New Credit Card

I got a new credit card in the mail yesterday. The biggest problem? I didn't apply for it! No, this wasn't one of those fake cards with the pre-approved application, it was an actual card for activation.

How did I end up with this? I'm still working that one out. Evidently when I talked with CitiMortgage about the possibility of refinancing, they signed me up for a home rebate card. It pays 1% of all purchases off of the mortgage.

I called today to cancel the card without activation. I had to get transferred to a "specialist" to handle the cancellation. I got several comments from the specialist that it must have happened in another department, they didn't do it. After confirming it was canceled, I asked how it would appear on my credit report.

She commented that it would show up as cancelled by card holder. I said I didn't want it to show up at all since I never authorized the card to begin with. She again said it wasn't her fault. Then, evidently having a bad day, she said, "It was another department, and you aren't going to take it out on me today." After which she hung up.

Remind me to NEVER again do anything with Citi. I'm looking forward to getting the mortgage refinanced elsewhere and getting everything closed with them, for good, forever.