http://dcta.boardingarea.com/2016/11/amazing-deal-us-merrill-lynch-card-1000-sign-bonus/#_ga=1.9825205.1026508332.1466904351
Did you get approved without a Merrill relationship?
Can points be cashed out?
Approved
Yup. Me too
do you guys have any relationship with merrill lynch?
no
instant approval?
Nope. Applied on day OP posted, got letter in mail yesterday that I was approved.
Helped my cousin apply. No ML relationship besides for the fact that he's been an added user for 10+years. Pretty low income as well and he got approved.
So 5 years for approval? Not bad.