I have this card and I recently got an email indicating that I can refer up to 5 friends and earn $20 for each referral if they apply and get approved for Blue. I gave this a shot last week when my dad applied online using my referral code. After 5 business days, he is still getting the response that the application is still being processed. Does this mean an eventual rejection? I think he has great credit as he pays all his bills on time and always in full, but I really hope he doesn't get rejected.