Misc Credit Card Questions

[shulem92]

AFAF: How can I be alerted immediately when someone applied for Cc or loan in my name? If they have my social and other info... thx!

If they're truly nervous for a legitimate reason, have them freeze their credit

[Wizard]

If they're truly nervous for a legitimate reason, have them freeze their credit

How do They go about freezing? Anything else they can do to be alerted and quickly call the back to stop it?

[shulem92]

How do They go about freezing? Anything else they can do to be alerted and quickly call the back to stop it?

Contact the CB's and report that you think you may be the victim of fraud. There is always the paid route of lifelock™ which will report any attempt in a credit pull

[Wizard]

Contact the CB's and report that you think you may be the victim of fraud. There is always the paid route of lifelock™ which will report any attempt in a credit pull

Thank you. Will it be too late for them to cancel the application for CC/loan without pursuing criminal charges on the person that applied?

[shulem92]

Thank you. Will it be too late for them to cancel the application for CC/loan without pursuing criminal charges on the person that applied?

Why don't you share the full story so we can attempt to help to our best

[as2]

Thank you. Will it be too late for them to cancel the application for CC/loan without pursuing criminal charges on the person that applied?

I believe there would only be charges if you decide to charge.

[Wizard]

Why don't you share the full story so we can attempt to help to our best

You're right. My friend has a relative that is well meaning but is applying for cards/loans in my friends name to help my friend with higher interest loans etc. My friend would like to know how to prevent this from happening. My friend can do the credit freeze but it sounds like a hassle to call all 3 CBs and to have to call in whenever applying for card. If friend does LifeLock, and there is unauthorized application, will the well meaning relative get in trouble? Is there another option for my friend (other than talking to relative)

[shulem92]

You're right. My friend has a relative that is well meaning but is applying for cards/loans in my friends name to help my friend with higher interest loans etc. My friend would like to know how to prevent this from happening. My friend can do the credit freeze but it sounds like a hassle to call all 3 CBs and to have to call in whenever applying for card. If friend does LifeLock, and there is unauthorized application, will the well meaning relative get in trouble? Is there another option for my friend (other than talking to relative)

Lifelock prevents any future credit pulls. If you sign up (its not so cheap), but anytime you want to apply for something you have to call lifelock first with your code and tell them "amex is going to be applying today" or else it won't let your credit be pulled

[Wizard]

Lifelock prevents any future credit pulls. If you sign up (its not so cheap), but anytime you want to apply for something you have to call lifelock first with your code and tell them "amex is going to be applying today" or else it won't let your credit be pulled

Thanks. So you think that's the best option?
With either option: will the relative attempting to apply get in trouble?

[shulem92]

Thanks. So you think that's the best option?
With either option: will the relative attempting to apply get in trouble?

Nope. It just won't get approved. What u never got rejected from a credit card before? Lol

[PillanSmye]

You're right. My friend has a relative that is well meaning but is applying for cards/loans in my friends name to help my friend with higher interest loans etc. My friend would like to know how to prevent this from happening. My friend can do the credit freeze but it sounds like a hassle to call all 3 CBs and to have to call in whenever applying for card. If friend does LifeLock, and there is unauthorized application, will the well meaning relative get in trouble? Is there another option for my friend (other than talking to relative)

There is nothing well meaning about that.  It's outright fraud.

Saying it "sounds like a hassle to call all 3 CB's" when someone is fraudulently applying for credit in your name (whoever's name) is perhaps the most asinine comment I have ever read and shows a very limited comprehension of the importance of one's credit files in today's world.

[ckmk47]

........ (other than talking to relative)

Talk to the relative!!!
Tell them to stop 'helping' !
Either explain to the relative how the victim is handling it, or don't.  But tell him to stop applying without his express permission.

[Wizard]

Nope. It just won't get approved. What u never got rejected from a credit card before? Lol

Thank you very much for your help. We'll see how much LifeLock is and see if it's better to take the hassle of locking all 3 reports.

There is nothing well meaning about that.  It's outright fraud.

Saying it "sounds like a hassle to call all 3 CB's" when someone is fraudulently applying for credit in your name (whoever's name) is perhaps the most asinine comment I have ever read and shows a very limited comprehension of the importance of one's credit files in today's world.

Talk to the relative!!!
Tell them to stop 'helping' !
Either explain to the relative how the victim is handling it, or don't.  But tell him to stop applying without his express permission.

Obviously that would be ideal but that's not where it's at.. thanks!

[shulem92]

Thank you very much for your help. We'll see how much LifeLock is and see if it's better to take the hassle of locking all 3 reports.
Obviously that would be ideal but that's not where it's at.. thanks!

There are more companies then just life lock. Do you're research if you're looking for a deal...

[Wizard]

There are more companies then just life lock. Do you're research if you're looking for a deal...

Ok thank you 😊

[shulem92]

capital one keeps sending credit card offers to my house. the problem is that I cant figure out how to stop it. its not to my name, and when I call the number on the paper to opt out, I cant go past the first question, as they want info which I don't know, and its an automated system. any suggestions would be greatly appreciated

[PillanSmye]

capital one keeps sending credit card offers to my house. the problem is that I cant figure out how to stop it. its not to my name, and when I call the number on the paper to opt out, I cant go past the first question, as they want info which I don't know, and its an automated system. any suggestions would be greatly appreciated

Same as you do with all unwanted mail.  Get a sharpie.  Write: Return to sender -  Remove from list.  Drop in a mailbox

[shulem92]

Same as you do with all unwanted mail.  Get a sharpie.  Write: Return to sender -  Remove from list.  Drop in a mailbox

Thanx

[Wizard]

Amex offering me 7500 points or $75 to keep PRG card open for 2nd year, pay $195 fee, and spend $1k within 3 months. I get another $100 airline credit so the AF will only be $95. Worth it?

[shulem92]

Amex offering me 7500 points or $75 to keep PRG card open for 2nd year, pay $195 fee, and spend $1k within 3 months. I get another $100 airline credit so the AF will only be $95. Worth it?

So that's $20. Is it worth it?