Does pre-approved = no credit check upon offer acceptance (with Scotiabank)?
I just got a message in my online banking saying that I am pre-approved for a Gold Amex with Scotiabank. I have until November to accept it or let it expire. Does anyone know if there will be a hard credit inquiry by Scotia if I accept the offer? I'm trying to keep hard inquiries to 0 over the next 12-24 months while leading up (hopefully) to a mortgage. It would be great if anyone could speak from experience specifically with a Scotiabank pre-approval. Thanks!