"Next Day Approval. "
The Merrill+ Visa® Credit Card Review
Written by: william59 on 2008-05-05
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
william59's review: 
I have a Bank of America credit card for a year and half and would like to apply for this card because of the low interest rate for cash advance (can be used as overdraft or emergency). After I've submitted the online application, I didn't get an instant approval but deferred message, so I called the FIA this morning and found out that I was approved for $2,500.
Credit Backgroud: No late payment or any adverse account on the credit profile, Transunion score: 760.
I have a Bank of America credit card for a year and half and would like to apply for this card because of the low interest rate for cash advance (can be used as overdraft or emergency). After I've submitted the online application, I didn't get an instant approval but deferred message, so I called the FIA this morning and found out that I was approved for $2,500.Credit Backgroud: No late payment or any adverse account on the credit profile, Transunion score: 760.
7 Comments
Comment 1 by hjm331
Congrats! 
on 2008-05-05
Havin' a BofA card on your credit report really helps. However, if both of these are FIA cards, then there's a pretty good chance that they approved you because of the good payment history on your BofA card.
on 2008-05-05 Havin' a BofA card on your credit report really helps. However, if both of these are FIA cards, then there's a pretty good chance that they approved you because of the good payment history on your BofA card.
Comment 2 by william59
Re: on 2008-05-05
Thanks. I'm quite sure that my Bank of Americard and this Merrill Lynch Card are both managed by FIA Card Services.
on 2008-05-05 Thanks. I'm quite sure that my Bank of Americard and this Merrill Lynch Card are both managed by FIA Card Services.
Comment 3 by hjm331
RE: William on 2008-05-05
I'm 100 percent sure that BofA cards are managed by FIA but I don't know anything about Merill Lynch cards.
on 2008-05-05 I'm 100 percent sure that BofA cards are managed by FIA but I don't know anything about Merill Lynch cards.
Comment 4 by rockin35
FIA Handles Both on 2008-05-05
I applied for the Merril Lynch card back in April and got approved for 2500. As I called to activate the card, the ML csr told me that "wow" I see you have 2 accounts with us and offered me a balance transfer. She then advised my BofAmerica card was also with FIA just as the Merril Lynch card was as well. Rockin35
on 2008-05-05 I applied for the Merril Lynch card back in April and got approved for 2500. As I called to activate the card, the ML csr told me that "wow" I see you have 2 accounts with us and offered me a balance transfer. She then advised my BofAmerica card was also with FIA just as the Merril Lynch card was as well. Rockin35
Comment 5 by beckettpg8
Forbes Top 5 Presitious Card on 2008-05-16
Approved 10k nice black card w/ ml and bull horns
on 2008-05-16 Approved 10k nice black card w/ ml and bull horns
Comment 6 by william59
Re: Beckettpg8 on 2008-05-17
Congrats! You got a high credit limit, so what is your credit score and HHI?
on 2008-05-17 Congrats! You got a high credit limit, so what is your credit score and HHI?
Comment 7 by beckettpg8
FICO on 2008-06-21
William59
TU May 720 June 725
WA MU allows you to view your TU FICO
on 2008-06-21 William59TU May 720 June 725
WA MU allows you to view your TU FICO
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Disclaimer: This content is not provided by Bank of America®. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Bank of America®. Review content is powered by Finance Globe.
