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

If you receive a credit card with pre-approved charges, you should first contact the credit card issuer as soon as possible. In Washington, the credit card issuer should be able to provide information about the pre-approved charge and explain the terms and conditions it was issued under. You can then dispute the pre-approved charge if you do not agree to the terms or believe it was issued in error. You should submit your dispute to the credit card issuer in writing. Make sure to provide copies of any documents that support your claim. In Washington, the credit card issuer must respond to your dispute within two billing cycles. The credit card issuer must investigate your dispute and provide a response. If the credit card issuer denies your dispute, it must provide the reasons for the denial. If you are not satisfied with the credit card issuer’s response, you can file a complaint with the Washington State Department of Financial Institutions. The department will investigate your complaint in accordance with the Credit Card Dispute Resolution Law. If the department finds that the credit card issuer violated the law, it may order the issuer to take corrective action, such as refunding a charge or providing a credit.

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

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