Just applied for card #2. (1st card applied on 2/12) No instant approval. Called in, provided cell phone number, answered some basic questions, was put on hold, then asked how much CL I would like. (said $17.5 because that is what my hubby got for his 2nd card) Was put on hold again and approved for that amount!! So... end of churning for me. I have some spending to do!!