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BMO - Should I get a credit card?I opened a BMO checking account yesterday and in the process the rep said oh wow you mustvhave good credit, they approved you for a card. A pre-approved credit card offer is an invitation from a credit card issuer, indicating that you pre-emptively meet the criteria for a particular card. I just want to know if it's normal that they would only do a soft hit, in my experience it's very unusual. All credit I've received (and I've.