I think, from my experience, there are two different issues. First, some cards will be declined right from the get go (I tried a number of different credit cards and all were declined before I had even done any transfers). And yes one of the cards was in my name and the account was in my name but still got declined. Once I found one that worked, it only did 3 or 4 transfers instantly and then the transfers were only processed manually the following day. This is a great promo but caveat emptor.