Why was I sent a credit card?

[fruitloop21]

Today I received a credit card from Vanquis. I've never heard of them and never applied for a card, I have chopped it up and put it in bin and also written to the company telling them to cancel the account. Should I be worried about this.... does it mean that someone has applied for this card in my name?

[Ethel]

I would suspect that is the case.

Ask them for a copy of your signed application form that forms part of the contract.

[factor-fiction]

I was sent one too. I think it was a genuine offer of a card to me but I chopped it up as I didn't need it- particularly as the interest rate was something like 75% APR.

[Ethel]

That is a very dangerous game they are playing if that is the case.

I wonder just how enforceable any debt racked up on the card would be having not signed any form of contract

[fruitloop21]

Thanks for your answers its put my mind at rest. Thought someone had applied in my name! They must be mad to send them out when they haven't got a signature or anything! Checked out website and they do seem genuine but as you say interest rates are horrendous. And I don't have a credit problem so why they sent it I really don't know. I saw on another site that lots of people have applied but get refused!

[fruitloop21]

Ok so now I am worried!.... Just received a statement from Vanquis for �400. I have phoned them and I am not liable for payments but someone has applied on the internet and got �400 cash back in my name. Off to CAB now because they could possibly open more accounts in my name. Not good news!