I applied online on December 3rd and got mine before Christmas for a 3 year dual purpose. I originally remembered my old card expired in 2019 and went on in late November one lunch to apply for my new one, after a lot of cursing I finally noticed you have to wait until December 1st for some reason and that is why I could not get anywhere for my renewal. My guess is anyone applying after or close to the new year has a lot of other people doing the same thing and with Christmas and government workers having to use up their 21 weeks of holidays there was not likely much to process from December 20th until after the first week of January, then they started at the top of the pile instead of the bottom of the pile and this is why some applying later get theirs earlier. If I want to apply for a card in July that is expiring in December, I have no idea what the reason to not allow renewals until right before Christmas?