Merrick Bank Credit Card Offers
If you have a question about an existing Merrick Bank credit card account, the Merrick Bank customer service phone number is (800) 204-5936. Below, you can compare the latest offers as well as read Merrick Bank credit card reviews.
Merrick Bank Credit Cards with Great Reviews
To learn more, check out WalletHub’s full Merrick Bank credit card review.

Secured Card
Min Deposit of $200
One-Time Fees
$0
17.7% (V)
annual fee
$36 1st yr, $0 after
monthly fee
$0 1st yr, $3 after
Bad Credit
Pros
- Qualify with bad credit
Cons
- Membership fees
- No rewards
- No rewards bonus
- High Regular APR
Additional Info
- Upon approval, you'll have a credit line from $200 to $3,000 - it's up to you.
- Your performance is reported to the three major credit bureaus. You can reestablish and build your credit with your performance.
- Online management tools. You can manage your account online for free.
- Your security deposit funds are FDIC Insured.
- Based on an initial credit limit of $200, the initial available credit will be about $164 (based on a $36 annual fee) or about $152 dollars if you also choose to have an additional card.
- See More Details & Reviews About Merrick Bank Classic Secured Visa Card

Secured Card
Min Deposit of $200
One-Time Fees
$0
17.70% (V)
annual fee
$36 1st yr, $0 after
monthly fee
$0 1st yr, $3 after
Bad Credit
Pros
- Qualify with bad credit
Cons
- Membership fees
- No rewards
- No rewards bonus
- High Regular APR
Additional Info
- Your $200 credit line will be increased by $200 if you make at least your minimum payment by the payment due date each month for the first 7 months your account is open.
- Your performance is reported to the three major credit bureaus. You can reestablish and build your credit with your performance.
- Online management tools. You can manage your account online for free.
- Your security deposit funds are FDIC Insured.
- Based on an initial credit limit of $200, the initial available credit will be about $164 (based on a $36 annual fee) or about $152 dollars if you also choose to have an additional card.
- See More Details & Reviews About Merrick Bank Double Your Line® Secured Visa Card

One-Time Fees
$0 - $75
19.70% - 29.95% (V)
annual fee
$0 - $72 1st yr, $0 after
monthly fee
$0 1st yr, $0 - $6 after
Bad Credit
Pros
- Qualify with limited or no credit history
- Does not require security deposit
Cons
- Membership fees
- No rewards
- No rewards bonus
- No intro APR on purchases
Additional Info
- Double Your Line™ - During the first 7 months your account is open, all you need to do is use your card and make at least your minimum payment on time every month. After that, your double credit line increase is automatic.
- Activity on your account is reported to all three major credit bureaus. Consistent reports of a positive payment history can help improve your credit rating.
- Initial Credit Lines $550 to $1,200.
- Exclusive Platinum Visa Benefits.
- See More Details & Reviews About Merrick Bank Platinum Visa
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Merrick Bank Credit Cards FAQ
Get answers to your questions about Merrick Bank Credit Cards Reviews below. For more general questions, visit our Answers section.
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Is Merrick Bank a legitimate credit card company?
Yes, Merrick Bank is a legitimate credit card company that issues real credit cards. It is a top 20 VISA credit card issuer with nearly three million customers, specializing in helping customers build, or rebuild their credit.
All Merrick Bank credit cards benefit from zero liability protection, so you won't be held responsible for unauthorized charges made with your card or account information.
The Merrick Bank Classic Secured Visa Card (their most popular offering) is a good way to start building or rebuilding your credit, as it is open to applicants with Bad credit. It does have an annual fee ($36 1st yr, $0 after), which gets replaced by a monthly fee ($0 1st yr, $3 after) on your first account anniversary, but it only requires a minimum refundable security deposit of $200. Your deposit acts as your credit line and you can add to it whenever you like, up to the maximum amount allowed.
You can also check out other secured credit card offers, as well as find some additional tips on how to improve your credit and monitor your credit score for free, right here on WalletHub.
What is the highest credit limit for Merrick Bank?
The highest credit limit for Merrick Bank is $3,000, for the Merrick Bank Secured Card. The actual credit limit for this card is determined by the amount a cardholder puts down for the card's required security deposit, which starts at $200.
Merrick Bank does not disclose its highest credit limit for the unsecured Merrick Bank Platinum Visa. The card does set an initial credit limit ranging from $550 to $1,200 upon approval, though. The information on your application will determine where within the range your exact credit limit will be.
Fortunately, the initial credit limit you receive with the Merrick Bank Platinum Visa may only be for the short-term, thanks to the card's “Double Your Line” feature. After you use the Merrick Bank Platinum Visa and pay at least the minimum amount due on time for the first seven months you have the card, you'll be eligible for the double credit line increase.
What credit cards are under Merrick Bank?
There are three credit cards under Merrick Bank: the Merrick Bank Platinum Visa Card, the Merrick Bank Classic Secured Visa Card, and the Merrick Bank Double Your Line® Secured Visa Card. All of Merrick Bank's credit card offers are aimed at people with damaged credit who may be looking to rebuild their credit score.
Credit Cards Under Merrick Bank
Card |
Annual Fee |
Monthly Fee |
APR |
Minimum Credit Limit |
$0 - $72 1st yr, $0 after |
$0 1st yr, $0 - $6 after |
19.70% - 29.95% (V) |
$550 |
|
$36 1st yr, $0 after |
$0 1st yr, $3 after |
17.7% (V) |
$200 |
|
$36 1st yr, $0 after |
$0 1st yr, $3 after |
17.70% (V) |
$200 |
Merrick Bank credit cards can be helpful to people who have made credit mistakes in the past. For more options, you can also check out WalletHub's 2022 picks for the best credit cards for bad credit.
How do I get a Merrick Bank credit card limit increase?
You can get a Merrick Bank credit card limit increase by using your card and paying the bill on time for the first seven months you have one of Merrick Bank's unsecured credit cards. Your credit limit will automatically be doubled.
After that, Merrick Bank will review your account each year to decide if it's fit for an increase. You can improve your chances of qualifying for one by always paying your bills in full by their due date. A higher income and credit score than when you were approved for the card couldn't hurt either.
Alternatively, if you have a Merrick Bank secured card, you can increase your credit limit by calling (800) 204-5936 and adding to your security deposit.
How can I pay my Merrick Bank credit card?
The easiest way you can pay your Merrick Bank credit card is online, either through the Cardholder Center, or by using the goMobile app. Alternatively you can make a credit card payment by phone at (800) 204-5936, via mail or through a money services.
Here's how you can pay your Merrick Bank credit card:
- Online: You can make a credit card payment online, by logging in to your Cardholder Center account.
- Mobile app: Merrick Bank credit card payments can also be made through the goMobile app for iOS and Android.
- Phone: You can also make a credit card payment over the phone at (800) 204-5936. You will have the option to either speak with an agent or use the automated system.
- Mail: For a regular mail, the address is:
Merrick Bank
P.O. Box 660702
Dallas, TX 75266-0702
Overnight mail payment
Merrick Bank
Attn: Lockbox Operations #660702
2701 East Grauwyler Road, BLDG 1
Irving, TX 75061 - Money services: Lastly, you can visit your nearby money services counter at retail locations (such as Walmart, Kroger or others). You may use MoneyGram, Western Union or other forms of electronic payments with cash to send your payment.
Keep in mind that paying your credit card via regular mail takes the longest to process of all the available payment methods. So, make sure to always send your payment at least 5-7 days before your due date.
Ultimately, it is also worth noting that you can even set up recurring or one-time payments in the Cardholder Center, if you choose to.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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