Mine have typically turned around within a few days, and have been rather orderly. I've been mostly pleased with the ease of use. My only complaint is really a billing issue with Apple that makes it not as easy as I would like to switch my recurring bills between the Amex Platinum Card and my Apple Card. I'd love to use the Amex up to the credits and then switch to Apple Card to get 3% cashback at that point in the month. I often don't make the switch quick enough.