I’ve had the merrick bank card for exactly 7 months now and like they promised if i was never late etc for 6 months they would double my credit line. I started with $700.00 and now my limit is $1400.00. I pay twice the month always paying it off ahead of the due date. Last month i did not pay it in full and my interest on the bal of $300 something odd dollars was $14.and some change. I can live with that for sure. I have 2 Capital One cards as well both companies seem to operate about the same except the increases are larger at merrick. I’ve had no problem with customer service on either card. Capital One rewared me with a credit increase after 6 months as well. they increased my line on one card by $250.00 and i didn’t ask for it. The key is you do have to pay on time. Don’t plan on paying once the month, pay alittle whatever you can each paycheck and you can never be late! Oh they did hold my payment for 7 days one time and i didn’t call them about it af first. I read on other sites card companies do that as well. the 2nd time I called and said i will cancel if that continues and they told me the pc does it randomly but if i called they would release it. it happened only once after that and when i called they released the payment while i held on the line. I was also told that only happens during the 1st 6 months. I will see in the future so far so good with Merrick. 2 thumbs up for Cap one as well
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