“I must say that this card is a pain in the rear to apply for these days. The phone representative had to put me on hold several times in order to locate the application in his system. Additionally, don't apply unless you can set aside at least 20-30 minutes to listen to all the terms and conditions during the application process. He kept asking if I had some kind of referral code or offer code, which I'm not even sure is offered to the public for this card.
They've removed a lot from the ML website in recent years, including the online application feature and the phone number to apply. I just used the main BoA phone application line because I didn't feel like hunting down a Merrill Lynch phone number.”