I'm having trouble figuring out the pattern for when RB instantly approves the registration, and when they require us to call in to verify our identity. When I applied for my RB a couple months ago, it didn't approve me instantly and I had to call in. I had closed my BB about a week earlier and used a different email address. I purchased the card from a Target store, so the SSN and name should've matched what was entered in the store. I then bought a 3rd party RB for my mom's SSN and that one was approved instantly. My sister bought one from a 3rd party and that one was approved too. She bought one for my dad's SSN and now that one requires a call-in to verify. The only potential pattern I can think of is that for the instant approvals, we didn't enter in the DOB. Is that the determining factor?