0Reward Program
5.0Customer Service
Still not sure?

Ask our experts and get free advice to your email!

ASK QUESTION
Источник: https://www.credit-land.com/details/merrick-bank-double-your-line-platinum-visa-credit-card.php

Merrick Bank is relatively new having only been founded in 1997. However, this FDIC insured institution has grown quite how many countries make up central america and is in the top 20 in terms of number of VISA cards issued in the country. The bank also issues MasterCard cards.

For people who deal in RVs, horse trailers and boats for consumers, the bank can also help in the facilitation of financing options.

At the moment, Merrick Bank has 2.4 million cardholders in the U.S. to whom it has currently loaned more than $2.5 billion.

The bank also has special credit programs for people who are looking to improve their credit scores.

Merrick Bank Headquarters

The corporate headquarters of Merrick Bank are currently listed as 10705 South Jordan Gateway, Suite 200. They are located in South Jordan, Utah. This is also the banks only branch since they don’t provide other retail banking services.

The building in which the headquarters are located is a 2 story that was completed in 2000. The building stands on 6.96 acres of land.

Merrick Bank Services

Merrick Bank currently has three main areas of specialization:

  • Credit card issuing
  • Recreation loans
  • Merchant Services

Issuing of credit cards is the banks specialty. It can offer both classic Visa and MasterCard credit cards and it can also offer Secured Visa cards. Secured Visa cards are targeted at people who are looking to improve their credit history.

The bank is also a major player in the provision of loans for the purchase of boats and recreational vehicles for customers who’ve had issues with their credit in the past.

The bank has now taken it a step further and are now lending to people with a history of credit issues who want to purchase horse trailers.

Customers with a questionable credit history can turn to Merrick Bank because they consider:

  • Customers with credit scores that go as low as 550
  • Customers who’ve filed for bankruptcy
  • Customers with a history of Charge offs, collections and judgments

For the dealers, some of the benefits of working with Merrick Bank include:

  • A participation fee
  • No fees for participating
  • Very good terms plus an advance
  • Quick funding
  • There will be no recourse for the dealer if a customer defaults

The bank’s merchant services are used to enable quick transaction for businesses. The bank provides various panorama book 1st grade from different sources. This makes it easy for the business owner to work with different payment options.

The banks merchant services come with several key advantages including:

Financial Education

The bank has a financial education center on its website. The aim of this center is to assist adults to know more about their finances, enable them to handle their finances more confidently and better utilize the resources provided by banks.

The financial education starts with the very basics of personal finances before moving on to loans. People are also taught how to use credit cards correctly and how they can build a good credit history for their financial future.

Merrick Bank Headquarters Address

10705 South Jordan Gateway, Suite 200, South Jordan, UT 84095

Merrick Bank headquarters address

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Источник: https://ccbank.us/headquarters/merrick-bank/

Contact Merrick Bank Customer Service

Merrick Bank Phone Numbers and Emails

Customer Service:

  • (866) 638-6851

    Certificates Of Deposit

  • (516) 576-8618

    Personal Loans (Direct)

  • (833) 842-7900

    Personal Loans, Make a payment

  • (888) 545-5777

    RV, Boat, & Horse Trailer Loans

Accounting/ Billing:

  • (800) 253-4563

    TTY/TDD: Billing disputes, questions about your account, make a payment

  • (800) 204-5936

Legal:

  • (800) 328-9155

    Privacy Inquiries

Merrick Bank Emails:

Accessibility

General Info

More phone numbers and emailsLess phone numbers and emails

Merrick Bank Contact Information

Corporate Office Address:

Merrick Bank

P.O. Box 5000

Draper,Utah84020-5000

United States

Other Info (opening hours):

Credit Department:

Merrick Bank

P.O. Box 1442

Draper, UT 84020-1442

Make a payment:

USPS Mail

P.O. Box 660702

Dallas, TX 75266-0702

Customer service:

Merrick Bank

P.O. Box 9201

Old Bethpage, NY 11804-9001

Edit Business Info

Merrick Bank Rating Based on 175 Reviews

Rating details

Product or Service Quality

Rating Details

Product or Service Quality

Discounts and Special Offers

Diversity of Products or Services

Close

All 336 Merrick Bank reviews

Summary of Merrick Bank Customer Service Calls

963 TOTAL
CALLS

03:32 AVG CALL
DURATION

36% ISSUES
RESOLVED

Top Reasons of Customers Calls

Consumers Call the Most From

Why Do People Call Merrick Bank Customer Service?

Payments and Charges Question:

  • “Make a payment”
  • merrick bank credit card number “Make payment on card lost” paychex customer service
  • “Payment”

Cards Question:

Account Question:

  • “To get my account”
  • “My account is not allowing me to make a online purchase”
  • “Check balance”

Request for Information Question:

Shipping and Delivery Question:

  • “Didn't receive my payment oline. I paid my payment of $70 on September 23rd, 2021 online and I received an E-mail saying you did not get it, although the money was taken out of my LFCU acct. This should not go against me as being late or effect score”
  • “Did not receive card”
  • merrick bank credit card number “I have not received my credit my credit card.”

Product/ Service Question:

Employment Question:

Activation/ Cancellation Question:

Website/ Application Question:

  • “They wanted more information within 10 of filling my application” jose cuervo tradicional anejo
  • “Application 2 inquireys” merrick bank credit card number
  • “Application error”

Return/ Replace Question:

Other Question:

  • “Online”
  • merrick bank credit card number “Change my address”
  • “Settlement”

About

Merrick Bank Terms of Service

The Merrick Bank Corporation ("Merrick Bank") website and mobile app are offered to The Client conditioned upon The User's acceptance without modification of the terms, conditions, and notices contained herein. The Client's use of the Merrick Bank website or mobile app constitutes The User's agreement to all such terms, conditions, and notices. Merrick Bank reserves the right to change the terms, conditions, and notices under which its website and mobile app are offered. The Customer are responsible for regularly reviewing these terms and conditions. Unless otherwise specified, the Merrick Bank website and mobile app are for The User's personal and non-commercial use. The Client may not link to, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Merrick Bank website or mobile app.

To read more: https://merrickbank.com/Terms-and-Conditions

Merrick Bank Privacy Policy

To read more: https://merrickbank.com/Privacy-Notices

Merrick Bank FAQ

To read more: https://merrickbank.com/Resources/Account-FAQs

Top Merrick Bank Services

Customer Care, Banking Service, Payment Processing Service

Top Merrick Bank Products

Credit Card, Account, Website

Merrick Bank Pros and Cons

Pros: Credit increase after 7 payments, Customer service, Excellent customer service, Ending account, Was easy to get a credit card from them

Cons: Unwilling to work with customers, Customer service attutudes, Customer service attitudes, Penalty for making payment before the due date, I am dissapointed and highly suspicious

Summary

Merrick Bank was founded in 1997. The bank is considered to be one of a top 25 Visa cards issuers. The bank provides a number of different financial services and products. Merrick Bank offers card products: Visa cards, MasterCards, card management, recreation lending, financing, benefit programs, and so much more. The clients of Merrick Bank can access their accounts twenty four hours a day, seven days a week using Cardholder Center of Merrick Bank. The bank offers such services as phone scam alert, identity theft protection, debt-to-incomes rations, etc.

Merrick Bank offers financial education as well: Borrowing Basics, Loan to Own, Money Matters and other courses. fidelity bank and trust anamosa iowa

Merrick Bank reviews and complaints

Merrick Bank is ranked 111 out of 778 in Banks category

Payment Methods

VISAMasterCard

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Companies are selected automatically by the algorithm. A company's rating is calculated using a mathematical algorithm that evaluates the information in your profile. The algorithm parameters are: user's rating, number of merrick bank credit card number issues, number of company's responses etc. The algorithm is subject to change in future.

Источник: https://merrick-bank.pissedconsumer.com/customer-service.html

Increase Approval Odds For, Merrick Bank Credit Card

Merrick Bank Credit Card is a great Credit Card if you have fair credit (or above). Their APR is quite high (above 20%). If you're looking to apply, we recommend at least a 630 credit score. If you're not sure what your Cta holiday train schedule Score is, apply for a report, here.

Get Your Free Consultation (Before Applying To Merrick Bank Credit Card)!

If you applied (and got denied), your score may not be high enough to get approved. If your credit score is preventing you from qualifying for this card, we strongly recommend signing up for a fast, free consultation. One of our friendly Credit Repair specialists can help you determine if you can boost your score (and fix your credit), so you can get approved!

Credit Glory is a credit repair company that helps everyday, hard-working Americans remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items (from their credit report). We empower consumers with the opportunity and knowledge to reach their financial dreams in 2020, and beyond!

Источник: https://www.creditglory.com/credit-cards/merrick-bank-credit-card

Merrick Bank Double Your LineTM Platinum Visa® Credit Card
REVIEW

Merrick Bank Doubles Your Credit Line After 7 Months

The Merrick Bank Double Your Line Visa Credit Card is a unique credit card that will double your credit limit if you pay on time for 7 months. The starting credit limit ranges from $500 to $1,350. After 7 months of on-time payments, your credit limit will double to between $1,000 to $2,700. No other card offers such a guarantee in terms of increasing credit limit. As we shall soon find out, it is also very competitive in terms of fees and features. Your approval odds for the Merrick Bank Double Your Line Visa is best if your credit score is in the upper end of the bad credit range (ie from 600 to 650) and if you have been paying on-time on your other credit obligations for the last year. It is also one of the rare credit cards that allows you to pay via electronic payment systems like Western Union or Moneygram.
 

Card Details

Annual Fee $0-$72
One-time Application Fee N.A.
Monthly Fee N.A.
Regular APR 19.45% - 28.45%*Variable
Cash Advance APR 24.95% - 33.45%*Variable
Late Payment Fee Up to $40
Starting Credit Limit $500 - $1350
Credit Line Increase After 7 consecutive time payments, credit line doubles to $1,000-$2,700
Free Credit Score FICO score by either TransUnion or Experian from goscore


The table above shows the main features of this card. The annual fee will range between $0 and $72 and there is also no monthly maintenance fees that are common with other cards. That means you could possibly be approved for a no annual fee card.

Another interesting aspect of this card is that you can get a Free FICO score from TransUnion or Share price of first bank nigeria plc from goscore.

Most importantly, if you pay 7 consecutive timely payments on just your minimum payment, your credit line will double from your initial credit limit. Furthermore, after the initial doubling of credit line, Merrick Bank also has a track record of further increasing your credit limits.
 

Card Annual Fee Upfront Fee Monthly Fee APR Free Credit Score Credit Line Increase
Merrick Bank $$0-$72 N.A. N.A. 19.45% -28.45%*Variable FICO Score Yes - after 7 consecutive timely payments
First Digital $75 1st Year
Then $48
$96 $6.50 35.99 N.A. Yes - not guaranteed
Total Visa $75 1st Year
Then $48
$89 $0 1st Year
$6.25/m
34.99% N.A. Yes - not guaranteed
Surge Mastercard $135 1st Year
Then $96
N.A. $10/m 29.90% Yes Yes - not guaranteed
Credit One Bank $0-$99 N.A. N.A. 19.49% to 25.49% Yes Yes - not guaranteed
Indigo Mastercard $0 to $99 N.A. N.A. 24.90% N.A. N.A.


As you can see from the table above, the Merrick Bank card compares very well with the better cards in the bad credit garden state community bank routing number in terms of features and features. It's annual fee of between $0 and $72 is very competitive with cards like Credit One, Indigo (whose annual fee ranges from $0 to $99). Like these cards, Merrick Bank also does not charge any monthly maintenance fees and one-time application fees. So from a fee perspective, Merrick bank is very competitive.

Another nice feature they offer card members is that everyone will get access to their FICO score for free. This is better than some cards like Credit One, which offers a free credit score but is not a FICO score (rather it is the Experian Vantage Score). The FICO score is provided by goscore and uses the FICO 8 score by either TransUnion or Experian.

However, the best feature of this card is that after 7 months of paying your minimum on time, your credit limit will automatically double. This is a great feature because when you have bad credit, your starting credit limit on a credit card tends to be very low ($300 to $500). Increasing your credit line could potentially help your credit utilization ratio. Some cards like Indigo and Milestone do not increase your credit line at all. And while other cards like Credit One Bank and Surge Mastercard do, only Merrick Bank guarantees it if you meet their critieria.
 

Pros and Cons

pros

  • Reasonable Annual Fee - Your annual fee for this card will range between $0 and $72. This is very reasonable compared to other cards who are targeting those of you with bad credit.

  • No Monthly Fee or One-time Application Fee - Unlike many other credit cards targeting those with poor credit, this card does not charge any monthly fee (on top of an annual fee). Nor does it charge any one-time application fee.

  • Good Initial Credit Limit - New card members will get an initial starting credit limit of between $500 and $1350. That is higher than a typical unsecured credit card targeting those with bad credit, which normally gives you a starting limit of between $300 and $500.

  • Double Your Limit After 7 Months of On-Time Payment - One of the truly unique feature of this card is that if you pay your minimum payment on time for 7 months, your credit line will automatically double. For example, if your starting credit limit is $1,000, then it will double to $2,000.

  • Free FICO Score - As a card member, you can get your FICO score for free every month. This is a great feature that more subprime credit cards are offering these days and Merrick Bank is one of them. The score is provided by a service called goscore and uses FICO 8 scores from either TransUnion or Experian.

  • No Penalty Rates or Over the Limit Fees - This card does not have penalty rates or over-the-limit fees

  • Pre-qualify First - No Hard Pull - Before you can apply for the card, Merrick Bank requires that you go through a pre-qualification process. It will not result in a hard pull. If you pre-qualify, only then will you be able to apply for the card.

  • Can use Moneygram or Western Union to pay bills - Merrick Bank is one of the rare firms that allows cardholders to pay via electronic payment systems like Moneygram and Western Union. That means that those off you without a checking account or debit card can still apply and pay for this card.

Cons

  • High Interest Rates - The Sams credit synchrony bank on this card is not the lowest. We always recommend that everyone pays their bills in full so that the interest on the card does not matter.



Our Take

The Merrick Bank Double Your Line Visa Credit Card is one of the best credit cards for those of you with bad to fair credit. It charges a very reasonable annual fee that ranges between $0 and $72. There is also no monthly maintenance fee or one-time application fee. That means in theory, you could get this credit card for no annual fee. From a fee perspective, they are competitive with cards like Credit One Bank and Indigo Mastercard.

Another nice feature they have is that you can get your FICO score every month for free. Some cards like Credit One and cards from Continental Finance like Reflex Mastercard also offer free credit score. But this one offers an actual FICO score and not just a Vantage score.

But the best feature of this card is that if you pay your bills (at least minimum payment) on time for 7 months, your credit limit will be doubled. As a recap, the initial starting credit limit ranges between $500 and $1,350. That means after 7 months of timely payments, your credit limit will increase to between $1,000 and $2,700. While some cards will increase your credit limit after a while, this card explicitly guarantees that if you meet their criteria. Furthermore, Merrick Bank has a track record of further increasing your credit limit after the initial doubling of free money for opening bank account credit line after 7 months.

Merrick Bank is also one of the rare cards that allow you to pay via electronic payment systems like Western Union and Moneygram. That means that those of you without a checking account or debit card can still apply and use this card.

Merrick Bank is for those of you with a FICO score of at least 620 and above (ie, you fall on the "upper end" of the bad credit spectrum). They also require that you have at least one year of on-time payments on your other credit obligations and not have too many hard inquiries recently. If your credit score is at least 620 and you meet the other criteria, then this is the credit card that I would recommend.

How to apply?

Before you apply for the Merrick Bank Double Your Line Visa, you first have to get pre-approved. The pre-approval process involves a soft inquiry and has no impact on your credit score. Below is a screenshot of the pre=approval application page. You only need to fill in basic information and your social security number (for the soft inquiry on your credit report). If you are pre-approved, then you can proceed to fill in the full application form where you will be asked to fill in more information.

merrick bank 2x application


FREQUENTLY ASKED QUESTIONS

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Can I use Merrick Bank for cash advances?

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Can I use Merrick Bank for cash advances?

Yes, you can at ATM machines.

plus sign

How can I pay my bill?

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How can I pay my bill?

You can pay online, via your mobile app, mail, and even via Moneygram and Western Union.

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Does Merrick Bank report to all three credit bureaus?

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Does Merrick Bank report to all three credit bureaus?

Yes, they report to Equifax, Experian and TransUnion.

plus sign

What are the most common reasons for having pre-approval or application declined?

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What are the most common reasons for having pre-approval or application declined?

To increase your odds of approval for Merrick Bank, you should have a credit score of at least 620, have been paying on-time for a year and preferably have only a couple of hard inquiries during the last 6 months (no recent app spree).



Contact Information

Customer Service Inquiry

Merrick Bank
Customer Service
P.O. Box 9201
Old Bethpage, NY 11804-9001
Phone: 1-800-204-5936
TTY/TDD: 1-800-253-4563

For Making Payments

Phone: 1-800-204-5936
TTY/TDD: 1-800-253-4563

Check or Money Order Address

Merrick Bank
P.O. Box 660702
Dallas, TX 75266-0702

For overnight mailings, send directly to:

Merrick Bank
Attn: Lockbox Operations #660702
2701 East Grauwyler Road, BLDG 1
Irving, TX 75061



Источник: https://www.askmrcreditcard.com/merrick-bank/double-your-line/
merrick bank credit card number

Comments

  1. The first question from Mary was the kicker and it was definitely the answer I’m looking for. Thank you for this info 👍

  2. Word based on their choice of child care center they live in or near Stuyvesant Town which is NOT CHEAP. I moved to NJ the second I left my parents because I knew better. And even if I didn’t I damn well wouldn’t be having 3 kids lol.

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