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$50,000 BMO Harris Business Credit Cards and Lines of Credit SecretsYou need a credit score of or better for a BMO Harris Bank credit card. That means people with at least good credit are eligible to be approved. Capital One will usually pull your Experian, Transunion, and Equifax credit reports. If you freeze one credit bureau you can still get approved. Given that it is manually reviewed by the underwriters. Hard pulls- TransUnion. Credit Limit- $12, Profile stats: FICO 8. UT< 1% INQ-.