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If I apply for a credit card online and am approved – am I committed?
Posted on June 15th, 2009 8 comments
Allie asked:
If I apply and am approved do I then have no choice? Like will I be committed to taking/having the credit card?
JOAN8 responses to “If I apply for a credit card online and am approved – am I committed?”
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Call the company and find out.
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elaeblue June 17th, 2009 at 06:04
No you can at any time send the card back to the company or simply destroy it and notify them you no longer need credit from them.
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snagelfritz June 18th, 2009 at 01:56
They may send you the card. But, it not mean you have to use it. Cut it up, throw it away and call them to cancel.
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alterfemego June 19th, 2009 at 05:17
No, when you receive the card do not activate it. Call the 800 # and tell them to cancel the card. Unfortunately, the hit is already on your credit report that you applied for credit.
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kaffegeek June 22nd, 2009 at 01:37
if you change you mind just cut up the card and call them. you have no commitment to use it, just to pay it if you do.
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Ask M June 25th, 2009 at 08:46
yes, but it doesn’t mean you have to use it and since you haven’t used it yet or rec’d it yet you can cancel immediately
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If you get approved for a credit card,you will receive it in the mail.There is a sticker with a number you have to call in order to get it activated.It is totally up to you whether you would like to do that or not.No obligations.
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ione_thestar June 28th, 2009 at 17:24
If the credit card you receive has been approved for use by you, then you can immediately use it. If you don’t want it activated, you will have to contact the credit card company immediately. A word of advice: I would call the credit card company and tell them that it was lost. Keep a journal of what date and time you did this and whom you spoke with. This will “definitely” stop the credit card for good. Peace, Love and God Bless.
myself June 16th, 2009 at 21:52