Thanks for your concern and advice...whenever i ask for CLI credit analyst told me that it will auto decline you because of old baddies. So, they have to over-ride the system everytime i ask for CLI. When I hit CLI Button on my BOA credit card accounts then after seven days i first get denial letter and then approval letter alwayssss... this has been happening for the last whole year. MY BOA Amex account also started out as a secured card and then to unsecured card and PC to BOA Amex. Another thing credit analyst always say "thank you for your platinum relationship with us".. it means they can see my deposit accounts as well as investment accounts... So, this helps.. But I understand I shouldnt push my luck, you never know what kinda person I meet when i ask for more CLI. But let's see when i get this card 
@scottykhan wrote:Thanks for your concern and advice...whenever i ask for CLI credit analyst told me that it will auto decline you because of old baddies. So, they have to over-ride the system everytime i ask for CLI. When I hit CLI Button on my BOA credit card accounts then after seven days i first get denial letter and then approval letter alwayssss... this has been happening for the last whole year. MY BOA Amex account also started out as a secured card and then to unsecured card and PC to BOA Amex. Another thing credit analyst always say "thank you for your platinum relationship with us".. it means they can see my deposit accounts as well as investment accounts... So, this helps.. But I understand I shouldnt push my luck, you never know what kinda person I meet when i ask for more CLI. But let's see when i get this card
That is nice when you get recognized for what you bring to the table... Especially at such a big company were I feel like sometimes that's hard to find.
In a lot of banks and credit unions you can see everything that the customer has on account. I've worked at 2 credit unions and one bank. In each I started as a teller and moved to loans, and on both sides, I could see all accounts.
I had a customer whose wife had a household account that really didn't have a lot of money in it, but the husband did have a lot of money in HIS accounts and his business accounts, and after one teller placed a hold on a check into her account....it caused a great stink because the Branch manager told the teller she should have read the "inside notes" that said her account was linked to the husbands account, and NO checks on either of his accounts or hers should ever be placed on hold. So, with that being said, most information (if properly noted and READ by the analyst) can be seen. They want to make sure their "prime" customers are treated well, so they'll keep that money on deposit. This guy had in excess of a million dollars in this particular credit union I worked at, because he needed it to be liquid and not tied up in investments as he had multiple businesses that needed immediate cash injections at a moments notice. I got to know him really well...interesting character...I digress
When I worked at the bank, I was flabbergasted by all of the people who had so much money (not in investments) in savings, money markets and cd's - I'm talking multi-millions of dollars.
The reason I applied for this card is because I am travelling outside the coutry for three weeks. So, I was talking to branch manager about foreign transaction fees on my existing BOA credit card accounts, so he gave me suggestion for this Merrill+ card and he did mention about very "good to excellent " credit for this card. But he also mentioned that I had a very strong payment history with the bank so i should be ok. And I dont carry Balances on the accounts at all. My salary is directly depositing in my BOA accounts and hence credit analyst can easily see what's coming in and going out. You guys are right that I'm kinda lucky in a sense with medicore scores and past baddies still showing i'm lucky to have these cards, but I think it's a two way thing.. I'm putting all the money in their accounts and in return I expect something good from them But I will take your advice I'm gonna garden until these baddies fall off next month.. Then I will certainly go for Chase and Citi.