They overnighted mine. I applied that Monday it was first available and got a message they couldn't approve me right away ad I would get an answer in 30 days. I have a fraud alert on my credit report and knew that was why so I called Citi that Weds and that was the reason why. They had to call me back on my office phone and asked a coupe public record questions to verify it was me and I had it via fed ex on Friday, so I had it in my hands two days after I was approved.