Preapproved Visa Card Offer
Hi everyone,
Last week i got a call from Scotiabank's telephone banking center. I had recently signed up for those scene members card for cineplex and I guess they got my information from there. They told me that I have been 'Pre-Approved) for their Scene Visa card with some extra free movies. I dont need this visa as I already have my two main cards that I use (CIBC Aventura Infinite Visa for regular purchases and BMO World Elite MC only for costco stuff every couple of months). I told that the person that I dont really need it, but they were kinda insistent. I asked them if I am preapproved does it mean Scotia will do a credit check on me? to which they said that Scotia wont as I am preapproved. I asked this three times to confirm. Anyways I said ok to the credit card as he was giving like 5 or 6 free movie passes. Now I am bit worried about a credit hit again. If I pull my equifax right now and it shows that scotiabank did indeed hit my credit , is there any recourse for me? or should I just swallow this as a life lesson and move on?
Last week i got a call from Scotiabank's telephone banking center. I had recently signed up for those scene members card for cineplex and I guess they got my information from there. They told me that I have been 'Pre-Approved) for their Scene Visa card with some extra free movies. I dont need this visa as I already have my two main cards that I use (CIBC Aventura Infinite Visa for regular purchases and BMO World Elite MC only for costco stuff every couple of months). I told that the person that I dont really need it, but they were kinda insistent. I asked them if I am preapproved does it mean Scotia will do a credit check on me? to which they said that Scotia wont as I am preapproved. I asked this three times to confirm. Anyways I said ok to the credit card as he was giving like 5 or 6 free movie passes. Now I am bit worried about a credit hit again. If I pull my equifax right now and it shows that scotiabank did indeed hit my credit , is there any recourse for me? or should I just swallow this as a life lesson and move on?