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The Accessory Card. What is it?

I decided to apply for The Accessory Card as it seems like an easy one to get. I applied a week ago. It didn't give me an immediate decision. I noticed they have done in total three credit checks on me on Equifax over the past few days.

Today I received a credit agreement in the post. It tells me I have to sign it and send it back so they can "complete your application." Since they've already done the credit checks on me, what else is there to complete? Can anyone shed any light on what the application process for this card is normally like?:D

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