Oh Merrick...

[shorrttyycm1]

Anyone have any luck requesting a cli on merrick cards? I have one of the old hooters cards and the thing is just stuck at a low cl for last 2 years. My scores have all increased substantially and all of my other lines are @ 5k or above (xcpt orchard). I tried calling csr who r so rude and was told they don't do customer initiated cli requests but that my account is reviewed monthly. When i pulled my reports recently from annualcreditreport.com i only see a soft every two or sometimes every 3 months??

[webhopper]

If it has an annual fee... just close it..

Otherwise, sock drawer and lower your expectations...  Hooter's card will never be the Hilton surpass card

[shorrttyycm1]

Yes it does have an annual fee but i keep it anyway...call me crazy its almost sentimental :-) Believe me I'm under no delusions regarding this cards lack of potential. Still, it would be nice to see it grow a lil. I've read posts from back in the day where merrick gave the highest limits. Just wondering if anyone has had any luck recently.

[beachbum33]

No luck requesting but after a year it went up $200 then 4months afterwards another $200, I let you know in 2 months if they raise it again. 

[dodgerslv]

I myself have a Merrick Bank visa and have only gotten a CL(200) once since opeining account back in May 2012. They actually sent me a letter back in Nov warning me that they may close my account if i keep opening new accounts. My Discover, Walmart and Dillards had reported in August so i guess thats what they were talking about. They auto CLI a month later. I dont think this card will grow with me but i like the fact that they provide with a free monthly bankcard-enhanced TU Fico score if you sign up for paperless statements. That is the only reason i havent closed it.

[shorrttyycm1]

I have never had a cli and i have had the card 2 years 3 months

[dodgerslv]

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@shorrttyycm1 wrote:
I have never had a cli and i have had the card 2 years 3 months

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sign up for paperless statement and you can see a monthly TU Fico score that they provide and is the same score they use for Account Review. Otherwise if you really dont have much use for it then just sock-drawer or close it.

[PCMedic]

Got mine (Merrick Visa) in Oct 2011 with an 1100 CL. have gotten regular increases every few months. The last one just a few weeks ago. I am not at 3100 CL.  Seems each tim I PIF or make a large payment within a few weeks I see a CLI.

[shorrttyycm1]

+1 Love that u get a free score but it never updates at the same time each month? It actually shows me having a higher score than myfico. Too bad it isn't my real score :-(

[dodgerslv]

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@shorrttyycm1 wrote:
+1 Love that u get a free score but it never updates at the same time each month? It actually shows me having a higher score than myfico. Too bad it isn't my real score :-(

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It is a true score because it is part of the FICO family. Im sure thats the score they use for account reviews and approvals. It is know as a "bankcard-enhance" FICO score. Im sure not too many lenders use this scoring model but it is a real score (Not FAKO).