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Learning, Sharing, and Teaching => Ask a Mustachian => Topic started by: geekette on February 21, 2017, 10:53:41 AM

Title: Receiving credit card denials and offers - but they're not for us!
Post by: geekette on February 21, 2017, 10:53:41 AM

A month or so ago we got a denial letter for someone at our address, but not our name (we've lived here 24 years).  Today we got a pre-approved "CreditOne" offer for the same person.

I looked up the name on the web and while I got several hits for the name, none in my city (it's a fairly common hispanic name).

I'm uneasy, but...not my name, just my address.  Should I be concerned?

Title: Re: Receiving credit card denials and offers - but they're not for us!
Post by: extremedefense on February 21, 2017, 11:03:20 AM

Credit one is a terrible 'imitation' of Capital one. Don't sweat it, don't apply for it. Not only is there an annual fee, but interest accrues from the date of purchase, not from a statement balance rolling into the next statement.

 I would just trash it.

Title: Re: Receiving credit card denials and offers - but they're not for us!
Post by: Sibley on February 21, 2017, 11:06:58 AM

For peace of mind, check your credit reports. Which you should do periodically anyway.

Title: Re: Receiving credit card denials and offers - but they're not for us!
Post by: ShoulderThingThatGoesUp on February 21, 2017, 11:10:47 AM

I keep getting these, and it turns out it's for somebody who lives st 555 North 233rd Street instead of 555 South 233rd Street as I do.

(Obviously that isn't my real address.)

Title: Re: Receiving credit card denials and offers - but they're not for us!
Post by: DailyGrindFree on February 21, 2017, 11:13:53 AM

Quote from: Sibley on February 21, 2017, 11:06:58 AM

For peace of mind, check your credit reports. Which you should do periodically anyway.

+1. If I were you I would check my. credit report. Just in case.