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Yeah--- The criteria they use is as closely guarded as how they come up with your credit score. But I've had a card go bad on more than one occasion & as long as they don't hold me responsible, waiting 5 days is a small price to pay.
A couple times this past December they called the evening after I made an electronics purchase to see if it was me. I don't usually answer calls from businesses, but they even had "Chase Credit Card" in the caller ID. Guess they were shocked that I was out in a brick and mortar store.
Jim