Unfortunately, I had a bad experience with this bank. I used their pre-approval tool and was approved for a credit card with a $500 limit. However, once I completed the application, they performed a "hard pull" on my credit—and then denied my application. In my view, that’s not a very nice way to handle things. Now, I have a hard inquiry on my Experian credit file that will stay there for two years, and I didn’t even get the credit card. A real shame. 😕