DoubleYourLine – How to Respond to Merrick Bank Credit Card Mail Offer

Already approved for the credit card by the Merrick Bank and received a letter by mail. The letter states the approval for the Secured Visa Credit Card. According to the letter, you need to visit the official site by using the link and provide your application certificate number.

In this article, you will learn about the offers of Merrick Bank DoubleYourLine Credit Cards and the process of working along with the benefits of the card and application procedure. Before applying for the card, you should know about the details of the card. The main point is one should know about the credit card first before applying for it. Read the complete article to go through the details of the card if you are interested in this card.

Review: Our Thoughts On the Merrick Bank Credit Cards

  • Currently, have a look at whether you are pre-approved within a minute without damaging your financial assessment.
  • You can double your credit line by making the base installment in any event on time in the start for the first 7 months to keep your records uncluttered.
  • The expansion is programmed when you make your installments.
  • Update the FICO® Score each month when you deliver it from the credit authority.
  • The Scam obligation shield you with $0 due to unapproved charges which is applicable online as well as on the mobile account.
  • No penalty rates or over-limit fee is being charged to you.

Merrick Bank DoubleYourLine Credit Card Details

The details of the DoubleYourLine card are as follow:

  • None of the Cash Back on Gas is applicable.
  • No Cash Back on Groceries is applicable.
  • None of the Cash Back on other is applicable.
  • The rate of Purchase Introductory APR is not applicable.
  • Up to $75 is the one-time setup expense.
  • The annual fee is up to $96 in the primary year and after that period it is $8 every month.
  • On every extra card, you will be charged up to $12.


You can double your credit line by making the base installment in any event on time in the start for the first 7 months to keep your records uncluttered after opening your account. Let us take an example if you are making your payments on time in the first 7 months and your credit limit is $500 then you might be awarded an increment and your credit limit will be $1000. This will might be lower the usage of credit, which will affect the FICO rating.

What Merrick Bank says about this card

Have a look at whether you are pre-approved within a minute without damaging your financial assessment. After opening your account if you will make your minimum payments on time in the first 7 months then you can doubleYourLine. After you are on-time payments you will get an increase automatically. Update the FICO® Score each month when you deliver it from the credit authority. The Scam obligation shield you with $0 due to unapproved charges, which is applicable online, as well as on the mobile account. No penalty rates or over-limit fee is being charged to you.

Merrick Bank Secured Visa® Card

If you had received your approval on mail then the Merrick Bank Secured Visa® Card is the major card by the Merrick Bank, which you can get. As the secured credit cards are slightly different from the credit cards, so they need a security deposit first. Initially, the credit line of the card you are using will be the same as the total amount, which you had credited which depends on your creditworthiness between $200 and $3000.

Merrick Bank Secured Visa® Card

The annual expenses for the MERRICK BANK SECURED VISA® CARD is $36. The people very less attractive to this card, as there are many other cards, which are not taking any annual fee and are offered to the customers with very low requirements.

Merrick Bank Visa® Card

Among all the other three cards offered by the Merrick Bank, the Merrick Bank Visa® Card is the one, which presents very low offers. The rates and fees details of the Merrick Bank Visa® Card is the same as the DoubleYourLine Visa ® Card without any special benefit, which makes the card costly. This card charges you an initial fee of $171 in between the setup fee and annual fee, which is a large amount and is much times greater than $36, which is the initial fee of the Merrick Bank Secured Visa Card.

Merrick Bank Visa® Card

Customer Reviews & Complaints 

After collecting the complaints and reviews from the customers, some of the reviews below are collected from different sources and forums.

“Last year, in 2018, I received an e-mail notification and a telephone call from the fraud department at Merrick Bank. There were three unauthorized credit card purchases made to my credit card account. The fraud department immediately shut down my account to prevent additional damage. I was fully protected from any liability and my account was fully restored within a short period. Thank you Merrick Bank.”

“Highly recommend this credit card for someone who is starting to build credit or trying to repair a bad situation. I’ve never had any issues, unlike other cards out there (credit one I’m looking at you). They are good about increasing your credit automatically for consist of on-time payments. And I know having a Merrick account helped me get 2 other cards later one. There are no rewards and the annual fee sucks, but so did my credit so it’s worth it in the long run. They do free FICO score check, online/app friendly, and have great customer service reps if you ever have to give them a buzz. Overall, I’m very happy with Merrick Bank and I look forward to being a happy customer for many years.”

“Merrick Bank gave me a legitimate credit card when I was rebuilding my credit and as I proved myself and increased my credit score they increased my credit limit on a regular basis. Their app made tracking my account and making payments easy. Now I qualify for top tier CC’s!”

“I would recommend the periodic credit line increases to be more like my other credit cards accounts in good standing and payment history should be considered for 1,000 increases to build a stronger portfolio.”

“To the glory of God in my Lord and SAVIOUR CHRIST Jesus Merrick Bank has been truly a Godsend. It is all around a game changer for anyone who is committed to rebuilding their credit. God bless in Jesus glorious and wonderful name. Amen.”

“I think Merrick Bank is a great company in which to do business with. My husband and I both have accounts with their credit cards, and are very pleased with their service. I would certainly recommend anyone wanting to get a credit card to give them a try first before other places. We are very pleased with their service!!”

“I am happy to be a Merrick Bank customer and have been for over a year. When I was in college I had more than one credit card and didn’t use them wisely. Now in my 30s I wanted to start rebuilding my credit. Merrick Bank constantly reviews my account, and has increased my credit limit on multiple occasions. This means that a card that started out as a small builder card is now a card I could use in nearly any emergency and know that I’m covered! It’s amazing to have a company willing to build on the customer/bank relationship in such a way! Customer service is also generally polite and incredibly helpful. I would recommend Merrick Bank to anyone.”

“I was at first skeptical about joining Merrick Bank because of the reviews, but I went for it and I love this card. So far, it’s been great and it does what it says, brings up my credit score. I would recommend this card to anyone.”

“I enjoy using my card, but get tired of paying the 3.00 fee per month when I don’t have a balance. Have even considered closing my account because of this. Too many good cards out there to put up with this fee.”

“Customer service dept is great as is the credit card in general, never have a problem with these people. The couple of times I had to call customer service, they were super friendly and helpful. Didn’t charge me anything to replace my cards when I broke them. And when I was off work and missed a payment they didn’t call my phone excessively like the others. Thank you, Merrick, for taking care of your customers!”

“I tell everyone Merrick is great of all the credit cards. I always will stay with Merrick credit card as soon as I am praying to pay off my other credit cards and then am closing them sticking with only my Merrick credit card. Thank You.”

“I have had a Merrick CREDIT CARD account for nearly 18 months. I have found using it as well as making online payments at the web site, reconciling the account, etc., to be a seamless process. I am thankful that Merrick has periodically increased my credit line as I demonstrate responsibility.”

Merrick Bank DoubleYourLine Online Invitation

The Merrick Bank sends the online invitation to the customers so that they can easily use the DoubleYourLine offers. The information you can know from this invitation is as follow:

  • The Annual fee is None.
  • To set up your account there are no charges taken from you.
  • If you exceed your limit you will not have to pay for this.
  • The credit line of $1000 is accepted.
  • There is no fee for over limit.
  • On paying $2000 you can double your line.

There are many other benefits as well in this offer, which you will get to know after receiving the invitation from the Merrick Bank.

How did Merrick Bank get my address?

According to our observation, the method by which the invitations are sent to different people is definitely by mailing them directly. They randomly buy the list of customers and send the invitation to every single person.

  • Method of how to respond to the invitation letter

Two of the methods are mentioned below to respond for the invitation letter.-

  • Visit the site by using the link
  • Complete the pre-approved acceptance form and mail it to the them.

How to respond to DoubleYourLine Mail offer Online

To respond online use the process defined below:

  • Go to the official site of Merrick Bank by using the link Merrick Bank offer.
  • Here you have to enter Acceptance Certificate Number, last name of yours as it is mentioned on the offer letter and your email address.
  • After that click on the Apply Now button in green.
respond to doubleyourline Mail offer Online

Other Method

In case if you have not received the offer letter then you do not need to worry about all you have to do is complete the pre-approved acceptance form and mail it to them. The process is defined below:

  • Go to the official site of Merrick Bank by using the link Merrick Bank offer.
  • Here you have to fill the form by entering your first name, MI, Last name, Address type, Date of birth, Social Security Number (last four digits), Mention have you moved in the last 30 days and your email address.
  • After that click on the button “See if I match”.

Merrick Bank Contact Number

If you have any query related to DoubleYourLine Credit Card or want some help then you can contact them by using the 1-800-204-5936.

Mailing Address

If you want to send your query by mail then you can use the mail address given below:

Merrick Bank Customer Service
P.O. Box 9201 Old Bethpage,
NY 11804-9001


Some of the alternative card are mentioned below have a look on them.

Discover it® Secured

When we compare Merrick Bank cards with other cards then the Discover it® Secured is taking the floor off because of the potential rewards and absence of the annual fee. The cardholders of Discover it® Secured get the 2% cash back opportunity at the restaurants and gas stations on the purchases you make up to $1000 each quarter and 1% cash back on all the other purchases. After the eight months, your account will be reviewed by the Discover and give the transition for the card with no security deposit. Like all the other secured cards, Discover is also available for the people with bad credit or no credit history.

Discover it® Secured
Discover It Secured


  • $200 is the Minimum security deposit.
  • There is no late fee charged to your on your first missed payment.
  • The annual fee is None.

Capital One® Secured Mastercard®

The people who are in favor of the Merrick Bank Credit Cards will better go for the Capital One® Secured Mastercard®, as it is providing a platform for the customers to build their credit with zero annual and setup fee. Moreover, you need to pay $49 as the minimum-security deposit to get a credit line of $200 initially, which is very less as compared to the Merrick Bank Secured Visa® Card. In addition to this, you will get increment in your credit limit after making the first five minimum payments every month. In comparison, the time span of this card is two months less than Merrick Bank Double Your Line™ Visa® Credit Card.



  • $49 is the Minimum security deposit.
  • You will get increment in your credit limit after making the first five minimum payments every month.
  • The annual fee is None.

Frequently Asked Questions

  • Is Merrick Bank a good credit card to have?

No this is not probably the best option to have as the Merrick Bank Double Your Line™ Visa® Credit Card has very high fees. Rather than this card, you should go for the secured card named as Capital One® Secured Mastercard®, $49 is the Minimum security deposit for this card.

  • Does Merrick Bank charge foreign transaction fees?

You deposit must be received by the Merrick Bank within a month after receiving the application. In the first year, the annual fee for this card is $36 and after that, you have to pay $0. 2% is the foreign transaction fee and $38 is the late payment fee.

  • How long does it take for a credit limit increase?

You can apply for the increase in the credit limit online and you will receive the decision instantly. For another increase or decrease in the credit limit, you have to wait for four months and for requesting the decrease in the credit limit, you have to wait for the six months.

  • Does Merrick Bank report authorized users?

By a simple phone call, the Authorized user can be removed from your account. You have to keep in mind that not all the issuers are the same. The Merrick Bank can add anyone as the authorized user but for the account history, you can only report to the spouse’s credit bureau.

  • What is the location of Merrick Bank?

The headquarters of the Merrick Bank’s is located at 10705 S Jordan Gwyn,
Ste 200, South Jordan, Utah 84095 and the primary merchant of the account
division is located in Woodbury, New York. The name of the chief operations officer of Merrick Bank Merchant Services is Lisa Kenney.

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