Thanks for pointing out my error. I was referring to a count of airlines referrals on a major credit card operator, which had almost 100% lack of adequate credit line as the inquiry and CNPO questions did not even appear. I had also never heard of such an issue.

Card replacement usually takes less than three days if requested urgently, although sometimes issuers ask customers to pay for courier service if it is a lost, not stolen, card. Obviously each issuer works differently. One of my clients takes three weeks, but customer service is not in their vocabulary.