Merrill+ 30 Day Message

[Anonymous]

I app’d for the Merrill+ card before they discontinue it. App was taken over the phone and the rep gave me a 30 day message. But asked if I wanted to put any balance transfer information into the system. (I declined). Do you think that would be an approval or denial?

[coldfusion]

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@Anonymous wrote:
I app’d for the Merrill+ card before they discontinue it. App was taken over the phone and the rep gave me a 30 day message. But asked if I wanted to put any balance transfer information into the system. (I declined). Do you think that would be an approval or denial?

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It's pretty common for M+ apps to go into review and be approved, a 30 day message is no guarantee but is a positive sign,  You can check your status online here:

https://secure.bankofamerica.com/apply-credit-cards/public/application-status/

You may see an updated status as soon as noontime the next business day,

[coldfusion]

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@Anonymous wrote:
I app’d for the Merrill+ card before they discontinue it. App was taken over the phone and the rep gave me a 30 day message. But asked if I wanted to put any balance transfer information into the system. (I declined). Do you think that would be an approval or denial?

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Interesting,  I think I just experienced a site glitch, as I edited my first post and now I don't see it.    Apologies if there are 2 replies that come through,

It's pretty common for an M+ application taken over the phone to go into review then approved.  You can go here:

https://secure.bankofamerica.com/apply-credit-cards/public/application-status/

and check on the current status, you may see an update before noontime tomorrow (Monday). 

A 30 day notice is no guarantee but it's a good sign.  Good luck!

[Gmood1]

The Merrill is always a manual review. Give it a couple of days.

[BronzeTrader]

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@Gmood1 wrote:
The Merrill is always a manual review. Give it a couple of days.

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Not sure about that.  It is a phone application.  Last time, I got approved after moving some of my credit from another card and approved right away.

[Gmood1]

Bronze trader you have connections. I was referring to the average consumer's experience. Lol
You did already have an account with them.. correct? You are the first person I've seen get a instant approval. Most of us had to wait a day or two for the approval.

[Anonymous]

Btw they did confirm on the phone that the card is being discontinued soon.

[BronzeTrader]

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@Gmood1 wrote:
Bronze trader you have connections. I was referring to the average consumer's experience. Lol
You did already have an account with them.. correct? You are the first person I've seen get a instant approval. Most of us had to wait a day or two for the approval.

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As a matter of fact, our first Merrill+ was approved in 11/2016, online instant approval.  Our second card was approved in 6/2017, instant over phone.  Yes, we are long time BA customers. 

[credit_is_crack]

Few get instant approval and most get 30 day review. When I applied about a month ago it went to review but was updated in the status link about 3 hours later to Approved. I applied on a Sunday as well like you did. Results might already be there. I had to call in to get the SL and had to wait for the physical card to get APR...good luck!!!

[Anonymous]

no Merrill+ for me after recon. Not enough time with new accounts.