Hi Dave - nope, it's not instant. In fact, I called last week to check the status since I was curious, not knowing what the silence meant. She said they send out the card (or letter if not approved) within 7-10 days. Sure enough, just got home from a long weekend and it was in the mail yesterday. Yeah !!! Feels good to apply for things and be approved. So far my inq have resulted in new TLs (4 to be exact - don't think I want to do anymore as I'm happy with the mix of cards and CL). I'm at 661 by the way and they pulled EQ. Hope that helps! She was very nice on the phone and said they do limits from 300 - 1000. My limit is 400.