topic Re: Credit Card Not Applied For from my bank in Community Chat

Credit Card Not Applied For from my bank

WORKING GAL — Sun, 20 Aug 2023 22:51:10 GMT

I just received a Visa CC from the bank that my husband and I have a joint checking acct. and debit card. I did not apply for this card and don't want it. There was no info as to what the interest rate is or anything else. I will call them tomorrow and tell them I don't want it. The Fico score on the paperwork is lower what my scsore was prior to this card being issued. When you apply for a cc you have to supply personal info. I am wondering if someone else provided or asked for this card as I didn't. I am concerned about this. Has this happened to anyone else?

Re: Credit Card Not Applied For from my bank

jannabelle1 — Sun, 20 Aug 2023 23:07:27 GMT

Was there any information included with the card that you might not have noticed? Or maybe a letter? Banks do not normally send out unsolicited credit cards...they just don't. Are you sure you don't have an older credit card that has expired, and this is a replacement card? If you didn't receive anything included with that card, then definitely contact your bank. Good luck!

Re: Credit Card Not Applied For from my bank

PinkyPetunia — Sun, 20 Aug 2023 23:11:42 GMT

Did your husband approve or request the card? If not, I would be concerned too. Contact the bank and ask your questions. Let us know what transpires.

Re: Credit Card Not Applied For from my bank

BlueFinch — Sun, 20 Aug 2023 23:16:28 GMT

I'd be suspicious, too. No one should receive a credit card without making such a request.

I received a fraud alert two days ago, on a newer credit card that I had never used. Not even once. Charges were for a business in London. Looks like my card number is traveling around the world.

Received letter, a day prior, that an account I have at the bank providing the card was hacked. Major! All personal data. It came with four pages of actions I need to take.

Lots of work starting tomorrow to protect myself. It may be hopeless, since the bank hack was in May and I'm just learning of it. There's only so much you can do. I'm ripe for serious identity theft.

Re: Credit Card Not Applied For from my bank

fthunt — Sun, 20 Aug 2023 23:16:29 GMT

Perhaps your card is expiring (the date) and this new card is just a replacement. Happened to me......

Re: Credit Card Not Applied For from my bank

Tori3569 — Sun, 20 Aug 2023 23:24:23 GMT

@fthunt wrote:
Perhaps your card is expiring (the date) and this new card is just a replacement. Happened to me......

Sounds like an expiring debit card.

If someone else opened the account it wouldn't have gone to your home.

I've also never heard of receiving paperwork with FICO scores with any credit or debit card, but maybe it's a specific bank thing.

Re: Credit Card Not Applied For from my bank

Venezia — Sun, 20 Aug 2023 23:35:19 GMT

I have my credit frozen on all three top credit agencies. No one can apply for any type of credit until I unfreeze them.

I'd be very concerned about receiving an unapplied-for credit card, even if it was from my own bank.

Re: Credit Card Not Applied For from my bank

Mom2Dogs — Sun, 20 Aug 2023 23:35:25 GMT

My credit card was due to expire soon, but the credit card company notified me asking if I want to change designs on my card before they sent out updated cards.

Re: Credit Card Not Applied For from my bank

mspatmac — Mon, 21 Aug 2023 00:37:07 GMT

Banks are prohibited by law from sending unsolicited credit cards. Has to be a replacement for a forgotten card forgotten about?

Re: Credit Card Not Applied For from my bank

jackiejenny — Mon, 21 Aug 2023 01:25:01 GMT

Like others have said, banks need your permission to open a credit card account.

The Truth In Lending Act says banks can not issue you a credit card unless it is in response to a request or application you make in writing or orally, to the issuer.

Credit card offers are another thing entirely. I get those all of the time.

Re: Credit Card Not Applied For from my bank

Kachina624 — Mon, 21 Aug 2023 01:46:33 GMT

Wells Fargo Bank is famous for and got in big trouble for opening phantom credit card accounts for their existing customers.

Re: Credit Card Not Applied For from my bank

sunshine45 — Mon, 21 Aug 2023 02:08:23 GMT

my 82 year old mother placed an online order with FRONTGATE.

she says they opened a credit card in her name.

she found out because she said she never got a bill and all of a sudden she got a second bill with a past due notice and a late fee.

i told her they cannot open an account without you giving them some of your personal information to open that account.

she insists they did it without her knowledge, without her giving them her personal information, and without her having click on anything that would have gotten her that credit card.

i gave up trying to get her to understand......

Re: Credit Card Not Applied For from my bank

Desertdi — Mon, 21 Aug 2023 02:42:05 GMT

@Kachina624 wrote:
Wells Fargo Bank is famous for and got in big trouble for opening phantom credit card accounts for their existing customers.

@Kachina624 Happened to my mother (different bank, tho). I had a heck of a time getting rid of that card. Told the bank to come to the house and see for themselves there was no way an elderly invalid with dementia could have opened that card.... di

Re: Credit Card Not Applied For from my bank

Cats3000 — Mon, 21 Aug 2023 09:26:36 GMT

You asked the wrong question in the wrong place. Get down to your bamk NOW and talk to a manager, not a teller. The bank will have to track down how and why the card was issued without your prior knowledge. I believe there are federal and state laws that protect against this.

Re: Credit Card Not Applied For from my bank

chrystaltree — Mon, 21 Aug 2023 13:00:41 GMT

Call the bank....

Re: Credit Card Not Applied For from my bank

Mimi NY — Mon, 21 Aug 2023 14:51:13 GMT

Yesterday I received an email from Chase saying there was activity on a dormant account ,I have only one account with them for many many years , and it is very active .I saw on email said to click here to make sure everything was correct got the feeling it was phishing so of course I didn't click on it but did forward the email directly to phishing @Chase. I did notice they did not have any Customer service phone number to call which seemed strange to me,but everything else looked like it was from Chase.

Guess we all have to be so aware of what is going on with scammers out there trying to get our information.

Re: Credit Card Not Applied For from my bank

Venezia — Mon, 21 Aug 2023 15:32:22 GMT

@Mimi NY - You're right - it was a phishing email. Good for you not clicking on anything.

Yes, the scumbag scammers are always on the lookout for vulnerable people.

Re: Credit Card Not Applied For from my bank

CelticCrafter — Mon, 21 Aug 2023 18:02:57 GMT

@Kachina624 wrote:
Wells Fargo Bank is famous for and got in big trouble for opening phantom credit card accounts for their existing customers.

We were at a different bank just this morning and heard that BofA just got caught doing the same thing.

Re: Credit Card Not Applied For from my bank

meem120 — Mon, 21 Aug 2023 18:49:52 GMT

Perhaps someone applied in your name and was hoping to intervene your mail before you. This was a common scheme during Covid to receive unemployment debit cards.

Re: Credit Card Not Applied For from my bank

Kmac444 — Mon, 21 Aug 2023 21:22:14 GMT

We have a credit freeze with all three credit agencies so that will never happen to us. We do need to temporarily lift it if getting a new card or appyling for a loan. Neither of those happen very often, so it is a great safeguard!