Aye, that is what I was afraid of. And no I didn't mean getting actual credits but rather 'pending cards' but if that just does not happen then the difference is rather irrelevant.
Anyway, as a pessimist the answer is what I expected but this helps in the planning so I thank you for the information. With your long standing membership, huge post count and a nice collection I'm pretty sure you know your stuff :)
I suppose the filter for cards not yet in my possession will soon be my new friend.