Merrill+ visa sig

[acb5456]

@B335is, it's feels great doesn't it?! That's the first time I've been asked to name my limit, so that was a pleasant surprise

[Happychap]

I want this card also but waiting for some Inqs to age. Anyone know how inq sensitive they are? I have two boa cards ready with 20k cl perfect history zero balance. Have a crap load of Inqs though. TU fico is 775 utl 4%

[FinStar]

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@Happychap wrote:
I want this card also but waiting for some Inqs to age. Anyone know how inq sensitive they are? I have two boa cards ready with 20k cl perfect history zero balance. Have a crap load of Inqs though. TU fico is 775 utl 4%

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How many inqs? (I guess if you base it off EX and/or TU)  Lots of newly opened accounts?  I'm thinking this could also hinge on your current exposure with them and DTI, more so than inquiries.

[B335is]

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@FinStar wrote:

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@Happychap wrote:
I want this card also but waiting for some Inqs to age. Anyone know how inq sensitive they are? I have two boa cards ready with 20k cl perfect history zero balance. Have a crap load of Inqs though. TU fico is 775 utl 4%

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How many inqs? (I guess if you base it off EX and/or TU)  Lots of newly opened accounts?  I'm thinking this could also hinge on your current exposure with them and DTI, more so than inquiries.

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+1

BoA has been more conservative than Citi or Amex when it comes to approvals with a lot of new accounts in my case.  I've heard 6 inq in the last 6 months is too many for Citi, but am not sure what would the threshold is with BoA/FIA.  They like to pull EX for new apps and TU for CLI in my case.

[efranklin23]

NICE CARD, Enjoy the VIsa Sig. I should consider getting my BoA a Visa Sig. I wanted to know if BofA is going to offer Chip & Pin anytime soon. I've learned from last year that France hates Chip & Signature cards in local towns. 

[baller4life]

Congrats! I want this card some day!! Baby steps.

[acb5456]

Thanks everyone!!

[FinStar]

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@efranklin23 wrote:

NICE CARD, Enjoy the VIsa Sig. I should consider getting my BoA a Visa Sig. I wanted to know if BofA is going to offer Chip & Pin anytime soon. I've learned from last year that France hates Chip & Signature cards in local towns. 

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You can contact BOA to PC your card to a Visa Signature.  From your siggy, it appears the CL is at the adequate $5K level to qualify/PC.  It may take them about 2-4 weeks (give or take) to PC, but it's doable.

[efranklin23]

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@FinStar wrote:

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@efranklin23 wrote:

NICE CARD, Enjoy the VIsa Sig. I should consider getting my BoA a Visa Sig. I wanted to know if BofA is going to offer Chip & Pin anytime soon. I've learned from last year that France hates Chip & Signature cards in local towns. 

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You can contact BOA to PC your card to a Visa Signature.  From your siggy, it appears the CL is at the adequate $5K level to qualify/PC.  It may take them about 2-4 weeks (give or take) to PC, but it's doable.

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TYVM. and yea it was an recent CLI I got from BofA (from 500). I'll call them in the morning about it 

[acb5456]

So I applied yesterday morning and have the card in hand when i got home from work today around 3pm. Now that is some FAST shipping!!! Can't wait to use it tomorrow for mine and my DG's 3 year anniversary! Happy Tuesday everyone!