@Anonymous wrote:
@Anonymous wrote:
I was tricked because i was told no credit was involved and that it was just a payment plan
Again, you might have interpreted the salesperson's payment plan offering as something other than a credit card, but they still didn't "trick" you. At some point you had to have signed off on the application for credit. While many times these forms are long and contain a lot of fine print, I promise that whatever you filled out and signed told you what you were applying for. If I had to guess, what happened was that the salesperson/cashier told you that you can put your purchase on a payment plan. You agreed and signed/submitted some sort of form or application for the plan. You did not read the application (or at least the fine print) and just assumed you needed to sign it and give your personal information for a simple payment plan. Afterwards you get approved for the Care Credit card. If this is the scenario, you were NOT tricked. You were simply negligent and did not read what you were signing.
As a general rule, if something/someone is requesting your SSN, you should probably read everything on that form. Your SSN is your entire life, just willy-nilly throwing it out there can be very dangerous (even at seemingly legitimate places like doctor's office/eyeglass retailer). While you probably do not think you just "willy-nilly" provided your SSN, it is clear you did, because you gave someone your SSN without fully understanding its use (never just take a cashier/salesperson's word for granted, read the fine print always!).
Now im trying to get the credit card company to void my application
I promise you that you cannot get that hard pull removed from your credit report. It is there to stay.
@Anonymous wrote:
if this does not work though i will recieve the care credit card with a $0 balance and willt han have to close it.
how negatively will this affect my score?
Why do you "have to close it"? I understand that you mistakenly applied for a credit card that you did not want and now feel like you were "tricked", but reacting to that by just closing the account makes no sense. You have the hard pull and new account on your credit report, nothing will change that. From this point forward you only recieve positive benefits from the card. Closing the account is only another negative. I honestly don't see the rationale here, even if you don't plan on using the card. Keep it open, get an improved score via credit mix and revolving credit, have care credit just in case you need to pay for a medicial emergency in the future, and nothing bad happens. Or, you close the account for seemingly no reason and the only thing that happens is that other creditors see you opened and immediately closed your FIRST line of revolving credit. Some banks will look at that very unfavorably when you inevitably go to apply for revoling credit/a loan later in your lafe.
PS: Not trying to sound rude here, I'm just a straight shooter. Best of luck.
I am going to disagree and think it's not as black and white as you are making out. She was at the office and could have thought they needed the SSN to check the insurance. Or perhaps they didn't even ask since they propably had it on file. The office probably just said "we can set you up with a payment plan, how does that sound to you?" OP said "Sure" and they had all the info they needed to run the app.
OP I would chalk this up to lesson learned the hard way and close the account if that is what you truly want to do.
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