Anonymous
Other features, terms, or problems: Credit card
Complaint I have been a Mercury credit card customer for approximately six years. During that entire time, I have never received a credit limit increase despite maintaining my account and remaining a loyal customer. One of the reasons I chose Mercury was because its marketing states : We start you off with a high-impact credit line and it can grow from there. Earn credit line increases as you build your credit. Based on this representation, I reasonably expected that responsible account management over time would result in periodic reviews for a credit limit increase. However, after approximately six years as a customer, my credit limit has never increased. In addition, I was surprised when my account began being charged a $150.00 annual fee. Even with this additional cost, I chose to remain a loyal Mercury customer because I believed my long-term relationship with the company would eventually be recognized through account growth and periodic credit limit reviews. Despite paying the annual fee and continuing to maintain my account, I have still never received a credit limit increase. I have also made several attempts to resolve this matter directly with Mercury by contacting customer service representatives regarding my concerns. Unfortunately, no one has been able to provide me with a clear explanation as to why I have never qualified for a credit limit increase or what specific criteria I would need to meet to become eligible. After multiple attempts to obtain an answer, I still have not received a meaningful explanation. I am not simply requesting a higher credit limit. I am requesting a fair and thorough review of my account and an explanation of why I have never qualified for a credit line increase despite approximately six years of loyalty. If there are specific criteria that I have not met, I would appreciate those criteria being clearly explained so I understand what is required to become eligible. I respectfully request that Mercury : * Conduct a manual review of my account for a potential credit limit increase. * Explain the specific reasons my account has never received a credit limit increase after approximately six years. * Clarify whether my account has been considered during automatic credit line reviews and, if so, why no increase has ever been granted. * Explain why I have been unable to obtain a clear answer from customer service despite making multiple inquiries. * increase my credit limit as I am worthy As a long-term customer who has remained with Mercury even after my account became subject to a $150.00 annual fee, I expected the opportunity for my credit line to grow consistent with Mercurys advertised statements. I respectfully request that Mercury provide a meaningful review of my account, reconsider my eligibility for a credit limit increase, and provide a written response addressing each of the concerns outlined above.