topic Re: Help! American Eagle tricked me into applying for their credit card! in Credit Cards

Help! American Eagle tricked me into applying for their credit card!

Anonymous — Tue, 27 May 2008 04:18:00 GMT

I recently purchased a couple of shirts at American Eagle, and I was told I could save 15% by signing up for the "All Access Pass". I was under the impression that this would just be an easy way of getting a discount on my purchase. The store clerk never told me I was applying for a credit account. Now I'm stuck with a hard pull on my credit report for an AE Credit Card with a $600 dollar limit. Should I dispute the opening of the account with American Eagle, pay it off and leave the account open, or close the account immediately?

Re: Help! American Eagle tricked me into applying for their credit card!

Anonymous — Tue, 27 May 2008 04:25:29 GMT

Didn't you give your SS#? If you did, I would say definitely no luck. If you didn't, my guess is still no luck but you may have an argument.

Re: Help! American Eagle tricked me into applying for their credit card!

Red1Blue — Tue, 27 May 2008 04:26:59 GMT

Leave it alone and let the account age. It is too late to do any thing about it. At least you got the card with the hard inq. After 6 months the effect of new account and hard inq will be lessen.

Re: Help! American Eagle tricked me into applying for their credit card!

Anonymous — Tue, 27 May 2008 04:30:10 GMT

Just pay it and leave it alone. Chances are they will close it for you after a year of inactivity anyways.

Re: Help! American Eagle tricked me into applying for their credit card!

Anonymous — Tue, 27 May 2008 04:38:27 GMT

Unfortunately, I did give my SSN. I guess that is the magic number for them being able to open a credit account in my name...

Re: Help! American Eagle tricked me into applying for their credit card!

Anonymous — Tue, 27 May 2008 11:39:29 GMT

I did the same thing 2 weeks ago.

Re: Help! American Eagle tricked me into applying for their credit card!

Anonymous — Tue, 27 May 2008 11:49:20 GMT

I signed up for the AE all access pass a year or so ago, I didn't give nor was I asked for my SSN so I never got a cc from them but got my all access pass in the mail a few weeks later. I would keep the cl even if you don't use it.

Re: Help! American Eagle tricked me into applying for their credit card!

Anonymous — Mon, 11 Aug 2008 17:07:59 GMT

I agree - keep it. A $600 CL from them is high, from what I've seen on these boards. I just applied last week and got a measly $250. They're not big on giving decent CLs. Use it, PIF and let it age...