I got denied for the Merrill+. I applied for the Amtrak at the same time, and it was approved. Those are my first BOA apps ever. I called reconsideration and they said I have too many new accounts in the past year, that it is aggressive credit seeking, and they do not want to participate in aggressive credit seeking. I have something like 11 or 12 new accounts in the past 24 months, FICO is around 800. Oh well.