One of the most common forms of identity theft is when someone uses their own name and goes on and off of the credit cards in your name. They usually get away with paying minimums and avoiding any type of trouble. But there are times when someone gets smart and uses your name without permission or they use your account information for their own personal gain. If you ever find yourself in this situation, you need to know how to open a credit card with a stolen identity. Here are some things that you need to know:
Don't bother going through the hassle of having a hard time remembering exactly what your PIN is. If you have ever had a Bank of America card in the past, you will already be familiar with the prompts that come up every time you try to make a purchase. There are three major ones: credit inquiry costs, security freeze and minimum balance transfer fees. If you are trying to repair your final score, one of the first things that you should do is to eliminate anything that charges for trying to remember your PIN. In fact, if you can eliminate it completely, it is probably a good idea to get rid of it altogether.
Once you have gotten rid of the plastic, you are still vulnerable to identity theft. However, you may be able to reduce your exposure to it with the following piece of advice: Go through and get signed up for a new AA citi card and follow up with the credit card company to let them know that you were a victim of identity theft. You can usually receive a document that contains your personal info within a week. This usually includes a fraud alert from Citibank, your social security number, and any documents such as your driver's license, social security card, or tax returns that show that you are a resident of the United States.
Now that you know you were a victim, how can you best to fix the situation? One way that many people have found effective is to file a chargeback against the credit card company that issued the card. Chargebacks occur when you are unable to pay your account on time. While this situation certainly made quite a few people very angry at their AA citi card issuer, it is a great way to ensure that your credit score does not take a huge hit.
Another option that people have found helpful is to open a new checking and savings accounts at a number of different banks that are located in the area that citi card companies are based out of. For example, one person reported that she was able to quickly open a new account at Bank of America, Chase Bank, Wells Fargo, and a few other locations in the Phoenix area because she works from home. You may be wondering how this is possible since she works for it. The truth is that she is actually not employed by citi per se, but they are the financial arm of the corporation. Thus, they are permitted to do what they want with her bank accounts and as long as she pays her monthly bills on time, they will keep those numbers updated to assist with paying back her debts.
Perhaps the most incredible part of this whole ordeal is that she is actually not even an American citizen! She is actually Pakistani and was born in Pakistan. Her problem was that she had spent so much money on her credit cards that her pay check did not cover it. Her Pay Pal account had been denied because she was unable to prove that she was a U.S. citizen and was using a debit card in her name. Having to prove your citizenship is critical if you wish to use a specific bank or other financial institution, but if you don't you certainly made quite the mistake by using AA credit card cash advances with an institution that does not honor cards from other countries.
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