Prime Rate Credit

Hmm. This was a weird one, I must say. You know how many credit card solicitations in the mail for all kinds of different credit cards like low apr credit cards, balance transfer credit cards, credit cards for bad credit, and every other credit card under the sun, comes with something that looks just like a real credit card, but only it’s on carboard like paper, and it’s showing you the card you “could have” since you are preapproved and all you need to do is call them or send back the paperwork, and you’ll get a real, live credit card?

I myself have gotten tons of these, especially since my credit has been cleaned up and is back in pristine condition. This one I got today though from Capital One, threw me for a loop, because I cannot remember for the life of me signing up or applying for this credit card, and yet, I got a real live credit card - a plastic one, with the sticker on it and everything that tells you to call to activate it as soon as you can. I racked my brains trying to figure out if maybe I had somehow applied for this card and forgotten, but I’m too responsible for that to have happened, so I’m still confused!

So, I looked at the insert that went with the new card, and tried to find a clue that this might be a solicitation that was rather clever, since if I didn’t know any better, I would have possibly called to activate the card and unknowingly activated a solicitation, not something that I had already signed up for intentionally.

I couldn’t find any indicatino it was a solicitation, so I’ll have to do a little more investigating on this one. I didn’t want to just cut it up without knowing whether it was an active line of credit that I had forgotten about. That’s another thing I was confused about, is that I thought maybe it was simply a renewed card that I had forgotten about, but I couldn’t find any indication of that either. Hmm!