I applied online, had no problems. Received cards for both DH and myself, as requested. One week later, I received the cards AGAIN, under the same account number, for both of us! I called them and they said just cut up one set of cards. One thing I did notice, though, was that the finance charge is done on the TWO cycle average, which means they can essentially charge interest for each month twice (sort of). Just a heads up- you don't want to carry a balance on this card! Pay it off monthly or the interes charges will soar!