That means the rep gave me inaccurate information. When I called on 11/16/00 and received my account number I was fully approved! However, the rep stated that I was approved based on checksystem but no credit report had been ran. Maybe it was too early for the rep to see final approval but she also said that the credit check would be several days later. Anyway, her information was not accurate. The letter I received today said that my request for overdraft protection is being denied based on the Experian report. I know this wasn't a soft inquiry because the letter went into great detail about my credit history. I just called and the rep told me that my approval is final and my checks and ATM card will probably arrive day after Thanksgiving or Saturday! Maybe because I ask for overdraft protection they quickly ran a credit check. Maybe those whose credit check didn't happen in the beginning didn't request overdraft protection.