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Started By
Message
Receiving new credit cards without applying
Posted on 9/23/25 at 8:08 am
Posted on 9/23/25 at 8:08 am
Is this a new thing? Yesterday's USPS mail brought me a new PayPal Mastercard without even applying for it. Last year, same situation with a Care Credit Mastercard that was sent to me without applying.
Yes, prior to that I've had a standard PayPal account for my eBay purchases and a Care Credit account for my visits to the dentist and vet.
Then they send me a new credit card with a nice credit limit and of course I will activate it. Of course I don't have to and I'm not complaining, but is this a new thing now?
Yes, prior to that I've had a standard PayPal account for my eBay purchases and a Care Credit account for my visits to the dentist and vet.
Then they send me a new credit card with a nice credit limit and of course I will activate it. Of course I don't have to and I'm not complaining, but is this a new thing now?
13
Posted on 9/23/25 at 8:10 am to Palomitz
It actually has your name on it and everything or is it a promo card?
Posted on 9/23/25 at 8:10 am to Palomitz
quote:
but is this a new thing now?
I don’t think so
I’d freeze my credit & research if there’s more in your name
Posted on 9/23/25 at 8:11 am to Palomitz
Sounds like your previous cards expired and they sent you a new one.
Have you been adulting long?
Have you been adulting long?
Posted on 9/23/25 at 8:13 am to Palomitz
It's not near as bad as it was 20 years ago.
If you were a college grad with a job they would send you pre approved $5,000.00 cards 3 -4 a week.
All you had to do was call the number to activate
AI - Credit card companies were sanctioned for targeting college students, not just college graduates, with aggressive and often deceptive marketing practices. The resulting legislation, most notably the Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009, put a stop to many of the most predatory practices.
If you were a college grad with a job they would send you pre approved $5,000.00 cards 3 -4 a week.
All you had to do was call the number to activate
AI - Credit card companies were sanctioned for targeting college students, not just college graduates, with aggressive and often deceptive marketing practices. The resulting legislation, most notably the Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009, put a stop to many of the most predatory practices.
Posted on 9/23/25 at 8:14 am to Palomitz
quote:
PayPal Mastercard without even applying for it.
Ummm, this happened to me as well just last week.
Posted on 9/23/25 at 8:16 am to Palomitz
Probably a promo card. Cut it in 10-15 pieces and throw that shite in the trash.
Posted on 9/23/25 at 8:17 am to PCRammer
Call PayPal security and report it.cut up card .do not call any number on card.
Posted on 9/23/25 at 8:21 am to SallysHuman
Sounds like your previous cards expired and they sent you a new one.
Have you been adulting long?
—-
As certain as death and taxes, credit card companies will remember to send you a new card before the other expires.
Have you been adulting long?
—-
As certain as death and taxes, credit card companies will remember to send you a new card before the other expires.
Posted on 9/23/25 at 8:22 am to Palomitz
AmEx delivered a corporate one, unannounced, to one of my relative's businesses, during the holidays, with "your new card is enclosed" on the envelope.
Of course, thieves got it and ran it up before they cancelled it.
I think the companies are making so much of the fees, interest, and penalties that they can absorb the risks costs.
Of course, thieves got it and ran it up before they cancelled it.
I think the companies are making so much of the fees, interest, and penalties that they can absorb the risks costs.
Posted on 9/23/25 at 8:37 am to Palomitz
Yes. Go ahead and use it. No strings attached.
Posted on 9/23/25 at 8:37 am to Palomitz
quote:
Yesterday's USPS mail brought me a new PayPal Mastercard without even applying for it.
Did you have a PayPal Credit/Bill Me Later line of credit? It's attached to that. There was never a physical card until now. I got an email about three weeks ago saying they were going to send it to me. I wasn't sure how to decline it besides not activating it once it arrived. My credit line would be the same as it was without the card, it just makes it "easier" to charge things now, swiping the card at a store in addition to buying something online. Their six month no interest in purchases over $149 is nice, I've used it several times.
Posted on 9/23/25 at 8:41 am to Palomitz
If you have a PayPal Credit account, you’ll be getting a card. You must have used PayPal Credit for something in the past.
Posted on 9/23/25 at 8:46 am to TommyCheeseballs
quote:
Did you have a PayPal Credit/Bill Me Later line of credit? It's attached to that. There was never a physical card until now. I got an email about three weeks ago saying they were going to send it to me. I wasn't sure how to decline it besides not activating it once it arrived. My credit line would be the same as it was without the card, it just makes it "easier" to charge things now, swiping the card at a store in addition to buying something online
Yes I did. OK this seems to be the logical reason behind it. And I probably never saw the email b/c most likely it went to my spam folder. It makes sense now and probably a similar situation occurred with my Care Credit M/C.
Posted on 9/23/25 at 8:54 am to Palomitz
It means your identity was stolen
Posted on 9/23/25 at 9:20 am to Palomitz
Yep, sounds like physical cards for credit that was previously extended to you.
On a related note, Wells Fargo got smacked for giving out consumer credit lines to existing clients who never applied for them (IIRC, to boost retail production numbers).
I’m not sure it that violates any federal banking regulations (maybe Truth in Lending Law), but it certainly got a lot of people fired (rightfully so).
On a related note, Wells Fargo got smacked for giving out consumer credit lines to existing clients who never applied for them (IIRC, to boost retail production numbers).
I’m not sure it that violates any federal banking regulations (maybe Truth in Lending Law), but it certainly got a lot of people fired (rightfully so).
Posted on 9/23/25 at 9:47 am to 756
quote:
cut up card
Don't do this, it's not 1985. Every $30 shredder can ingest and shred cards, including the EMV (chip) and all the track data. Cutting a credit card into 12 pieces and throwing it in the same garbage bag is amateur hour.
Posted on 9/23/25 at 9:48 am to Palomitz
quote:
I don’t think so
I’d freeze my credit & research if there’s more in your name
this
Posted on 9/23/25 at 11:07 am to Palomitz
Why activate an unrequested credit card?
You've just opened yourself up to another fraud portal. Regardless of the interest rate, which you didn't mention but should have.
You've just opened yourself up to another fraud portal. Regardless of the interest rate, which you didn't mention but should have.
Posted on 9/23/25 at 2:11 pm to Harry Morgan
quote:
Yes. Go ahead and use it. No strings attached.
Absolutely, max it out and tell them you thought it was a gift card since you didn’t order it…
This post was edited on 9/23/25 at 2:12 pm
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