what if you lie to get a credit card?

[alee25]

on the amex blue site, it looks pretty easy to make up some figures form income and residence.

I want an amex blue card but since im a student (dont want the student one b/c no pricematch) they declined me.

So my question is what if i make up some info in order to get approved? will they ever find out if i always pay my bills on time?

 

[Scootin159]

it's just credit card fraud

 

[arigato]

I believe they verify all of your information so anything that isn't correct they will probably catch and still decline you.

 

[Fausto]

Well if nothing else, they'll likely do a little checking as to your past credit history and you won't get it regardless of what you say on the app. Wanna get endless pre-approved CC's in the mail? Buy a house. I get at least one every day....apparently if you're willing to soak yourself with a 30 year commitment to a loan, they're willing to sport you a credit line of $5000 or so. Vultures.

Fausto

 

[Valhalla1]

the only thing they can do is check your credit report as far as I know, and nowhere on my credit report does it list my income, (although I wish it did, I have been turned down for amex blue because of my age and demographics, if they knew how much money I made they would be groveling to give me credit.. fewls)

 

[alee25]

but .... if they caught me, is it highly illegal for credit card fraud, meaning punishable by law?

the only thing i foresee is that if they catch me ill probblay never ever able to get amex blue again

 

[DaveJ]

<< Wanna get endless pre-approved CC's in the mail? Buy a house. >>



Geez, no kidding.... I get at least 3 or 4 a week since I bought my house last August... Last week I even got an offer for a $20K Home Equity loan, for my parents' house! :Q Apparently they think because I lived there for 3 months before I bought my house that I must be the owner... The same company sent me the same offer about a week later for this house...

At least they got it right the second time around...

Dave

 

[mrCide]

build up some credit..

im 19 and have never had a job, i was doing contract web design so i put that as my employer. i got approved.

 

[BrunoPuntzJones]

<< but .... if they caught me, is it highly illegal for credit card fraud, meaning punishable by law?

the only thing i foresee is that if they catch me ill probblay never ever able to get amex blue again >>

You could kiss your chances of getting anything goodbye, not just Blue. I would think they would be able to tag on that credit report that you lied on an application.

 

[Scootin159]

<< but .... if they caught me, is it highly illegal for credit card fraud, meaning punishable by law?

the only thing i foresee is that if they catch me ill probblay never ever able to get amex blue again >>



With as frail as credit ratings are, I wouldn't want to give the credit card company ANY reason to bash me.

 

[Sophia]

Fausto1 (and others being flooded with applications),

Here's an opt-out number.
Credit Bureaus
The credit bureaus offer a toll-free number that enables you to "opt-out" of having pre-approved credit offers sent to you for two years. Call 1-888-5-OPTOUT (567-8688) for more information.

More info from the FTC