I received a BofA credit card in the mail without applying for it!

[DarkManX]

I received a bank of america credit card in the mail, i have never applied for it, I do have my car loan through BofA, but havent even looked at their credit card offerings this year. I called to cancel it but she could not tell me how it was opened and the depart that could was closed since its sunday. Should I be worried about my identity being stolen? I have a good credit score, but i dont want this credit card messing it up, the lady that closed it said it wont hurt me because it will be a closed account due to unwanted card, is this true?

 

[Stunt]

Free debt!
Awesome.

 

[LikeLinus]

"Should I be worried about my identity being stolen? "

Well I'd certainly look into it.

 

[zainali]

get ur free credit report and see when boa pulled your credit.

https://www.annualcreditreport.com/cra/index.jsp

 

[handoverfist]

Do you have a card through mbna? If so, that might be why. They merged with BoA.

 

[thegimp03]

I get free credit card applications all the time. I think Capitol One sends me an application almost every week. Along with Amex, Citibank, etc.

 

[Dragnov]

Originally posted by: handoverfist
Do you have a card through mbna? If so, that might be why. They merged with BoA.

^What he said.

I got a new shiney black BofA credit card in the mail and had no idea what it was originally. I didn't apply for anything and it certainly wasn't a new BofA check card. Isntead it was replacement of my old MBNA credit card.

 

[DarkManX]

i only have 3 primary credit cards, a citi divided card, amazon.com, and an amex clear, i also have a Circuit city and Comp USA card. The rep said my account was oppened on 9/15/2006 so it looks like a new account. I checked my report with equifax and i dont have any recent ur unknown requests that i applied for. however under the the requests that dont affect me there is one from BofA on 9/15/2006

 

[SoulAssassin]

You sign up for a free tshirt/blanket/hat/whatever at a baseball/football/whatever game?

 

[DurocShark]

Credit card companies used to do that all the time until people would rack up the cards then never pay.

 

[gsethi]

do you have a checking account with BoA ? That could explain. Wells Fargo and BoA will automatically send you a Crecit Card when you open up a checking account.

and Yes, I am NOT talking about debit card. They will send you a Debit card followed by a Credit card.

 

[DarkManX]

nope, all i have is my car loan through BofA.

 

[Kyle]

Originally posted by: gsethi
do you have a checking account with BoA ? That could explain. Wells Fargo and BoA will automatically send you a Crecit Card when you open up a checking account.

and Yes, I am NOT talking about debit card. They will send you a Debit card followed by a Credit card.

BoA never did that with me.
They really do that? Without consent or anything? That would piss me off...seems fishy though

 

[b0mbrman]

Originally posted by: Stunt
Free debt!
Awesome.

Free debt? You mean free decreased utility...

[Edit] Woah...this thread is deja vu

 

[JEDI]

Originally posted by: DarkManX
I received a bank of america credit card in the mail, i have never applied for it, I do have my car loan through BofA, but havent even looked at their credit card offerings this year. I called to cancel it but she could not tell me how it was opened and the depart that could was closed since its sunday. Should I be worried about my identity being stolen? I have a good credit score, but i dont want this credit card messing it up, the lady that closed it said it wont hurt me because it will be a closed account due to unwanted card, is this true?

oh sorry, that was mine. I forgot to forward your mail to me.

Can you send it to me. I'll give you the PO box where it was suppose to goto

 

[SoulAssassin]

Originally posted by: gsethi
do you have a checking account with BoA ? That could explain. Wells Fargo and BoA will automatically send you a Crecit Card when you open up a checking account.

and Yes, I am NOT talking about debit card. They will send you a Debit card followed by a Credit card.

BS....I worked for a major credit card company for 8 years. Unless you specifically agreed to it during the process it opening the account....that would violate so many regs it's not even funny.

 

[acemcmac]

Originally posted by: Dragnov

Originally posted by: handoverfist
Do you have a card through mbna? If so, that might be why. They merged with BoA.

^What he said.

I got a new shiney black BofA credit card in the mail and had no idea what it was originally. I didn't apply for anything and it certainly wasn't a new BofA check card. Isntead it was replacement of my old MBNA credit card.

I would think that this would be the case too. I'm waiting for BofA to replace my wachovia/mbna card now...

 

[Shawn]

Originally posted by: Dragnov

Originally posted by: handoverfist
Do you have a card through mbna? If so, that might be why. They merged with BoA.

^What he said.

I got a new shiney black BofA credit card in the mail and had no idea what it was originally. I didn't apply for anything and it certainly wasn't a new BofA check card. Isntead it was replacement of my old MBNA credit card.

They are sending out new cards? That is weird because I haven't received one. I hope they don't replace mine anyway because I like the one I have now. It's an FSU card.

 

[hx009]

Originally posted by: SoulAssassin

Originally posted by: gsethi
do you have a checking account with BoA ? That could explain. Wells Fargo and BoA will automatically send you a Crecit Card when you open up a checking account.

and Yes, I am NOT talking about debit card. They will send you a Debit card followed by a Credit card.

BS....I worked for a major credit card company for 8 years. Unless you specifically agreed to it during the process it opening the account....that would violate so many regs it's not even funny.

I guess they're breaking so many regs then. I signed up for a BofA checking account 4 years ago, then closed it 2 years later because I moved out of their territory (no local ATMs). I pulled my credit report on a whim last year and lo and behold I had a BofA Visa account on it (of which I never saw a physical card or a single statement for strangely enough).

 

[txrandom]

Originally posted by: SoulAssassin

Originally posted by: gsethi
do you have a checking account with BoA ? That could explain. Wells Fargo and BoA will automatically send you a Crecit Card when you open up a checking account.

and Yes, I am NOT talking about debit card. They will send you a Debit card followed by a Credit card.

BS....I worked for a major credit card company for 8 years. Unless you specifically agreed to it during the process it opening the account....that would violate so many regs it's not even funny.

When I opened up my checking account for a debit card, one day a credit card section randomly showed up on my web log in.

 

[gsethi]

Originally posted by: SoulAssassin

Originally posted by: gsethi
do you have a checking account with BoA ? That could explain. Wells Fargo and BoA will automatically send you a Crecit Card when you open up a checking account.

and Yes, I am NOT talking about debit card. They will send you a Debit card followed by a Credit card.

BS....I worked for a major credit card company for 8 years. Unless you specifically agreed to it during the process it opening the account....that would violate so many regs it's not even funny.

Its the same with Wells Fargo. If not, care to explain why do i have 2 cards for each of my accounts with each bank (CC/DC for personal checking at BoA, CC/DC for personal Checking at Wells Fargo, CC/DC for Biz account at Wells Fargo).

And all those Credit cards were automatically sent to me. I just opened the checking accounts.

 

[andylawcc]

Originally posted by: Dragnov

Originally posted by: handoverfist
Do you have a card through mbna? If so, that might be why. They merged with BoA.

^What he said.

I got a new shiney black BofA credit card in the mail and had no idea what it was originally. I didn't apply for anything and it certainly wasn't a new BofA check card. Isntead it was replacement of my old MBNA credit card.

omg, same here. except I do NOT have a mBNA card.... what the hell is going on?

I hope what gsethi said is a valid explanation. (open checking = new CC)

 

[igowerf]

Don't you have to activate it first?

 

[gsethi]

Originally posted by: igowerf
Don't you have to activate it first?

yes, you do have to activate your CC to use it. Even if you dont activate it, it will show up on your credit history.

 

[intogamer]

Originally posted by: andylawcc

Originally posted by: Dragnov

Originally posted by: handoverfist
Do you have a card through mbna? If so, that might be why. They merged with BoA.

^What he said.

I got a new shiney black BofA credit card in the mail and had no idea what it was originally. I didn't apply for anything and it certainly wasn't a new BofA check card. Isntead it was replacement of my old MBNA credit card.

omg, same here. except I do NOT have a mBNA card.... what the hell is going on?

I hope what gsethi said is a valid explanation. (open checking = new CC)

CC/Debit card is standard now?