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Credit card from bank "stolen" before I even activated. …

https://www.reddit.com/r/personalfinance/comments/r52ht7/credit_card_from_bank_stolen_before_i_even

Thief got a hold of the card # generation algorithm. Thief got your banking credentials. Merchant used old card # and your bank let it through anyway on the new card. before I even activate the card and ever use it? The account linked to by the new card number is already active. The thief never used your physical card (which wasn’t activated).

Credit Card Fraud: Card stolen from mail and activated … …

https://www.reddit.com/r/CreditCards/comments/r6tmpy/credit_card_fraud_card_stolen_from_mail_and/

Credit Card Fraud: Card stolen from mail and activated with a spoofed number Why would a criminal spoof a victim’s phone number to activate a credit card that they stole from the mail? I applied for a credit card and was approved.

Fraud on Credit Card – Freshly Activated, Never Used… – reddit.com

https://www.reddit.com/r/personalfinance/comments/bjhbv3/fraud_on_credit_card_freshly_activated_never_used/

Credit. This is a new one to me. I have a dedicated card for gas purchases – to shield my other lines of credit from potential skimmers. So I almost expect to see fraud on it, however in this case the fraud appeared a few hours after I activated it (new card – as old was expiring). These fraudulent charges appeared before I even used it myself.

Received credit card without applying, never activated, …

https://www.reddit.com/r/personalfinance/comments/2xgar3/received_credit_card_without_applying_never/

Received credit card without applying, never activated, have I made a mistake? Auto. When I opened my UK student account back in 2011, I was given a credit card along with my debit card despite not asking for one. I had no idea about credit scores or anything of that nature – I just had a knee jerk "don’t let yourself get into debt" reaction. I asked about not having the card but the …

When is it okay to cancel your first credit card? – reddit

https://www.reddit.com/r/personalfinance/comments/2tkqq5/when_is_it_okay_to_cancel_your_first_credit_card/

I’ve been told before that people should never cancel their first credit card, but was not given any reasoning.. Story: I am from Virginia, now living in Colorado (with no BoA anywhere). Bank of America sold my checking/savings account to some local bank based out of West Virginia so I switched those over to Wells Fargo this fall but kept my credit card with BoA.

[US] How / When / Why to cancel a credit card – reddit

https://www.reddit.com/r/personalfinance/comments/2z0np2/us_how_when_why_to_cancel_a_credit_card/

A higher total credit line helps your score because one of the big factors in calculating your score is the percentage of how much available credit your are utilizing. If you are using 90% of the credit available to you, a bank will look at you as high risk. So for example say you only have a $1000 line of credit to your name, and you borrow $900.

People Also Ask cancel credit card never activated reddit

Will a never activated credit card hurt my credit score?

Instead of looking at a never activated credit card as a possible threat to your credit score — which it isn’t — think of the potential to use the card to help build your credit. The credit card issuer has already decided that you are creditworthy enough to receive the new card.

Should I cancel my new credit card account?

Closing your new credit card account might actually hurt your credit score, because it would reduce your total available credit and thus make your credit utilization ratio look higher to the credit reporting agencies. If you’re having doubts about whether you actually want your new card, you can always cancel it.

What happens if I don’t Activate my Card?

Your account is considered open from the date you’re approved for the card. If you don’t activate your card your account will still be open, you just won’t be able to use it.

What happens when you get a new credit card?

The credit card issuer has already decided that you are creditworthy enough to receive the new card. As long as you can use your new credit limit responsibly, your new card can be a source of convenient spending, cash flow management, and can even help you build your credit over time.

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