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There are procedures to dispute purchases on XBL and possibly even do chargebacks if you purchased the points directly through Microsoft. They want to wait for the dispute period to lapse before issuing the reward. Its a pretty standard procedure that isn't so much about processing time.

Granted, the $5 GC is riskier if you don't know how to use it, but I think its basically an accurate way of phrasing the deal. And if you're lucky, as I was, you might get a cashier who'll automatically use the GC as payment for the MSP cards. I was prepared to use my card on some stuff that was...