I completed my 3bm of Marriott, SW plus personal, and SW plus biz on friday night.. No instant approval on either.. I called saturday morning and was asked why I needed so much credit. I explained I wanted to focus all my airfare on SW and that I'd like to be rewarded for my loyalty to them.. Then the rep told me that I'd have to call back monday morning to speak with someone to verify the information I provided. Is this normal? Also, I noticed 1 pull on EQ and 1 pull on EX.