Cap one, didn't send form back but got card

sinar

Hi,

I recently applied for the Capital One card which gave you 0% on purchases until November 2009, however I did not get that card, and they offered me a card which gave me interest free on purchases until May 2009.

They sent me the form to sign and return, but as I did not want the card with 0% only until May, I just shredded the form thinking that would be the end of my application as they would not take i any further action without the signed form.

Today I've received a Capital One Platinum card in the post, how can they send me one when I have not signed the credit agreement? Is this normal practice, its seems very odd to me.

Julie

methusala_2

cap 1 are renowned for doing that. sending you a card you wouldn't have applied for cos you failed thier criteria for the one you applied for. I just didnt activate my card and cut it up and sent it back registered post. The damage is done re-the search on your credit file but if you follow what I did, do check your credit file in a month or so to make sure they havn't added the card to your record or it will show as un-used credit, ie again hitting your credit score

oldagetraveller

I'd not activate it, as previous, but if you opt to cut it up and send it back enclose a letter to cancel the account and ask for written confirmation that it is cancelled.
Personally I'd just send send a cancellation letter and tell them the card has been destroyed safely. This has been accepted when I've cancelled CC accounts in the past. You save a bit of money then and just use normal mail!

sinar

Thanks for the replies, I'll cut it up and send them a letter asking them to cancel it,

Julie

robpw2

you could send it here id be happy to have a platinum credit card lol

maka_2

just to put my 2p in cap one are a right pain in the !!!! i owe them £7.00 and its 3 days late thats all, and yesterday i was at a funeral turned my phone on after the funeral and had 17 answerphone messages from them got home and also had 14 answerphone message from them all for £7.00 are times that hard for them? thing that really gets on my nerves is they owe me £600 in charges but are refusing to give them back:mad:

Paul_Herring

Sounds like the form you shredded may have been an 'opt-out' form; i.e. "We'll send you this inferior card based on your initial application unless you inform us otherwise."

YorkshireBoy

sinar wrote: »

They sent me the form to sign and return, but as I did not want the card with 0% only until May, I just shredded the form thinking that would be the end of my application as they would not take i any further action without the signed form.

The credit agreement contains a cancellation section (as they all have to do legally). With hindsight (and for future reference), maybe it would have been better to complete this and use their freepost envelope to cancel?


EDIT: I've never had a Capital One card, but maybe you 'electronically' sign the agreement at the end of the online application, as you do with some other providers? That would mean a signature on a piece of paper wasn't required in order to open the account and send you the card.