@iced wrote:
@Anonymous wrote:I'm the one with the AMEX Hilton...I got sidetracked partway through the app and never sent it. I've been told by other posters that it's impossible, but I was there and KNOW I never completed the app. I meant to complete the app, just never quite got that far...I was at work and the phone rang and I never circled back on it.
As far as one just showing up with you not requesting it, I can't imagine that's even legal unless it replaces an existing account. Not that an AMEX Green showing up in the mailbox would be a bad thing...
A new account on your report you didn't ask for that has an AF to boot is not only a bad thing, that's a Wells-Fargo level of shady bad.
+1
The Truth In Lending Act specifically states that “no credit card shall be issued except in response to a request or application therefor.” It further specifies that this prohibition does not apply to the issuance of a credit card renewal or substitution (15 U.S.C. 1642). The Truth in Lending regulations clarify that, regardless of the purpose for which a credit card is to be used, including business, commercial, or agricultural use, no credit card may be issued to any person except: (1) in response to an oral or written request or application for the card; or (2) as a renewal of, or substitute for, an accepted credit card (12 C.F.R. 226.12).
