Didn't apply and got a CC in the mail...

[icebrat001]

I check the mail today (6pm, mail is always late) and I got a credit card I didn't apply for. I don't want it and the interest rate sucks, I have a credit card with a credit interest rate (rarely carry a balance) Should I contact the issuer and ask them when, why and how I got this card and that I don't want it? Or should I contact the issuer ask them the same questions and keep it to build my credit? It has a steep annual fee.

 

[Nancy]

Is it a regular Visa/Mastercard cc or one of those "scam" cards as I call them. They look like a CC, but when you read the fine print, you can only order from things from their catalog to use it...and you get a small limit...and you have this fee and that fee so if you want it, you pay almost your entire available balance in fees. I got one of those a few weeks ago had fun cutting it up and tossing it.

 

[sweet angel]

If it's got a high interest rate and an annual fee, I'd call them and cancel it and ask why/how you were issued this card when you didn't apply for it.

 

[luv2nascar]

I'd check my credit report if it an actual credit card? Someone maybe getting credit cards in your name.

 

[kristen821]

I would never keep a cc with a yearly fee. They charge so much in interest they don't need to charge me any extra!

 

[icebrat001]

It's an actual visa, not one of the mail order Credit cards.

So strange.
I'll call them

 

[MoniqueU]

I Just was issued what I think is a new Discover Card without asking. I do want keep it though because I like the balance transfer option they gave me.
It was very paculiar though.

 

[tmt martins]

Sometimes if you have a Walmart or Sears or other department store card they get bought-out and automaticly convert to the issuer card (visa ,mc,dis.) .I would call and cancel it anyhow Just because of the Yearly fees.