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Banks believe that the offers you get in the mail are likely to get more of your attention. The offers you get depend on your credit score, so if you have bad credit, youll get pre-approved offers to help you build your credit, and if your credit is good youll probably get offers for rewards credit cards.
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A credit card issuer cant send a credit card to someone who didnt apply for it. (The exception is if the issuer is sending a replacement card.) If you get a credit card you didnt ask for, you dont have to accept it. If you dont accept it, you arent responsible for it.
If you receive a debit/credit card that you didnt apply for from a bank that you dont bank with, call the cards bank immediately. The bank will be able to clarify why you received the card or tell you if its a scam. Do NOT use the contact numbers provided in the mail with the card.
If you received a store credit card you didnt sign up for, that means someone else likely signed you up without your permission. Issuing a card without your permission violates the Truth in Lending Act and is considered fraud.
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