Ok. I thought I was done with my app spree after getting approved for the Chase CO Presidential Plus and Citibank Executive AA MC World Elite after being approved for both this past month. With the new business cards as well, my INQ are getting up there so I was going to stop for 6-12 months. Well fate wouldn't let well enough alone. I get notice that MERRIL Lynch is discontinuing their reward program associated with their delayed debit signature visa. With the notice came a preoffer to apply for their ML+ Signature VISA credit card. I said to myself crap, "How can I apply with so many damm inquiries (my scores are in the 705-734 range with no negatives, just 9 inquiries last 6 months). Anyway, I bite the bullet and apply, cause I use my ML account daily and get the proverbial call in for an instant decision. The card is run through BoA and FIA. The credit anaylyst puts me on hold for 2 minutes then comes back saying Congratulations. I am approving your new account with a 55K CL!! Yes 55K! Here's the best part. 1.25% cash back on ALL PURCHASES Plus 1 ML reward point (which are similar to membership rewards for Amex only it's a separate program run through MERRIL Lynch. I almost fell off my chair!!! if anyone has a ML account and deferred debit, you should get a notice about them discontinuing the rewards assoc with the debit card and an offer to apply for the ML+ VISA. I am in shock but on cloud nine. I have officially decided no more cc apps for 12 months (we will see how long that lasts!!)
