Are you being continuously rejected for a credit card because of your score? With DoubleYourLine, we are here to offer you a best solution!

Having a poor credit score gets you into a never-ending cycle.

You need a good card to improve your credit report but at the same time you need a good score to get your hands on a useful credit card. Most of the times, the only option available to users with average score is that of secured cards.

However, that would additionally burden you with the worry of arranging a security deposit that might be hefty in case of high-end cards. So how do you become a cardholder in this case?

Now Merrick Bank offers credit card that is the perfect solution to the financial issues that you are facing. The best feature here is that it your credit line would automatically get doubled if you maintain good payments pattern for just a couple of months.

In this article, we would talk about how you can apply for Merrick Bank cards, how you can get in touch with bank representatives and why you should consider Merrick Bank when it comes to good credit cards. Without further delay, let’s jumps in!

DoubleYourLine – Quick Overview

You might be wondering if this is the only viable solution you have for good credit cards. There is so much to choose from so should you go for this one? We have a number of reasons why!

First of all, a big advantage of becoming a Merrick Bank cardholder is that it automatically increases your credit line after 7 months. Most of other card lenders make you wait atleast 1 year before considering an increase in the credit limit.

Automatic increase also imply that you would not need to apply for it. There will be no long forms involved! In fact, the bank would inform you itself that your limit has been improved.

Furthermore, it is backed up by a commendable mobile app. The application lets you set in alerts, notifications, and alarms for important payments so you don’t miss out on any bill. You can also choose to get FREE FICO score update as provided by the credit bureaus.

Note! Most cards here offer automatic increase in credit line after responsibly using it for 6 to 7 months. This means you would not have to go through a long application process for increasing your credit limit.

Furthermore, you will always have $0 fraud liability.

In case your credit card is stolen or lost, the bank would not charge you for the unauthorized transactions made on your behalf, Besides the annual fee, there are no hidden charges. The card comes with minimum interest rates, no foreign transaction fee, and no monthly maintenance charges.

Credit Card Options You Have With Merrick Bank

1. Merrick Bank Double Your Line Visa Credit Card


Double Your Line Visa card is available to those with poor to average credit score. If you have received the pre-approved mail offer then it further improves your chances of getting accepted as a cardholder.

Annual Fee

The card charges around $72 of annual fee. You also need to pay $75 additionally when opening the account. As for the annual charges, you can qualify for lower ones depending on your credit worthiness.

Interest Rates

If you are late with payments, you need to pay an interest rate of 27.7% that is variable.


As we have mentioned before, the card is a great choice for people who wish to see some improvement in their credit line over time. The bank automatically increases the credit limit after 7 months of responsible use.

This is a huge perk since most of the other banks require you to go through a long process of filling out forms when applying for credit line increase. Moreover, some charge 20% to 25% fee for this task.


You will be eligible for $0 fraud liability in case the card gets stolen.

How to Apply For Merrick Bank Credit Cards

1. Responding To Mail Offer

Merrick Bank may reach out to you with its pre-approved mail offer. This implies that you are an eligible candidate for a credit card and the bank would like you to look into the card offers that it currently has.

Getting a pre-approved offer increases your chances of being accepted. Therefore, if you were thinking of applying for a credit card, this is great time and chance!

The best part about such offers is that they make the application process short and straightforward. You don’t need to provide full detail on the form since the bank has already run a soft inquiry and knows about your personal data.

Note! When banks go through your credit report with the purpose of sending out mail offer, they carry out soft inquiry which does not harm your credit score in any way!

In order to respond to the mail offer you need to visit the bank at This window would then ask you to provide 3 important pieces of information. This includes Acceptance number, Email ID, and your last name. Once you have entered the data, you can click on “Apply Now.”

In most cases you would get a reply within a week with either a confirmation of your acceptance or the reason for disapproval stated in the email.

Attention! In case you don’t get a response from the bank within 14 working days, you can call and get in contact with their representative. Typically, this means that your information needed further processing before they could reach a decision.

2. Applying Without Mail Offer

Unfortunately, not all eligible candidates receive the mail offer. It is possible that the mail was sent out randomly and did not reach you although you qualify for it.

However, you don’t need to worry. You can always check your pre-qualification by visiting the same page that we have mentioned above. Here you can reach out to the bank yourself and inquire about your credit card offers.

The first thing you need to do is locate the button that states “See if you match a pre-qualified offer from Merrick Bank.”

This would direct you to a new window that will ask you to fill out your name, address, contact details, Email ID, social security number, etc. As soon as you are done, you can click on submit and see if you have any eligible offers. This would not effect your credit score in any way!

3. Contacting The Bank

In case you are facing any issues during the application process or otherwise, remember that the bank is just a call away! You can easily dial their toll-free number 1-800-204-5936 or 1-800-253-4563 to reach a spokesperson.

Additionally, you can also write to the authorities regarding your problem. For posting the following address should be used:

P.O. Box 9201 Old Bethpage, NY 11804-9001.

Is It Safe?

Most customers worry about the authenticity of the bank and its services while applying for credit cards. Since you will be sharing a lot of personal data for the application, it only makes sense that you would want to work with a platform that is completely reliable.

Luckily, Merrick Bank has maintained a very good reputation with its customers.

There have been no reports at all about frauds or mismanagement by the bank. In fact, users online have nothing by positive remarks about the card offered here.

One of them had commented on Credit Karma “This is definitely a card you get when you need to rebuild your credit.

The high APR and annual fees are definitely a con. The system makes it simple to make payments. This is a credit card that helps rebuild your credit score.”

Wrap Up

Although the card comes with a couple of additional charges, & some benefits that you just can’t say no to. On the top of that list is its most evident perk that is the automatic increase in your credit limit after just a few months.

The terms and conditions associated with the cards play an important role in how well you can maintain it and how much it can help you boost your score. You can’t expect to fix it overnight, but responding to good mail offers such as Merrick Bank can surely get you a credit card that proves to be beneficial in the long run.

Once you have the card, the next step is to maintain good payment habits, make sure you don’t cross the credit line, and pay in full whenever possible. Sticking to these tips would enhance your financial standing in front of credit bureaus in no time.

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