Reply
New Member
Posts: 1
Registered: ‎04-27-2009
0

Tricked into a new credit card

New to this forum.  I am curious if anyone has had this happen to them and what they did about it.  When checking out at a major department store, my wife used her store card. The account is in my name.  A discount was applied to her purchases and she signed her name for the purchases.  Days later a new Master Card arrived in the mail in my name, a bill for the purchases, and I received a myFICO alert telling me that my score was negatively impacted by this.  My wife did not realize the discount would cause this, nor what the checkout clerk was doing.  She thought she was paying with her store card.  Since I was not in the store when this occurred, I was quite surprised to get a credit card in my name, and irritated by the impact on my FICO  Score.  Thoughts?
Epic Contributor
Posts: 24,097
Registered: ‎10-23-2007
0

Re: Tricked into a new credit card

I guess I'm not following, is this macy's? is your wife auth on your card? at check out with the macy's store card they will sometimes pre-approve you for the visa and the clerk may have just hit except without even saying anything and the card would be sent to you.
Fico Scores: EQ- 647., TU 705 Sync, EX 700 (04/07/15)
I'm just trying to catch up to RON1
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
80 Cards and Counting :smileytongue:
Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Tricked into a new credit card

Sounds like Sears. If so she should have been given a disclosure form at the checkout counter. I'm sure the clerk was pushing the account as hard as possible - they get a spiff for that you know. Of course no one else can apply for credit in your name (legally), so you could get the whole thing reversed if you wanted to. You could make them remove the INQ and the new account.
Super Contributor
Posts: 5,703
Registered: ‎10-06-2007
0

Re: Tricked into a new credit card

When I go to Sams, once in awhile the checkout person says I am approved for their Discover branded card so this is common.  IMHO technically, your wife comminted ID theft since she open a new account in your name even though he was an AU on the store card. 
11/28/2014 FICO: EQ: 796 EX:788 TU:803
Senior Contributor
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Tricked into a new credit card


marty56 wrote:
When I go to Sams, once in awhile the checkout person says I am approved for their Discover branded card so this is common.  IMHO technically, your wife comminted ID theft since she open a new account in your name even though he was an AU on the store card. 

 

I think the proper interpretation is that the store forced the transaction and was the party here who comitted a fraud. The clerk could have a lot of explaining to do. Why bother risking your job for a very minor spiff?
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.