Misled into signing for a credit card

Trsjj29

On making a purchase in a large multi department store I was asked if I had a store card and I said I had but hadnt used it for a while. I was asked if I would like to reactivate the card and I would receive a £20 voucher. I agreed. The sales assistant but throught the application for the "reactivation" of my store card as I believed and I was "accepted". I was told I would have to listen to a recorded message but didnt need to listen to it until after I had been accpeted. She then continued to process the applicaiton and only at that point when I was reading the contract did I realised that it was in fact a applicaiton for a mastercard. I was immediately angry and told her that I felt I had been misled into thinking that I was "reactivating" an existing store card and that I wished to cancel the application. She told me that I could not and that I would have to wait until I got the card and then cancel it. I was really annoyed but felt I had no choice but to sing the agreement. I voiced my frustration at what I was doing and also my concern that an application for a credit card which I neither wanted or asked for could affect me credit rating. Only once I had signed did I listen to the recorded message. Whilst listening the the message a Supervisor came to the till and I voiced my frustration at having been misled into signing something that I should not have signed for. After a bit of time she downgraded the card to a storecard but this was still a new card, not the "reactivation" of my existing card as I had been led to believe I was doing. The applicaiton still stood and would still show up on my credit check, which I was very unhappy about. Out of principle I told her I wanted the whole applicaiton cancelled and all details of it wiped off their system, and I would pay for my goods by another means. She spoke to the store manager who advised me that the application had been completely cancelled but I was still cross that it could still potentially affect my credit rating. He has advised me that he would contact the Credit Card supplier and ask them to ensure that all details are deleted from the credit reference agencies. I am still livid that I was duped into signing for a credit card which I didn't want and that I was so misled. Does anyone know can I take this any further than just writing to the store and whether or not my credit rating will be affected by this.

BugsyBrowne

You can't write to them as it seems you don't know the name of the store only it's a large multi department store.

I would take it further and ask for 10k compensation personally that's if you work out what store it was.

EllaBeagle

What song did you sing for it?

McKneff

I think youre getting your knickers in a twist for nothing to be honest.

A store car IS a credit card, which you can get credit in one particular store.

A credit card is exactly the same except you can spend on it in different places other than the store.

Getting another credit card would hardly affect your credit file adversley, probably just the opposit



You felt you had no choice but to sign it. Of course you had a choice.
You should just not have signed it.

Write to the store by all means if it makes you feel better but then just move on.

exel1966

Sniff....sniff....T's in the air !

McKneff

And you lost out on £20, you should have got the card, spent the £20 then cancelled the card,

That would have been sweet revenge:D

Trsjj29

EllaBeagle wrote: »

What song did you sing for it?

Obviously a typo!

Buzby

I think you are making heavy weather of this. One persons reactivation is another's application. Further, store cards and credit cards share a synergy - but they both will result in credit checking, which you appear to think they do not.

M&S enhanced all their store cards to fully flexible credit cards, and the APR fell dramatically. Since store cards invariably had interest rates of 30% APR, the credit card option was by far the better option as the card could now be used anywhere.

Your mistake was in expressing any interest, if you hadn't then the issue would not have arisen. As it is, you agreed, then had a change of mind - as is your right. Since you've not defaulted, your credit 'rating' has not been affected - simply an application for a card whi h expires in 6 months. A store card would similarly have shown up.

Lastly, a 'reactivation' would certainly result in a credit file enquiry, so I'm surprised you think it would not.

andy.m_2

why didnt you say to the till monkey, "!!!! off, I'm not singing that!"?

RichL74

Yeah, why did you sign?

missile

Mislead into ..........................reading a worthless post