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Over the Past 60 Days!
Foreign Transaction Fee See Terms*
Cash Advance Fee 4%, Min: $10
Annual Fee $0 - $72
$0 Fraud Liability No
Auto Rental Insurance No
Extended Warranty Program No
Roadside Assistance No
Purchase Protection No
Travel Assistance No
Flight Accident Insurance No
Lost Luggage Reimbursement No
Concierge Service No
If you want to improve your credit history, this card offers the opportunity to double your credit line if you make on-time minimum payments for the first seven months your account is open. You won’t have to call to ask, the credit line increase is automatic. Find out quickly if you are pre-qualified for this card without impacting your credit score. Other benefits include the ability to track progress in your credit building efforts with free access to your monthly FICO® Score updates and no penalty rates or over limit fees.
If you are motivated to improve your credit, this card could be a path to a significantly higher credit limit in seven months.
The opportunity to double your credit line in seven months creates potential to develop a better credit utilization ratio. That is an important factor for your credit score. Credit utilization is the amount of your available credit tied up in debt. If you have a $1,000 credit limit, experts recommend aiming to keep your balance at 30% of that limit or $300 or below.
Examine your offer for fees. Weigh the costs of any annual and set-up fees against the opportunity to double your credit limit in seven months.
Editorial Note: This content is not provided by Merrick Bank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Merrick Bank.