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Getting A US Credit Card I Didn’t Request

Receiving a credit card in the mail that you didn’t request could mean two things. It may indicate identity theft or be an issuer’s error. This is what you need to do:

Don’t Activate the Credit Card

Do not activate the credit card. Activating the card is to acknowledge receipt and waive consent. It is your responsibility to pay for any charges made using it.

Contact the Credit Card Issuer

Call the issuer’s customer service hotline. The contact information is printed on the card or posted on their website. Explain that you received a credit card you did not request. They will ask you for details about the card. They may advise you to return or destroy it.

Check Your Credit Reports

Get a copy of your credit report from TransUnion, Equifax, and Experian. Go to AnnualCreditReport.com. You can request yearly for free. Examine your credit records thoroughly. Look for any unauthorized activities. Report any fraudulent transactions right away.

Place a Fraud Alert or Credit Freeze

Put a fraud alert or credit freeze on your credit reports. This prevents future unauthorized accounts from being opened under your name. Fraud alerts require creditors to take extra measures. It is important to verify your identity to approve credit requests. There will be a restricted access to your credit report with a credit freeze.

Monitor Your Accounts

Monitor your financial accounts for any suspicious activity. Report any fraudulent transactions immediately.

  • Bank accounts
  • Credit cards
  • Investment accounts

File a Complaint

Protect yourself from identity theft. File a complaint with the Federal Trade Commission (FTC) online or over the phone. The FTC advises on actions you may take in the event of identity theft.

Minimize the potential impact of receiving an unauthorized credit card. Protect yourself against future identity theft or fraud. Identity theft can have a long-term impact. Stay vigilant.

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