Answers About Credit Card Solicitations
Select from the following questions about credit card offers.
The bank keeps calling me about applying for a credit card. I told them to stop, but they keep calling. Can the bank do this?
Contact the bank in writing, requesting that they stop the solicitation calls.
Another way to reduce solicitations: Register on the National Do Not Call Registry. Most telemarketers won't call once your phone number has been registered for 31 days. There are two ways to sign up:
- Register online for the National Do Not Call Registry
- Register by phone at 1-888-382-1222 (toll-free)
The bank sent me a credit card that I didn't request. Isn't this against the law?
Generally, credit cards may be issued only in these three instances:
- in response to an oral or written request,
- in response to an application, or
- as a renewal of or substitution for a credit card that has already been accepted by the customer.
Unfortunately, there's one other possibility. Receiving an unsolicited card could mean that a third party has applied for the card after stealing your identity. To see if this is the case, start by ordering a copy of your credit report. You can order one free credit report every 12 months through www.annualcreditreport.com or by calling 1-877-322-8228.