RECEIVED A CREDIT CARD FROM MBNA WHICH I DIDNT APPLY

RAJ56

I received a credit card from MBNA today which I didn't apply for. On calling MBNA i was told that it had been stopped after a second check as they had noticed something. I fail to understand why MBNA send out a credit card without full checks on a new application. Too many scams going on and this week has been a bad one as Barclays online account is showing error 1176 and on calling are asking me to visit a branch (as it is the branches closing everywhere and therefore you have spend time and money to sort the issues).

paul_c123

Obviously, to speed up the new customer getting the card. A new card on a new account almost always needs activating, so they can block it after its produced/printed/sent out if the checks also take a similar length of time. I believe there is an element of manual review in these kinds of application fraud.

MalMonroe

That once happened to me with a Vanquis credit card. But I didn't see the sense in it because the credit card came to my address and no fraudster got their hands on it. I reported it to Vanquis and then they put a CIFAS marker on my credit reports. As a victim, I hasten to add. And NO checks whatsoever had been done on it either, so you were lucky with MBNA. I received no prior notification about any credit card being issued by them, the card just arrived one day. 

I was advised to change all my online passwords regularly too, to prevent it happening again.

I asked Vanquis who applied for the card but they said they were not at liberty to disclose those details. (Which is very frustrating!)

I was left wondering if someone had played a very weird joke on me. Why else would they do such a daft thing? Maybe just to prove they can. I don't know. 

MorningcoffeeIV

MalMonroe said:

I was left wondering if someone had played a very weird joke on me. Why else would they do such a daft thing? 

Because they wanted to intercept the card 

emperormessia

Do Lender really send credit card without credit check?

grumbler

emperormessia said:

Do Lender really send credit card without credit check?

What information in the credit report would have stopped them from sending a card in this case?

[Deleted User]

MorningcoffeeIV said:

MalMonroe said:

I was left wondering if someone had played a very weird joke on me. Why else would they do such a daft thing? 

Because they wanted to intercept the card 

They did this to my brother (with a wildly wrong DOB) and went to Egypt on holiday with it.

TheBanker

Unfortunately it is not unknown for cards to be intercepted by rogue Royal Mail employees. They can also be stolen from communal letter boxes in flats etc. It may be that the OP was 'lucky' in the sense that their card passed through the postal system on a day when the rogue employee, or whoever was going to intercept it from the letter box, had a day off work.

As for the checks, it's possible they discovered the problem after they issued the card. I've seen this happen where another victim reports a fraudulent application, which prompts a scan of recent applications and discovery of some others with similar characteristics to the fraudulent one. 

I would check your credit file with the three Credit Reference Agencies to make sure there isn't any other unexpected activity recorded. If you do have a shared letterbox then I would consider that a risk, and I would be switching as much of my correspondence (bank statements, utility bills etc) to paperless to avoid the risk of them being stolen. 

Chrysalis

MalMonroe said:

That once happened to me with a Vanquis credit card. But I didn't see the sense in it because the credit card came to my address and no fraudster got their hands on it. I reported it to Vanquis and then they put a CIFAS marker on my credit reports. As a victim, I hasten to add. And NO checks whatsoever had been done on it either, so you were lucky with MBNA. I received no prior notification about any credit card being issued by them, the card just arrived one day. 

I was advised to change all my online passwords regularly too, to prevent it happening again.

I asked Vanquis who applied for the card but they said they were not at liberty to disclose those details. (Which is very frustrating!)

I was left wondering if someone had played a very weird joke on me. Why else would they do such a daft thing? Maybe just to prove they can. I don't know. 

Weird isnt it, I am constantly getting letters to my address for things like loan and card applications in other peoples names, I dont understand it , as the card would be sent to me if they are successful.  although I wonder if loans would get approved without an address check.

I Initially used to return saying not known at this address but then noticed it gets ignored so even though its not lawful I now open the letters and contact the companies to get them stopped.

MorningcoffeeIV

Chrysalis said:

MalMonroe said:

That once happened to me with a Vanquis credit card. But I didn't see the sense in it because the credit card came to my address and no fraudster got their hands on it. I reported it to Vanquis and then they put a CIFAS marker on my credit reports. As a victim, I hasten to add. And NO checks whatsoever had been done on it either, so you were lucky with MBNA. I received no prior notification about any credit card being issued by them, the card just arrived one day. 

I was advised to change all my online passwords regularly too, to prevent it happening again.

I asked Vanquis who applied for the card but they said they were not at liberty to disclose those details. (Which is very frustrating!)

I was left wondering if someone had played a very weird joke on me. Why else would they do such a daft thing? Maybe just to prove they can. I don't know. 

even though its not lawful I now open the letters and contact the companies to get them stopped.

Don't worry. It's entirely lawful. 

Don't believe all the urban myths you hear.