We both got instant approvals for the first round in 3Q 11. For each of us on both apps we got "decision pending" screen. I called the reconsider line and was able to get both mine approved. When I called back 2-3 hrs later to gain approval for both for my wife, I could only get 1 approved, so I applied online for the Reserve card and the rep approved it over the phone despite the "decision pending" screen. He indicated it was a new policy not to approve the same product on the same day.