Rating: 4 Stars
Bottom Line:
Luxury Travel Perks
TABLE OF CONTENTS
Card Details
| Regular APR: | Once you fill out the pre-qualification, you will receive an offer with details |
| Intro APR (Purchases): | Once you fill out the pre-qualification, you will receive an offer with details |
| Intro APR (Balance transfers): | Once you fill out the pre-qualification, you will receive an offer with details |
| Rewards Rate: | None |
| Credit Needed: | (300 – 669) Bad |
| Annual Fee: | Once you fill out the pre-qualification, you will receive an offer with details |
| Card Brand: | Visa |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- See if you are Pre-Qualified in less than 60 seconds without harming your credit score
- Double Your Line by making your minimum payments on time each month for 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 by the credit bureau
- $0 Fraud Liability protects you from unauthorized charges
- Online and Mobile Account Access
- No Penalty Rates or Over Limit Fee
Is Merrick Bank Double Your Line Visa worth it?
Merrick Bank Double Your Line Visa is a solid card for people looking to build credit. Pre-qualification doesn’t require a hard pull on your credit. After making the minimum payments on time each month for 7 months that your account is open you’ll automatically double your line of credit. There may be a fee for opening the account, and there may be an annual fee the first year followed by a monthly fee the second year, but this is normal for an unsecured credit card available to people with bad credit and fees may be waived depending on what they estimate your creditworthiness to be.
Pros
- Pre-qualification doesn’t require a hard pull on your credit
- Build your credit
- No annual fee
- Monthly reporting to all 3 major credit bureaus
Cons
- High fees depending on what they estimate your creditworthiness to be
- You can fill out the form on Merrick Bank’s website to see if you match a pre-qualified offer, but you are not guaranteed to receive an offer for this card
Why 4 Stars?
Regular APR
4 Stars
Intro APR
4 Stars
Fees
4 Stars
Perks
4 Stars
Overall
4 Stars
Fees
| Foreign Transaction Fee | Once you fill out the pre-qualification, you will receive an offer with details |
| Balance Transfer Fee | Once you fill out the pre-qualification, you will receive an offer with details |
| Cash Advance Fee | Once you fill out the pre-qualification, you will receive an offer with details |
| Penalty APR | Once you fill out the pre-qualification, you will receive an offer with details |
Benefits
$0 Fraud Liability
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
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