It probably has to be reviewed by a underwriter. I got the 7-10 days on both my cards.
I had a store cc I opened a few years ago and nothing else until I applied for the usbank platinum (as since been PC' to cash+) this year. I got the 7-10 day (or something similar) message and thought I was denied. Since I bank with them I logged in to my account a few days later and had a new credit card account listed with my limit. The card came a few days after that.