Was shopping for two patio ceiling fans. Google sent me to Wayfair, added two I liked to the cart and at checkout the SCT popped up, why not, it's been a few months for me. $3k approved. Hmm, ok. Accepted. Went over to Overstock as they had an ipad wall mount I was looking for. Another SCT, $3k again! Accepted. Nice day.
However, when it comes to my Discover, nothing, zilch, no CLI whatsoever even after 7 months. Sportsman Guide, again no SCT from them. In fact, Walmart has me in their toy-hole for $150 for well over 2 years now. Never late in almost 5 years on anything. Oh well. I will keep building. 
$7k Barclays Apple, HSN $3k, Discover $1500, Cabelas Visa $1200