Also just denied for the Merril Lynch after review by recon. Too much extended credit. Even gave liquid assets of 220k on this additional call on top of 93k income. Previously given about 35k among 3 cards since 5 months ago on 3 apps done in one day with instant approvals. I offered to exchange lines since one is 17k but just seemed they never really heard that. Fico around 790. Fako about 820.