would like to add some data points. I froze both my experian and my equifax to apply for two chase cards the hyatt and the sapphire. Neither got instantly approved. I called right after applying and they said they were pending in the computer system nothing they can do. i called the next day and by then the sapphire was out of pending but the Hyatt was still pending. I asked them to look at the sapphire app and they said they werent able to pull any credit report all were frozen. I told them TU wasn't frozen the rep said he would see what he could do and came back on the line and said he was able to pull TU. THen the next day the system pulled TU for the second app so i ended up getting two pulls on TU which was fine cause i currently had 0.