Indeed it is. The ONLY time in the past five years that I didn't get an instant approval was at Cabela's. The approval only took a couple of hours, but then the fun began. They have some sort of triple-verification process that is solely a store policy or procedure. It probably didn't take as long as it felt like it was taking, but watching how nonsensical the machinations were made it feel like forever.Cabela's is another story.