For those who have the Wally Discover through an upgrade, how long did it take for you to get it? On my upgrade letter, it says I have until October 23rd to opt out of it, so I'm assuming I won't get the card until AFTER that date so they know for sure I want it? I could be wrong... just thinking out loud here. I'm anxious to get it to see if it will have an increase on it; if not so I can call them and request one