Absolutely not! Applying for the Reflex Mastercard is as simple as they come, and the whole process will not take up much of your time. You will need to provide all of the most basic information. The information you provide isn't going to be intrusive and is only the bare minimum that federal law requires. As for the application process itself, it's also elementary. You apply through the internet, and the whole application process will be streamlined and guided on a beautiful, utilitarian website. You're going to get the entire process finished in a matter of minutes, only leaving behind the waiting process. The waiting process is a fickle thing, though, as it can take anywhere from a couple of days to a full month.