Yes, it does seem that their application processing is a bit haphazard. I had applied online about a week ago. No response. When I checked the status online two days later, it said that my application was denied which I found very strange since I have an excellent credit rating, no debt (other than a mortgage on my house, with a huge equity), and I pay all my bills on time. (Perhaps the latter is the problem -- they can't make any money from interest payments out of me.) Anyway, today I got an email saying my application was approved, with a whopping big credit line. Go figure...