Misled into signing for a credit card

Lou67

Just cancel the card honey. But as a few have said here, most storecards ARE credit cards. Don't worry too much about it. You probably shouldn't have signed it though.

Fruit_and_Nut_Case

Trsjj29 wrote: »

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.

Welcome to MSE :hello:

Does the store sell new paragraphs and whitespace? I'd have been tempted to use the card to buy some.

Gromitt

McKneff wrote: »

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

Done that before. Got offered £25 on a £100 purchase to sign up for there own-brand master card. Accepted the offer, bought the goods (on another card as that one wasn't activated until I had received it with the appropriate PIN apparently) and then cancelled the card as soon as I had received the first part.

Fruit_and_Nut_Case wrote: »

Does the store sell new paragraphs and whitespace? I'd have been tempted to use the card to buy some.

Oh come on, do it right. "Don't Stand Where the Comet is Assumed to Strike Oil", page 60, Alice vs Carol:

"I got your three-page e-mail, and I brought you a gift. It's a clump of blank space. You can use it to separate long, rambling, unrelated sentences."

dresdendave

Trsjj29 wrote: »

I was really annoyed but felt I had no choice but to sign the agreement.

Assuming they were not holding a gun to your head why did you feel you had no choice. How difficult is it to say "Sorry, I've changed my mind" and walk away.

CKhalvashi

McKneff wrote: »

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

I've been known to do that before now when a company have annoyed me, especially as Barclaycard are offering £50 every 3 months atm

Just had to add; I've got credit facilities in a local shop and a cafe.....Never get used unless I don't have a £1 coin on me for a coffee/£2.49 for a sandwich

CK