First you apply for the card you want. Upload your invoice to them. Give them credit card info. Once they have a card ready for you and verify your billing they will send you an RMA number. This is the point taht you send your card to them. It takes 2-3 days to get to them depending on shipping method and location. Then another 1-2 days turn around for them to ship the card back to you. Then however long that shipping to them takes. It takes on average about 7 business days turn around depending on shipping methods.
Nope. It's really pretty painless. You dont send your card in until they tell you to. Once they get your card, they check it, charge you, then send out the new one.