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Posted: 5/11/2024 6:35:07 PM EDT
Navy Fed sent me a new credit card. Just out of the blue. I didn't apply for it. No credit inquires on my credit report.
I'll throw it in the safe as an emergency card, I guess. |
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Posted: 5/11/2024 6:39:41 PM EDT
[#1]
Is it just a new Cucard? I'd be calling nfcu.
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Posted: 5/11/2024 6:48:43 PM EDT
[Last Edit: cavedog]
[#2]
I'd reach out to NF to see whats up. Your account or your identity may have been hacked.
https://www.nolo.com/legal-encyclopedia/what-should-i-i-new-replacement-credit-card-i-didn-t-request.html |
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Posted: 5/11/2024 6:51:42 PM EDT
[Last Edit: MidMichHunter]
[#3]
If you don’t have a relationship with NFCU, I’d call’em NOW and freeze your credit. Even if you do have a relationship with them, still call and ask why. Without your authorization, they cannot open an account for you. Something is up.
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Posted: 5/11/2024 6:58:56 PM EDT
[#4]
Ruh Roh!
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Posted: 5/11/2024 7:16:48 PM EDT
[#5]
https://www.helpwithmybank.gov/help-topics/credit-cards/pre-approvals-solicitations/solicitation-new-card.html
The Truth in Lending Act prohibits a bank from issuing credit cards except in response to an oral or written request or application for the card, or as a renewal of, or substitute for, an accepted credit card. Otherwise, if you receive an unsolicited card you should contact your bank promptly. Occasionally, a bank may issue a credit card in error. In such a case, you should direct the bank to close the account and remove any record of the account from your credit history. Receiving an unsolicited card also could mean that a third party has applied for the card after stealing your identity. If you suspect identity theft, you should order a copy of your credit report. You can order one free credit report every 12 months through www.annualcreditreport.com or by calling (877) 322-8228. For more information about identity theft, see "I believe I have been a victim of identity theft. How can I clear my name?" |
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Posted: 5/11/2024 7:18:08 PM EDT
[#6]
Quote HistoryOriginally Posted By MHowski: https://www.helpwithmybank.gov/help-topics/credit-cards/pre-approvals-solicitations/solicitation-new-card.html You beat me to it. |
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Posted: 5/11/2024 7:24:00 PM EDT
[#7]
Quote HistoryOriginally Posted By MidMichHunter: If you don't have a relationship with NFCU, I'd call'em NOW and freeze your credit. Even if you do have a relationship with them, still call and ask why. Without your authorization, they cannot open an account for you. Something is up. |
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Posted: 5/11/2024 7:26:49 PM EDT
[#8]
On chat with Navy Fed now.
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Posted: 5/11/2024 7:27:08 PM EDT
[#9]
My wife got turned down for a J.Jill credit card.
Credit score of 850.  |
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Posted: 5/11/2024 7:29:45 PM EDT
[#10]
Quote HistoryOriginally Posted By nightstalker: My wife got turned down for a J.Jill credit card. Credit score of 850. Somebody did you a solid. |
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Posted: 5/11/2024 7:31:12 PM EDT
[#11]
Quote HistoryOriginally Posted By VacaDuck: I do. Have three accounts with them plus a different credit card. Quote HistoryOriginally Posted By VacaDuck: Originally Posted By MidMichHunter: If you don't have a relationship with NFCU, I'd call'em NOW and freeze your credit. Even if you do have a relationship with them, still call and ask why. Without your authorization, they cannot open an account for you. Something is up. Good, probably a card reissue situation which could be card number change, expiration or they changed processors. Probably not as bad as it sounded. |
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Posted: 5/11/2024 7:39:06 PM EDT
[#12]
Apparently, I did apply for it. Last Friday night when I was deep into a bottle of bourbon. That's a first for me.
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Posted: 5/11/2024 7:50:12 PM EDT
[#13]
 well there it is! |
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MS, USA
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Posted: 5/11/2024 7:53:38 PM EDT
[#14]
They stuff my damn mailbox with them.
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Posted: 5/11/2024 8:46:55 PM EDT
[#15]
Quote HistoryOriginally Posted By osprey21: well there it is! |
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Posted: 5/11/2024 8:49:05 PM EDT
[#16]
Quote HistoryOriginally Posted By VacaDuck: Apparently, I did apply for it. Last Friday night when I was deep into a bottle of bourbon. That's a first for me. How drunk do you have to be to apply for a credit card and not remember? |
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AL, USA
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Posted: 5/11/2024 8:50:55 PM EDT
[Last Edit: AttachedFile]
[#17]
Quote HistoryOriginally Posted By michigan66: You beat me to it. Quote HistoryOriginally Posted By michigan66: Originally Posted By MHowski: https://www.helpwithmybank.gov/help-topics/credit-cards/pre-approvals-solicitations/solicitation-new-card.html You beat me to it. Was about to post this. I remember when loan companies would send a live check at random, never had any contact with them. All illegal now. Edit. After seeing you have a card with them. Are you sure it isn't to replace a current card that's about to expire? My new bank card showed up this week because my current card is about to expire. I didn't request it. In the past I had to request one if it was about to expire. Edit 2. Posted By VacaDuck: Apparently, I did apply for it. Last Friday night when I was deep into a bottle of bourbon. That's a first for me. Well shit OP. Do us a solid. Have a few bourbons, log into gunbroker or something and let's buy some shit!! Keep us posted on purchases. |
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Posted: 5/11/2024 8:51:15 PM EDT
[#18]
Quote HistoryOriginally Posted By VacaDuck: Apparently, I did apply for it. Last Friday night when I was deep into a bottle of bourbon. That's a first for me. 
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Posted: 5/11/2024 8:52:04 PM EDT
[#19]
Quote HistoryOriginally Posted By VacaDuck: Apparently, I did apply for it. Last Friday night when I was deep into a bottle of bourbon. That's a first for me. 
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Posted: 5/11/2024 8:53:02 PM EDT
[#20]
Quote HistoryOriginally Posted By UV18: How drunk do you have to be to apply for a credit card and not remember? |
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Posted: 5/11/2024 9:36:43 PM EDT
[Last Edit: MidMichHunter]
[#21]
Quote HistoryOriginally Posted By VacaDuck: About 3/4 of a bottle deep. Quote HistoryOriginally Posted By VacaDuck: Originally Posted By UV18: How drunk do you have to be to apply for a credit card and not remember? Glad you didn’t finish the whole bottle, who knows what you would have done. Glad it wasn’t an identity theft situation. |
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KY, USA
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Posted: 5/11/2024 9:45:34 PM EDT
[#22]
Quote HistoryOriginally Posted By VacaDuck: Apparently, I did apply for it. Last Friday night when I was deep into a bottle of bourbon. That's a first for me.  Attached File |
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MD, USA
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Posted: 5/11/2024 9:49:34 PM EDT
[Last Edit: Ranxerox911]
[#23]
Quote HistoryOriginally Posted By VacaDuck: Apparently, I did apply for it. Last Friday night when I was deep into a bottle of bourbon. That's a first for me. Better a Spendy Drunk than a Mean Drunk, I suppose. You should probably stay away from Ambien to be on the safe side. ETA: Let us know when you order that big motor yacht -we'll help you break it in.
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