First and foremost, thank you for your continuing help!!!
No, I already applied from my PC (after getting MANY email from Apple asking that I apply)... which is likely why I do not see an "Apply for Apple Card" after opening Apple Wallet app and tap + button in upper right corner of screen. For reference, when doing the same on my wife's iPhone... it does have "Apply for Apple Card" so I know I am looking in the correct place.
After applying and being accepted, It said I had an initial $5,000 line of credit (in my PC browser, at the end). I received an email saying; Welcome to Apple Card. Built on the power of iPhone, your new Apple Card is ready to use right away with Apple Pay. Every time you use it, you get Daily Cash. Not a month from now, but every day. So I know I was approved...
BUT NO CARD INFORMATION, or when where or how it would be supplied.
Please forgive my frustration!