Chip Lupo, Credit Card Writer
Merrick Bank has pre-approval, but it only extends pre-approved offers via mail or e-mail, or to existing customers through their online account. Merrick Bank does not have an online tool that interested consumers can use to check their pre-approval status. And unlike online pre-approvals that may return results for multiple cards with the highest odds of approval, Merrick Bank’s mailed or e-mailed pre-approval offers will be for one specific credit card.
If you wish to respond to a Merrick Bank pre-approved offer received by mail or e-mail, visit the website listed in your offer and enter the enclosed invitation code. This allows Merrick Bank to flag the application as pre-approved.
Merrick Bank pre-approval doesn’t guarantee that you’ll be approved for a card, but it does indicate that your chances of getting approved are very high if you apply. Pre-approvals do not affect your credit score, as they’re done using a soft “pull,” or inquiry. But if you decide to apply for the card, Merrick Bank will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.
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