Credit Card Without Consent What to Know About Bank Practices

Have you ever received a credit card in the mail that you never applied for? If so, you're probably asking yourself, Can a bank issue a credit card without my permission? The answer is no banks are not legally allowed to issue credit cards without your clear and verified consent. Doing so may violate federal laws like the Truth in Lending Act and could be considered unauthorized account activity or identity theft.

Unsolicited credit cards can result from pre-approved offers or internal system errors, but that doesn’t make them legal or risk-free. If this happens to you, contact the bank immediately, file a complaint, and check your credit report for any signs of fraud.

Don’t let an unauthorized credit card damage your credit score or personal information. Stay informed, protect your identity, and know your rights as a consumer.