I also suspect that the billing mistake created an "all hands on deck" situation where all non-critical folks are focused on handling the critical support requests created by people panicked about their financial situation.
That said, Scott is right in that if you're overseas, we've heard of accounts taking up to a couple of weeks to clear. If you're in the US, there have been a couple of examples of delays being a portent of bad news for you, unfortunately (as in "not approved").
Finally, you might take it on yourself to understand that you applied on a Saturday of a three day weekend. If your account got flagged for manual confirmation, that might not be able to start until Tuesday, the next available banking day.
Good luck, though. I hope everything works out for you!
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