Late to the party, but heck, only costs an inquiry. Called applications first just to confirm that I didn't have any good offers associated with my name and address, then declined to apply for the 10K. Couldn't find the 25K offer anymore, applied through a 15K offer on Frugal Guy's site, instant approval. Will do the secure message route when it arrives. Here's hoping the switches to 5894 continue until then..