Not signing pre-agreement

primmai

I was applying for a credit card online, reading the terms and conditions carefully, and when I pressed ‘accept’ the next screen said it had timed out due to inactivity (which I think is cheeky as I only spent 5 minutes tops, reading the details!). I went to get some dinner and decided to apply for a different card instead and was approved. 

I never received an email from the first card I applied for, which was to be accepted as I never got to the ‘approved’ screen online. however, on Saturday I received post from the first card, saying I’d been approved and here was the agreement to read and sign before they send me the card. I don’t want it now, and as I haven’t signed anything and have received the card for the second application I made elsewhere, can I just ignore this letter? I tried calling them to tell them all this but I was on hold for 20 mins and got nowhere. 

zzyzx1221

In theory, if you don't sign the agreement the account won't be set up.  But also in theory, if your application times out then that's the end of it and you still got a letter through the post so who knows?

eddddy

I suspect that you can safely ignore the letter.

It sounds like a standard marketing ploy. You started an application, then gave up - so they send you a letter and form, hoping to 'persuade' you to complete the application.

A bit like the emails you sometimes get from online retailers when you start an online purchase, but don't complete it - they hope that the email will make you reconsider, and go back to complete the purchase.

maxximus75

You've probably already taken the hit for the hard credit search so may as well accept it?