how do I owe money on a credit card i never activated ?

Question

I keep geting a bill ,for a credit card i applied for but never got and they wont stop calling me for this anual fee,on a credit card i never had,, Do i have grounds legally? (this has gone on for over a year now )

Answer 1

If you applied for a card with an annual fee, and got it (even if you never actually "got" it!), then you owe the money!

Would you consider it "reasonable behaviour" for someone in your position not to investigate where it actually went (the card), if someone else found and activated the card, YOU would also be liable for some of any charges they made on it!

Answer 2

If you applied for a card with an annual fee and they issued it to you, then you'd owe the fee whether or not you ever used the card. You agreed to pay it when you applied. If they turned you down, you probably wouldn't owe it, but do you have a copy of the application? Some kinds of cards, meant primarily for people with poor credit, have non-refundable application fees - stay away from those!

Get this settled and the card closed before you owe a SECOND year's fee - could already be a problem since you say it's been over a year.

Answer 3

If it is a secured card. They impose charges on it. You must have agreed to the terms and coniditons over the phone or on the internet. That would be the only reason for charges on this card.

Answer 4

If you signed up for it, but never activated it you are still reponsible for the annual fee. You should call them and tell them you cancel it. They may reverse the fee just to keep you as a cardmember.

Answer 5

You apparenly didn't read the fine print that went along with the "free gift"..... Your best bet is to pay the bill, and cancel the card immediately. No, you probably can't sue them..as the have your signature agreeing to their terms and conditions......they got ya! Hook, line and sinker!

Answer 6

if you applied for it and they issued it, they got you. pay it off and chalk it up to lesson learned.