Data Point:

8/29/14 - Did NOT freeze ARS and IDA.
Credit Karma: 780/Credit Sesame: 834 (lol - i wish).
--Applied for both the personal and the business on the same day within minutes of each other as card one (personal card) and card two (business card) of my five-card AOR. I got instant approval on both.
EX pulled for CA and my two pulls from US Bank merged into one pull. ^


As of today, I still get the "I'm sorry, your application(s) cannot be found" on the US Bank automated application status line; however, I logged onto Club Carlson's site and I did a dummy booking and see that I am eligible as a cc visa member to book the free night, so my personal went through. I had them generate a new number for my business, so I can't access that account yet to try a dummy booking, but I do see on my credit report today that I have a new US Bank account w/the correct credit limit for the biz account, so looks like I'm good there too.

*****I should point out a very BIG determining factor on the instant approvals with unfrozen accounts: I have not applied for any credit cards for two (2!) years, not on purpose, just life got in the way. So I had (past tense) a spotless credit report before my AOR. My apologies, I'm not exactly a good data point or helpful to those seasoned churners out there. -Also, if it makes a difference, I do have a five-year old credit card with US Bank and, lastly, I do have a legitimate business being self-employed in the same capacity for 12 years.