While I certainly think the Merrill Lynch credit and debit cards offer nice perks, Merrill Lynch is far from the only credit card issuer that offers points, damage waiver on car rentals, and concierge service.
If Merrill Lynch does not want to do business with you, a customer with a 703 credit score, I am certain you can find another bank that offers credit cards with Merrill Lynch's features that will.
To learn more about your credit card options, visit the bills.com credit card information section.
To learn more about your credit score and how to improve it, see the Bills.com resource FICO Score Calculation.
I hope this information helps you Find. Learn & Save.