@hawaiiboy I have a freeze on all my credit agency account. Forgot about them when I applied for the Apple Card. I was denied but the process of applying informed me of the agency that was going to be used and that it was frozen. I did a temporary unfreeze for 24hours. Immediately retried the application and was approved. This was an amazingly slick and painless process compared to a Chase card I also tried to apply for recently. I gave up on Chase due to having to call, wait on hold, unfreeze multiple agencies and Chase never checking credit in 24 hours.