No. You are fine doing that. The FCRA says that you need a business reason to access a credit file. Underwriting debit cards was common years ago. I'm sure some banks still do it. With overdrafts and stand-ins, this can be reasonable.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell