I think it's structured that way. I got a non-message saying I'd hear back from them in 3 weeks or in 2 days by email (if I gave them my email address, which I did). I think they are doing it that way because they want to try and sell something else to you. After applying for my CIBC biz card, someone called me and asked if I wanted to open a chequing account. And for this app, they asked for information on who had my mortgage, who I bank with. SO they're preparing the old cross-sell.