Ok guys, this is the OP. I have some news. I just talked to someone I know who works for Jackson Hewitt. She says that the WMR site will be updated February 15th for many people who are receiving refunds with credits.
AND that's also the day that the IRS will begin disbursing funds. So, for some of us who have cards that promise your refund up to two days earlier (Serve Card, NetSpend, etc) you may receive your refund that day, this Saturday.
She said her info about the 15th is part of standard training for tax preparers at Jackson Hewitt.