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I got the 7-10 day message when I first tried. I don't think I used the card much at all during that period. This time I didn't even want to risk 3x the limit so I asked for $7500. I got an instant response, but it wasn't $7500! It was $5200 (which I thought was a weird number, but oh well), which is fine by me as I really don't use the card that much. I will use it when I need to buy a plane ticket next year! (It's the Delta card.) After that I will PC it or simply use it only for plane tickets and car rentals, but I will probably just PC it!