received the denial letter. Called reconsideration - still denied, wouldn't allow credit to be moved. So I opened a Merrill account, deposited 20k and reduced credit on 2 of my cards. Called again, and was approved for 8k. 10 days later, receive another denial letter, and they unapproved me!! At least I didn't receive the card and start spending, and then get it cancelled as some have. Lesson learned - don't wait, jump on offer right away before they change their mind. In beginning, they were handed out easily and some got 2 with no Merrill relationship.