No, it's NOT only a matter of time. I've waited over a month for rewards to post that were supposed to post in 7-10 business days. Then I've e-mailed customer service, waited for a response, gotten a response that the rewards would post, then waited another three weeks, sent another e-mail....

You get the idea. It shouldn't take two months and two or three complaints to customer service to get things to post.

I guess not everyone has these problems. I'm one of the unlucky ones, though.