I woke up one day to receive a Merrick Bank Doubleyourline pre-approved mail offer in my letter box. It highlighted beneficial credit cards, perks of choosing Double Your Line and an Acceptance Certificate Number. The only issue was that I didn’t know what to do with the information!
If you are going through the same procedure, you have come to the right place for help.
In this article, you can find out all about Merrick Bank Doubleyourline credit cards. I have also highlighted the application procedure and what to do in case you have not received the pre-approved mail offer. Got any queries? Go through the FAQs section in the end to see what other customers are mostly talking about.
Merrick Bank DoubleYourLine ™ – In a Nutshell
You must be wondering what Doubleyourline line is. Let me quickly break it down for you.
Merrick Bank sends out online invitations to eligible customers that can be available at www.Doubleyouline.com. This platform hosts a number of offers and other benefits as well.
Please note that the exact terms and conditions associated with an offer are not public. These will be sent to you privately in the letter that you receive.
Luckily, you do not need to pay in order to open the account. The highest credit line that is accepted is $1,000. Moreover, you can double your line by maintaining a good behavior as a credit cardholder for at least 7 months.
Furthermore, Merrick Bank credit cards do not charge penalty rates or over-limit fee. It protects you from fraudulent activities by offers $0 fraud liability in case unauthorized transaction are made via your account.
Lastly, if you are on a mission to improve your credit score, the bank lets you access free FICO score every month to keep a check on your spending habits.
Here is a quick summary of Double Your Line card details:
- An annual fee of $75 is applicable in the first year.
- From the second year, you need to pay a monthly fee of $8.
- $75 is required as a set-up payment initially.
What Are Your Options With Double Your Line
Merrick Bank DoubleYourLine ™ Visa Credit Card
Doubleyourline Visa credit card is an interesting plastic to work with. It lets you double the credit limit after just 7 months of opening the account. All you have to do is make payments on time!
For example, if you start off with a limit of $500 and continue to maintaining all the good habits expected of a cardholder, the bank would automatically double your limit to $1000.
Merrick Bank Secured Visa Card
If you are looking into secured credit card options, this one is a great pick! You can make an initial deposit with an amount of your choice. It must be between $200 to $3,000. This would automatically be considered the credit line that is available for your use.
Merrick Bank Secured Visa card charges an annual fee of $36. This is perhaps one of the major drawbacks because there are many secured credit cards that do not carry any annual fee.
Merrick Bank Visa Card
Merrick Bank Visa card does not come with many perks. Since the rest of fees are the same, this makes it a costly card to maintain. Initially, might have to pay a total fee of $171 taking all the charges into account.
How To Respond To DoubleYourLine ™ Merrick Bank Pre-Approved Mail Offer Online
Pre-approved mail offers are very helpful since they let you complete credit card applications quickly and increase the chances of you becoming a cardholder.
Note! If you have received a pre-approved mail offer, it does not mean that your application would be accepted. Such offer only indicates that the bank thinks you will prove to be a reliable cardholder.
Nonetheless, if you have to apply for a credit card, getting a pre-approved offer can be fruitful. Here’s what you need to do in order to respond to it online.
- Log into the website www.doubleyourline.com.
- Locate the require box and type in Acceptance Certificate Number. This will be printed on the mail that you had received earlier.
- Then enter your last name in the field below.
- Recheck the information and then click on “Apply Now” button.
Is There Another Way?
Yes there is!
You can try your luck with Merrick Bank credit card even if you have not received any pre-approved mail offer. All you have to do is fill a pre-qualification letter and mail it to the bank.
Here’s how this needs to be done:
- Use your web browser to open their official website at www.doubleyourline.com.
- Click on a link that states “Check pre-qualification”.
- On the form that opens, provide your full name, address, date of birth, and social security number. You should also mention if you have moved in the last month.
- Recheck the data that you have provided then click on “See if I Match”.
Submitting this form would immediately let you know if you match any pre-qualified offer. The best part is that this would not even affect your credit score.
Frequently Asked Questions About DoubleYourLine ™
Where is Merrick Bank located?
The primary merchant account for Merrick Bank is located in the New York whereas its headquarters are present in Jordan Gwyn, Ste 200, South Jordan, Utah.
Will Merrick Bank increase my credit limit over time?
Yes. You can request the bank for credit limit increase. However, the decision would depend on your past behavior and the authorities at the bank get the final say. You will be informed of their decision immediately.
Kindly note that once you have requested an increase/decrease in the credit limit, you would have to wait at least 4 to 6 months before making another request.
Does Merrick Bank accept authorized users?
Yes you can call the bank and add a authorized user for your account. The decision can later on be reversed easily as well.
How can I contact Merrick Bank’s customer support service?
The easiest and the quickest way to get in touch with Merrick Bank is to call at 1-800-204-5936. Other than that, you also send in your query vial mail. The posting address is:
Merrick Bank Customer Service P.O. Box 9201 Old Bethpage, NY 11804-9001.
How did Merrick Bank receive my address for sending the mail offer?
Although the methodology is not exactly known, we can say that that banks that send out mail offers randomly get customer’s list and send invites to all worthy candidates.