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Decided to take the dive on this one, not great on rewards but its also no annual fee and nice looking.
BoA Merrill+ Visa Signature
$17,500 SL
15.99%
Applied over the phone and was not instant, but checked status online about 3 hours after and it said approved, but didn't have the limit or APR so called in and was only able to get the SL. No Complaints Here! $50k Points for $3k/90 days
**UPDATE** i do see the CLI button online already, wondering if it's worth a go! And another odd thing, I haven't recieved a HP yet on any report. Not complaining, but it if remains missing then I saved the inquiry, by luck lol
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Congrats, OP! I just got this card on Thursday. Still waiting on it to arrive, but approved with the same welcome bonus -- much lower SL, $5K. BoA already has a lot of exposure for my sub 700 scores. All spend going through that sucker for at least 2 months -- the Welcome Bonus almost can't be beat!
Thanks CMM! my score isnt much higher than yours. EX Fico 756 w/9 inq in last year, and 1 inq in last 6 months..They denied me the last 2 times, but scores were below 720 both times and this was going to be my last try lol 3rd times a charm!
Congratulations OP on the Merrill Approval. I just applied for this last week after my CLI request was approved on my Cash Rewards.Went pending and was approved the next day with $10,000 SL. Like you say not the best rewards card but 50,000 points is hard to pass on. And the points never expire.
Update: Saw the request a credit line increase show up even before activating it so hit the button and received another $7k! Love it!
@credit_endurance wrote:Congratulations OP on the Merrill Approval. I just applied for this last week after my CLI request was approved on my Cash Rewards.Went pending and was approved the next day with $10,000 SL. Like you say not the best rewards card but 50,000 points is hard to pass on. And the points never expire.
Update: Saw the request a credit line increase show up even before activating it so hit the button and received another $7k! Love it!
Did it take from one of your other CC's with BofA by chance? Or was that only one you had? Reason I ask others that had merrill it took from another card when initially approved thus I didn't hit it until it was 3 months old then got my CLI granted it was a HP, but got 3 CLI's w/1 hp across all my bofa card.
Congrats OP on your approval. Nice and solid one. The bonus is hard to beat and nice looking card the rewards are obviously meh as you know. I out a few hundred on it a month just cause i dig the card for whatever reason
@credit_endurance wrote:Congratulations OP on the Merrill Approval. I just applied for this last week after my CLI request was approved on my Cash Rewards.Went pending and was approved the next day with $10,000 SL. Like you say not the best rewards card but 50,000 points is hard to pass on. And the points never expire.
Update: Saw the request a credit line increase show up even before activating it so hit the button and received another $7k! Love it!
Congrats on your CLI!
Congrats on your Merrill+! I enjoy mine, it always seems to get double looks when I use it. BOA is great, enjoy!
@CreditCuriousity wrote:
@credit_endurance wrote:Congratulations OP on the Merrill Approval. I just applied for this last week after my CLI request was approved on my Cash Rewards.Went pending and was approved the next day with $10,000 SL. Like you say not the best rewards card but 50,000 points is hard to pass on. And the points never expire.
Update: Saw the request a credit line increase show up even before activating it so hit the button and received another $7k! Love it!
Did it take from one of your other CC's with BofA by chance? Or was that only one you had? Reason I ask others that had merrill it took from another card when initially approved thus I didn't hit it until it was 3 months old then got my CLI granted it was a HP, but got 3 CLI's w/1 hp across all my bofa card.
Congrats OP on your approval. Nice and solid one. The bonus is hard to beat and nice looking card the rewards are obviously meh as you know. I out a few hundred on it a month just cause i dig the card for whatever reason
@CreditCuriousity since you had mentioned that logged into my account to check if they had pulled CL from my cash rewards and they didn't take a cent. So a standalone increase for the Merrill Lynch. It's going to be interesting to see if I do get the request button to appear in 3 months. For me all totaled 2 credit line increases and 1 new approval with one hp. ( I still see the button as we speak)