Hello all,

I got signed up/preapproved for a BofA credit card that I didn't even ask for and they opened the account without my asking. Now I'm not sure if I should just cancel the account or keep the card as I'm not sure how this would affect my credit score.

BofA told me that if I choose to close the account they would add "customer never requested account" so that my score would not be affected. I try to keep fewer credit cards and only have about 2 or 3 total.

Should I look into how good the card itself really is and see if I should keep the card and use it?

TIA.
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tooaru said:Should I look into how good the card itself really isNo.

I wish BofA would give me another credit card without a hard pull...

How about tipping off the underpaid BofA clerks to make a quick buck on deals here on FW? Maybe that way they won't sign up people for their cards, to get a bonus (and it seems it happens quite frequently, a similar story is posted on FW quite so often).

I got signed up/preapproved for a BofA credit card that I didn't even ask for and they opened the account without my asking.

Really? Such shenanigans were apparently common years ago, but I thought that they had been sanctioned by all of the banks. I guess not. As the saying goes, "Don't look a gift horse in the mouth"