card where one spends his own money! The site says you are enrolling. That's deceptive! No you are applying because I believe they are doing a credit check! Cobalt has made me a little angry! Their site gives the impression that "enrolling" is 1-2-3. It says you give your information (including very private info like SSN;why do they need your SSN for a check card?). Next you attach a funding source (your checking acct).Through that source you provide a minimum of $20. Then they send you a card. Sounds simple and the site makes it sound that way. Well after giving my information I get a message that my "APPLICATION" is being processed! I wasn't applying for credit but enrolling as the site calls it! I didn't want to apply for credit! I don't want another inquiry and I didn't think I was allowing a credit check. I should have known that they were doing a credit check when they ask for SSN! To make it worse, the message said it could up to 2 weeks to process! What happened to simple as 1-2-3! OK all of you who have this card. Tell me the scoop. How long does it really take? Did they do a credit check? If these people actually turn me down I am going raise HELL!