As others have mentioned, Wells Fargo is such a garbage bank. Got my physical card on Saturday, clock starts ticking on the 5x welcome offer. Made an online payment right then and there to zero out my outstanding balance so I could spend to the max of the credit limit, but the payment didn't reset my available credit on Saturday like it might with other banks. And then it didn't reset on Sunday. And then it didn't reset on Monday. Tick tock, hope I can take advantage of the Bilt welcome offer! Can't say its an especially welcoming first experience with this card, which is unfortunate because the card itself seems great, but their bank is handicapping their growth with its uselessness.