Data point: I have two US air cards, one opened 1/2012 with ~$50/month since then, one opened 3/2013 with no real spend since. Second card downgraded (to no annual fee card) in May. Credit score just under 800. Applied for Arrival+ on a Wednesday, got notice that they would have to review. Email received following Tuesday that I was approved for a new credit line, no change to existing cards. I haven't applied for any other new cards in over a year, so no recent pulls on my report.