Tried to get my "pre-qualified" credit card, and the process was a nightmare. I am not exaggerating when I say they screwed up at EVERY opportunity. The pre-auth code didn't work. Then they denied it for potential fraud and took TWO WEEKS to tell me that. Then I uploaded documents to prove not fraud. They said it failed (they didn't know why of course) and I would have to go into the local branch. I went into the local branch and they mentioned two more mistakes that had happened. I left, and vowed to never, ever, deal with them again.