Approved for Discover card but never applied?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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Approved for Discover card but never applied?

Postby silentmichael » Wed Apr 06, 2011 3:26 pm


I was approved for a Discover card, however I never applied for one at all.
According to the email, the card that "I" applied for is on the way. And that I should go to to "customize my account". I even have an account number.

I called Discover, and they stated that this was normal. And that when I receive the card I should just cut it up. She said that as long as I don't call the number to activate the card, it would not appear in my credit report.

Is this true? How did they get my information?

This is the email in question:
Screenshot of Email


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Postby c0Ld » Sat Apr 09, 2011 12:42 am

I'd call back until you get a better CSR. This is potentially fraud - they can send you a pre-approved offer, but that is their standard acceptance letter after you yourself have applied. There is nothing normal about getting this if you didn't apply. I'd keep an eye on your reports, you could be looking at identity theft.

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Postby Mogul of Pineapples » Mon Apr 11, 2011 3:47 pm

This doesn't make sense I would suspect fraud. Get on this right away.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
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