So, I apply for a new credit card and send in the application.

Three days later, I see a new credit inquiry in my reports. OK, that makes sense.

Six days later I see a new credit card account reported by Experian. Say what?!

It's only been a week since I sent in the app and I haven't heard anything from the issuer which is no surprise because if I was declined, the rejection letter would still be in the mail and if I was approved, it'd be a week or so more before the new cards arrive.

What surprised me was that Experian was already reporting a new account!

Spooky :)