they seem to work on their own time.... When I applied, I called immediately, as I have a fraud alert on my credit, and credit card issuers always have to speak to me before approving an application. I explained that usually other banks, such as chase or citi, like it when I follow up with a call because that expedites the process and makes their job of trying to contact me, so much easier. The response I got was - we're not chase or citi - we'll do it our way....