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Contributor
Posts: 85
Registered: ‎06-03-2013
0

Merrick Bank CC Double Offer at 7 months question

I opened a Merrick Bank Card in July 2013 and just a few days ago got my 7th month e-statement but the credit limit has stayed at $750 and should now be $1500.  I have not paid any late, haven't missed a payment and always paid well over the minimum so am not sure if I should wait another month or call them.  I am ready to pick up the phone and call but get nervous that they are going to do a hard pull if I call and I can't have that since I am getting ready to apply for a mortgage in March or April. 

Has anyone else had this issue?

thanks

Bre


4/13 CS from TU 599 11/3/13 Current FICO TU: 672, EQ 680
Negs: BK charged-off Jan '09, KS tax lien PAID, but still trying to figure out how to get it removed and 10 IIB accounts
Happiness: Merrick $750  |  Cap One $300  |  USBank $300  |  Victoria's Secret $500  |  The Buckle $250  |  JCrew $250  |  Express $250  |  Cap One $2000(AU)  |  Fingerhut $850 | Kohls (AU) $3000
Goals are 760 to buy a home & to stay in the Garden til 2/14
Frequent Contributor
Posts: 320
Registered: ‎12-20-2013
0

Re: Merrick Bank CC Double Offer at 7 months question

I have the exact same card. I applied in June 2013 and towards the end of January they gave me my 1400 increase (it was 700 before). I'd say just wait a little while longer. Maybe a week or so and you should get it automatically like I did.
EX 673, EQ 686, TU 686


Contributor
Posts: 85
Registered: ‎06-03-2013
0

Re: Merrick Bank CC Double Offer at 7 months question

AWESOME!  Thanks so much.  Glad it worked for you. 


4/13 CS from TU 599 11/3/13 Current FICO TU: 672, EQ 680
Negs: BK charged-off Jan '09, KS tax lien PAID, but still trying to figure out how to get it removed and 10 IIB accounts
Happiness: Merrick $750  |  Cap One $300  |  USBank $300  |  Victoria's Secret $500  |  The Buckle $250  |  JCrew $250  |  Express $250  |  Cap One $2000(AU)  |  Fingerhut $850 | Kohls (AU) $3000
Goals are 760 to buy a home & to stay in the Garden til 2/14
Regular Contributor
Posts: 119
Registered: ‎07-24-2013
0

Re: Merrick Bank CC Double Offer at 7 months question

[ Edited ]

PrettyPeacock wrote:

I opened a Merrick Bank Card in July 2013 and just a few days ago got my 7th month e-statement but the credit limit has stayed at $750 and should now be $1500.  I have not paid any late, haven't missed a payment and always paid well over the minimum so am not sure if I should wait another month or call them.  I am ready to pick up the phone and call but get nervous that they are going to do a hard pull if I call and I can't have that since I am getting ready to apply for a mortgage in March or April. 

Has anyone else had this issue?

thanks

Bre


I got mine about three days after the date hit 7 months. You will get your increase in a few days.

Starting Score: 06/29/13 TU 579; EQ 585; EX 574
Current Score: 07/24/13 TU 645; EQ 668; EX 652
Goal Score: 740
Wells Fargo $700 / Merrick Bank $1000 / Fingerhut $1300 /
Gettington $1000 Walmart $600 HSN/1300 Express/700 Jcrew/1850
Jared $2000 Macys $2500 Bloomingdale $1000 Sony Card $1500
Amazon Store Card $900 Ann Taylor/880 American Airlines/1500 Shell/500 Capital One Quicksilver\ $500 Pier 1 $1500 \ Chase Zappos Visa $2500 Barclays Apple\$1200

Contributor
Posts: 103
Registered: ‎11-28-2013
0

Re: Merrick Bank CC Double Offer at 7 months question

I have had this card for a couple of years. I believe I did get a double increase around 7-8 month mark. This is the only card that seems to give me regular CLI started at low limit and now up to 2k. It is not the best of cards with a high APR but it is the oldest active card in my wallet and it gives me frequent CLI so I will stick with them until my credit scores get to a point that I can get some top notch cards.
In garden as of 04-06-14 to 12/01/14

Starting score EQ MyFico 646 11/29/13 Current 691 EQ MyFico SW 04/03/14
Starting score EX MyFico 657 12/01/13 Current 686 EX MyFico 03/01/14
Starting score TU MyFico 627 12/02/13 Current 696 Barkclay 03/26/14
Moderator
Posts: 5,844
Registered: ‎08-12-2013
0

Re: Merrick Bank CC Double Offer at 7 months question


PrettyPeacock wrote:

I opened a Merrick Bank Card in July 2013 and just a few days ago got my 7th month e-statement but the credit limit has stayed at $750 and should now be $1500.  I have not paid any late, haven't missed a payment and always paid well over the minimum so am not sure if I should wait another month or call them.  I am ready to pick up the phone and call but get nervous that they are going to do a hard pull if I call and I can't have that since I am getting ready to apply for a mortgage in March or April. 

Has anyone else had this issue?

thanks

Bre


IIRC, my terms said something about making 7 on-time payments.  I got mine by my 7th statement, however. 

Start: 619 (Wally, 9/2013) | Current: 740 (Wally, 4/7/15)
AMEX BCE $13500 | Care Credit $10200 | JCP $8000 | Overstock $5500 | Citi DC WMC $5000 | Walmart Store $5000 | Amazon Store $5000 | Cap 1 QS $4750 | AMEX Costco TE $3500 | Macy's AMEX $3500 | Sony Card $3250 | Macy's Special Events $2900 | Macy's Revolving $2500 | CU Visa $2500 | Gold Violin $1750 | VS $1450 | Merrick $1200 | Target $1000 | ~~Gardening Since 3/17/15
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