momof2OH and honeymo78.. I have been getting the "your application is under review" message for a week now. It is really annoying. I finally called and talked to a live person and didn't get much more information. They basically told me that my application is in the process of being processed. I did ask if that was some credit card speak for denied and she told me "no, she would tell me if I were denied". So, I guess we will just have to wait and see. I did ask on another thread that if anyone who was getting a "under review" message now gets an approved message or a card in the mail, please post so we know what is going on.