Questions on Merrill +

[santi16]

Hello guys  

I need some advice on what to do. I have been looking and reading up on the Merrill + credit card and it is becoming very enticing lol.

My scores are EX  735 TU 745 EQ 717 with around 8 % utility.  No baddies or lates with a 2 year history with 5 inquiries on my reports.

What are my chances? And would i be able to persuade them to use the pull from my application for the Fidelity Amex i got earlier this month to avoid the second inquiry from FIA?

Thanks for the advice in advance.

[enharu]

---

@santi16 wrote:

Hello guys  

I need some advice on what to do. I have been looking and reading up on the Merrill + credit card and it is becoming very enticing lol.

My scores are EX  735 TU 745 EQ 717 with around 8 % utility.  No baddies or lates with a 2 year history with 5 inquiries on my reports.

What are my chances? And would i be able to persuade them to use the pull from my application for the Fidelity Amex i got earlier this month to avoid the second inquiry from FIA?

Thanks for the advice in advance.

---

chances are very high. 

it will be a separate inquiry. people are sometimes able to get it done via 1 HP if both apps are done within a 24 hour period.

[budugu]

---

@enharu wrote:

---

@santi16 wrote:

Hello guys  

I need some advice on what to do. I have been looking and reading up on the Merrill + credit card and it is becoming very enticing lol.

My scores are EX  735 TU 745 EQ 717 with around 8 % utility.  No baddies or lates with a 2 year history with 5 inquiries on my reports.

What are my chances? And would i be able to persuade them to use the pull from my application for the Fidelity Amex i got earlier this month to avoid the second inquiry from FIA?

Thanks for the advice in advance.

---

chances are very high. 

it will be a separate inquiry. people are sometimes able to get it done via 1 HP if both apps are done within a 24 hour period.

---

+1 ... it should be pretty easy. it will be another HP

[thom02099]

---

@santi16 wrote:

Hello guys  

I need some advice on what to do. I have been looking and reading up on the Merrill + credit card and it is becoming very enticing lol.

My scores are EX  735 TU 745 EQ 717 with around 8 % utility.  No baddies or lates with a 2 year history with 5 inquiries on my reports.

What are my chances? And would i be able to persuade them to use the pull from my application for the Fidelity Amex i got earlier this month to avoid the second inquiry from FIA?

Thanks for the advice in advance.

---

For what it's worth, when I applied and got my card, the inquiry showed as Bank of America. 

[santi16]

Thanks you all for the very good information. I have decided to hold off on applying for the card as it is not something I really need at the moment.

I will hold off from applying for it for at least six months so i can age my inquiries and newer TLs.

Thanks again