Ugh. Not a good sign. The next rep had a bit of life in her I was told they do report all accounts in a 30-90 day window. So... whether they do it monthly or quarterly is up for grabs. Since my acct activated in March, it's reasonable if they're reporting quarterly that I'm not showing up yet. If by the end of June it's not there.. then I'll followup. I do remember an old post that said the first sign of Target on a CR took a few months. As long as it does show up... She didn't know about limits vs. high balances. So when the account shows up we may have to pull a "high balance" transaction or two on them... but at least we know to do it if we have to. Sorry the info isn't very definitive. But that's what I got from them.