<prompt> Human: So my roommate recently got a job at a bank as a teller. They get incentives for getting people to apply for credit cards and other things. Lately Ive been getting a ton of things about being pre-approved or special offers for things at her bank. Ive never banked at where she works, had an account there, or applied for anything at this bank.I was wondering if Im taking a credit hit over all these applications. A quick google search says it does but Im not sure if these are actual credit card applications or just stupid little promo things. Im also not sure if theyre just being requested with name and address or if she took my social off our lease and is making this much more serious. Any help would be great.  <response>: Does she work for Wells Fargo?Theres an easy solution - make an account at creditkarma.com and look at your free credit report. You can see in two minutes if youre being signed up for credit cards. 