With PM they can leave your letter while also giving you proof of & time/date of delivery which can be important for time limited rules around disputes. I always suggest this when filing disputes as all the CRA's and most all creditors use PO BOXES (even if it's a regular address your sending to odds are it's a rented box) and any mail requiring a signature cannot be left in a po box and is this handled differently than priority mail with delivery confirmation. I agree with ABCD though I would suggest this one change - send your letters USPS priority mail with delivery confirmation and not certified return mail receipt. I'm very angry that I opened this card but I'm assuming that it's just my own dumb fault and that I have to live with the consequence.Īny advice, heckling, trolling, or solutions appreciated. This could possibly explain my lapse in judgment/paying attention.ģ) Is there ANYTHING I can do or should do? Or is it too little too late? I've already received emails from my Discover Credit Monitoring and Credit Karma about a new account opening in my name. I'm very embarassed and my GF was shocked this happened too and she didn't realize I was signing up for the credit card either when we discussed what transpired over and over.Ģ) In my defense, I was feeling very sick when we went to the store. I acknowledge that I clearly goofed and was not paying as sharp attention as I probably should have. I immediately tell her I want to cancel this application process, manager comes over, they call customer service on the phone, and long story short 45 minutes later they said I can cancel the account on my own but since I'm already approved, I can't undo the application.ġ) So first thing's first. But then her register prints a receipt, and it has my name, DOB, and it says I'm approved for $2000 at 27.XX% for a TJX card or something while simultaneously she says, "Yes I signed you up for the store card like you agreed to." I ask the lady if that's what she meant by rewards card, because if that's the case I'm not trying to sign up for a credit card. Not 30 seconds go by and I look behind her and see a poster advertisement that Homegoods has a credit card which offers 10% off your first purchase upon approval of the credit card. She gave me this little thing to sign, and I signed it. She asked for my email and I gave it to her. She asked if she could borrow my license as it's easier to type in my name quickly, I did not object. I have tons of rewards cards with different stores (I'm referring to membership and loyalty cards, NOT credit cards), so I said, "Sure why not!". The register lady kindly asked if I was interested in a rewards card, if I signed up I could get 10% off my purchase and then I accrue points on future purchases. This is mildly embarassing, but this past Sunday I was at Homegoods purchasing some kitchen knives with my girlfriend (my first time in a Homegoods store I might add).
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