topic Questions on Merrill + in Credit Cards

Questions on Merrill +

Anonymous — Sun, 30 Mar 2014 20:25:55 GMT

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.

Re: Questions on Merrill +

Anonymous — Mon, 31 Mar 2014 01:06:53 GMT

@Anonymous 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.

Re: Questions on Merrill +

budugu — Mon, 31 Mar 2014 01:41:59 GMT

@Anonymous wrote:
@Anonymous 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

Re: Questions on Merrill +

thom02099 — Mon, 31 Mar 2014 03:15:21 GMT

@Anonymous 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.

Re: Questions on Merrill +

Anonymous — Mon, 31 Mar 2014 17:23:56 GMT

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