What should I do if I receive a credit card with pre-approved charges?

If you receive a credit card with pre-approved charges, then you should first contact the issuer of the card. Explain that you had not agreed to the pre-approved charges and that you would like to have them removed. The issuer may be willing to reverse the charges if they were made without your authorization. In Minnesota, consumers are also protected by credit card dispute resolution laws. If the issuer does not resolve the issue, you can file a complaint with the Minnesota Department of Commerce. The Department will investigate the complaint and, if appropriate, enter into an agreement with the issuer to resolve the matter. You should also document any disputes with the credit card issuer. You should keep records of all communications, such as emails, letters, and phone calls. These records will help you if you need to take the case to court. Finally, you should contact a consumer rights organization in your area. These organizations can provide you with additional information about how to dispute pre-approved charges and how to protect your rights as a consumer.

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What should I do if I receive a credit card with pre-approved charges?

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