Recently got my 40k points, several months after the account was opened. This took a lot of calls and follow ups on my end. I also got a fair bit of false information. It took a few months for the annual fee to be refunded, too. I called to cancel and they offered me 2.5k QFF points. So I took that (they say it can take 6 weeks - ie. longer than one account statement cycle?!). We'll see how long that takes...