|
Posted by kjw on October 9, 2006, 10:20 am
Please log in for more thread options wrote:
>
>> I had this exact thing happen a few months ago. Same bank, same card,
>> everything. I talked to customer service and was told that BofA is
>> running a contest for the tellers on opening up these accounts (at
>> least they were about 3 months ago).
>>
>> My wife, who was the one that "gave" permission, said that she was
>> mearly asked if she would like some info sent about the card. Less
>> than a week later, new credit card.
>>
>> We immediately called to complain and to cancel the card, but the
>> damage was done as far as the inquiry. They did add a note (or said
>> they did) to the account to note why it was closed.
>>
>> Did the original poster have any similar interactions with a teller?
>
>What damage was done? Those inquiries should not show up on the reports
>that potential creditors see. I agree though that these kinds of
>promotions ought to stop for those who do not want them. There are ways
>to request that your credit record never be used for solicitations, but
>they seem ineffective in my experience.
Maybe damage is a strong word, but the bank ran our credit, which
drops the FICO score by a few points.
And why wouldn't the inquiry show up? This wasn't a simple
pre-authorization. This was the same type of inquiy that shows up any
time credit is requested (even though we didn't know what the teller
was up to).
| 
Yahoo! 
Google 
Windows Live 
del.icio.us 
digg 
Netscape 
XML Sitemap