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Merrick Card - highest limit?

masscredit
Valued Contributor

Merrick Card - highest limit?

Merrick cards usually don't grow have a good history of growing but they can serve their purpose when rebuilding.  If you have one, what is your high limit? 

Message 1 of 15
14 REPLIES 14
dendom02
Valued Contributor

Re: Merrick Card - highest limit?

I have mine now at $2950. They just bumped me up for $200 about 2 months ago. They only do auto CLI.

Message 2 of 15
masscredit
Valued Contributor

Re: Merrick Card - highest limit?

Mine isn't a primary card but I'd like to see the limit increase. It seems like they only give a few hundred at a time. I doubt I'll ever see it at $5K.

Message 3 of 15
Swampy99
Valued Contributor

Re: Merrick Card - highest limit?

$2200 on my elderly moms credit. Started at $1100. No annual or monthly fees.

Fico Scores 11/14/16: EX 735,EQ 713,TU 690

Citi Costco$15,000/BBVA Am Ex $7000/Am Ex BCE $24,000/Macy's Am Ex $6000/ Macy's $6800,LL Bean Visa$3400/Citi DP $4100/Citi DC $4400/Bloom AmEx$7000, Bloom $7300,TotalRewardsVisa $2000 Blispay $7500,Cabelas Visa $7000/Discover $1800/ Quicksilver $4300/ J Crew $6600/Dillard's $1600/Barney's $24,000/Care Credit $5000/Stash Visa $6000 JCP $2300 Hyatt Visa $10,000, Deer Valley CU Visa $3000 and$1000 Sync Home $6500, Wells comm$4700, Saks2000
Message 4 of 15
pinkivy98
New Contributor

Re: Merrick Card - highest limit?

My mom has it and her limit is $6k.

Message 5 of 15
Shooting-For-800
Senior Contributor

Re: Merrick Card - highest limit?

$1800 for me.

 

I have had several Merrick cards over the years and never had any issues with them.

 

No BS payment problems, no fees, no interest, nothing.

 

They seem to be a decent bank for marginal credit.

 

I have also never received a CLI after the first "double CLI" but I only use it for about $10 per month to keep it active.

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2021.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything - Flagship, Synchrony, Evergreen, & Venture



Message 6 of 15
CreditCuriosity
Moderator

Re: Merrick Card - highest limit?

someone on the forum has one at 8000$ or something, but this one was acquired by a bank that merrick bought out and also has a low interest rate of like 8% as well.. Obviously this is the exception to the rule.  Which I could think of forum members name off hand

Message 7 of 15
DaveInAZ
Senior Contributor

Re: Merrick Card - highest limit?

$3100 CL for me, but it's been at that CL for several years. But then I've outgrown it with Cap One, Barclays & Discover rewards cards and only charge under $30/mo in small monthly bills like Netflix to keep it active. No fees, so I'm happy to keep it. Their policy of not allowing customers to ask for anything (can't request a CLI or lower APR) is a bit annoying, but they get to run their business the way they want.

 

EDIT: And this morning I got an email from Merrick: "Holiday savings from your Merrick Bank Visa Credit Card"

 

I'm thinking "Wow, Merrick never offers anything to customers!". So I click - it's offers from VISA, discounts from certain retailers if you use a code & pay with a Visa card. Thanks Merrick! If I use any of the Visa Promos I'll pay with my Quicksilver Signature Visa and also get 1.5% rewards instead of a lump of coal from you. Smiley Frustrated.

Message 8 of 15
ASBinJax
Valued Contributor

Re: Merrick Card - highest limit?

In December, I will have had my Merrick CC for two years.

 

Started with the 550 > 1100 offer, then two CLIs that total 1800 now.

 

I closed my other rebuilding CCs but will keep this one for awhile longer.

 

hth

 

 ETA: I got the 'holiday savings' letter also, read it, and I am disappointed too.

Maybe I will send them an empty envelope to their payment system!  I pay using my bank's online pay system, but still, get THEIR hopes up for nothing!

 

 

 

Accept the Challenges so you can feel the Exhilaration of Victory.
George S. Patton
Message 9 of 15
jfriend33
Senior Contributor

Re: Merrick Card - highest limit?

Guess merrick is still by invitation only. At least their APR isnt 30 percent, nor do they compound interest like credit one, and no AF.


We have a merrick bank card with a $3k limit.  I firmly believe the only reason it got that high was from carrying a balance high utilization.  Their transunion go score is up to 900 so not fico 08s unfortunately. 

EQ 730, TU 730, EX 720. INQs EQ-1, TU-9, EX-7 AAOA 4yrs Util 6% Inspiration: Themanwhocan's Cash Back Charts
Message 10 of 15
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