Couple data points:
Applied for myself 4 weeks ago. Denied based on churning. Called them - no one can override. Called again - we have a problem with your identity theft - if you would not call, how we would know that its you who applied. Agreed to put in que to reconsider. 1 week later approved.
For my wife:
Froze IDA and ARS 3 weeks ago. Approved instantly for both personal and business cards yesterday.