Posted by William Charles on March 18, 2017
Credit Cards

Published on March 18th, 2017 | by William Charles

203

Merrill+ Still Available Via Phone With Bonus

If you didn’t listen to us earlier and sign up for the Merrill+ card when the bonus was 50,000 points online (it was one of our top credit card offers when available), then you might still have a chance to get the card and the bonus. Reddit user aoechamp applied by phone (866-751-1257) and was told that the offer was 50,000 points after $3,000 in spend (the previous online offer).

They received their bonus, but only 25,000 points instead of 50,000 points. Apparently the offer has changed to require $2,500 in spend for 25,000 points rather than the $3,000 spend required for 50,000 points. Other reddit users that applied recently have also been told that they are enrolled in the 50,000 point bonus.

I suspect if you apply by phone and are told that you’ll receive 50,000 points you’d be able to get that offer by making a complaint. As always, whenever you make a phone call make sure you get a reference number for that call and write down exactly what you were told.

You can read our full review of the Merrill+ card by clicking here. You can also read our guide to redeeming points here.



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the Financial Hippie

Phone applications should still count for merging hard pulls, correct?

Irshad
Irshad

Can I have my existing card open and open another one over the phone? I am not sure if I will get approved as I had to recon even for my first card last month.
Any input would be appreciated.

sirtheta
Carl
Carl

Any idea if the situation is better if one has their investment portfolio already with Merrill Lynch? Would I benefit from having my broker work with me in applying for the card?

V
V

I can’t say if it matters or not, but I can say that they seem to be more open to outsiders than Wells Fargo. I remember one or more family members getting rejected by WF despite good/great credit (it’s usually 750+ score when I do app-o-ramas). A family member recently got Merrill+ (750+ or perhaps 770+ score, I don’t have the exact number handy) but another member got rejected at 696 (XPN pull, Feb2017). No relationship with Merrill+. I think BoA cards (or the lack thereof) will be more important, other than the credit score and balances etc.

The latter had had an apporama in July 2016 and was carrying more than $35k balance, all of it on 4 of the 5 new cards (all on 0% APR) which pushed them all to higher than 50% utilization but I just figured it doesn’t hurt to try. Pre-apporama July 2016 scores were 762-791 but BoA had denied a card at 791 XPN score in July 2016 citing “overdrawn bank account.” It was an account that wasn’t in use, was previously free and suddenly got monthly fees being charged.

MarcoPolo
MarcoPolo

25000 points after $2500 spend is not worth dinging my credit file.
YMMV though.

sirtheta

Depends on when you last applied / when you’ll apply for other BOA cards – https://www.doctorofcredit.com/bank-america-credit-card-approvals-without-hard-pull/

Adam D
Adam D

The bulls has been castrated…50k offer was awesome but I couldnt get approved. For 25k, youre better off going with US bank and flexperks since there are 4 cards to merge points from.

jf
jf

wouldn’t you say that us bank is harder to get approved for than this card? I mean BOA wouldn’t even touch me 2 years ago and they just gave me a 15k CL without siphoning away CL from my other card. Couldn’t get approved with WF, but definitely want to get in with US bank for sure!

Adam D
Adam D

I didnt have any problems with US bank on the amex gold and visa flexpoints with olympic promo, I froze ars and sagestream reports, which lead to me being auto-denied for the visa business flexpoints. I may unfreeze and apply for biz at a future point. BoA is eaier to be approved than US bank but depends how many cards you were approved with boa, I had 3 2 weeks before merill.

sirtheta

For what it’s worth, I could make the argument that a 25k bonus makes it much easier to maximize the value and get over $500 because this is $500+ off on any ticket over $500. (Whereas it’s harder to do with 50k points unless you’re booking two tickets or close to $500 flights.)

Div
Div

sirtheta: Are Merrill+ Visa Credit Card and other BOA credit cards (Travel Rewards CC, Alaska Air CC, etc…) consider as one family card?
I want to combine the hard pull into one, so trying to understand.
Also, I just called (866-751-1257)) and submitted an application over the phone. Rep said the bonus offer is 50k/3k currently. My application went to review, rep mentioned within 30 days they would inform me about my application decision.

sirtheta

Applications for the Merrill+ go through BOA, so the pulls originate from the same agency as the Travel Rewards or Alaska card, and can be combined, yep.

kt
kt

since you’re a mad genius in math, can you dig up another 50k bonus link?

sirtheta

I did try, I haven’t had any success :/

sirtheta

addendum: that’s not to say that the 25k bonus is better – it’s $250 to $500 whereas the 50k bonus is $500 minimum in cash, so the latter is definitely better. it’s more that it makes it much easier to get 2 cpp 🙂

Chris
Chris

I’m still afraid of getting scrutinized and clawed back for suspected MS, in the vein of the recent Amex clawbacks, since this offer was apparently never supposed to be public.

Gaurav
Gaurav

Just called and the rep said that they needed a financial advisor code and an offer code to apply. Anyone else encounter that?

Gaurav
Gaurav

So far three calls, they all state they can accept the application but no bonus without a source or offer code 🙁

irshad
irshad

There was some comment in another thread about a priority code VACSTX
Is it what you were asked?

Gaurav
Gaurav

Thanks Irshad. I had given up but called again ready with the code. Apparently the sixth time was the charm. The agent offered me the bonus off the bat when I asked about the card and went ahead and completed the application without providing the code. I was bummed to have missed this and glad I was able to get an application in. Thanks DOC!

V
V

I helped my sister apply for Merrill+ card today. We got lucky and got an agent on the first call who was familiar with 50k points the offer code (I forgot the particular term he used). The disclosures took a long time for him to read and I felt bad for him. He didn’t offer an email option for disclosure, similar to what Wells Fargo offers. The application has been submitted and is pending. CreditKarma TU 790, EFX 797.

Terry
Terry

I called today and got the offer of 50k for $3k spend. Agent had to trouble finding it.

Kartik
Kartik

Did your application went into pending status?

Onsale
Onsale

Just got my 50K bonus. What is the best way to spend it? I’m thinking statement credit.

Floyd
Floyd

That sounds like a plan to me

Yeshu
Yeshu

you cannot get statement credit.

yhgfkj
yhgfkj

Onsale. did you apply by phone ?

Adam D
Adam D

So is this 50kmiles/3k spend or 25kmiles/2.5k spend currently? I downloaded a call recorder app so if the reps do say 50k there will be evidence but getting conflicting iformation from here and reddit.

Kartik
Kartik

Can this be clubbed with Bofa travel and Alaska credit card to get a single hit on the credit score?

Anthony
Anthony

Yes. But there are multiple reports on reddit of BoA closing Merrill+ accounts of people who applied for multiple cards in one day. YMMV but be careful!

Adam D
Adam D

If you apply for more than merill+, make sure to call recon and get approved prior to applying for other cards. Other boa cards will be auto-approve and then the merill will be denied, it happened to me.

Thull
Thull

Another DP for this. Happened to me today.

Allen
Allen

Jumped on the phone application after seeing this article. Agent confirmed the 50k/$3k offer with no issue. The app went to pending, and was told to check back in several days. Does anyone recommend hitting up a recon # to push this along or let it be and wait..? Applied Saturday morning.

Anthony
Anthony

I called recon right away (1-888-503-6091). They approved me after shifting a little credit around.

N
N

I applied on Sunday. Also had no issues with 50K/3K offer. The app went to pending. I called the automatic app status checking # (866) 295-5137 this morning and was told that I’ve been approved.

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