Would it be wise to sue a credit card company that approves you for a credit card?

and when you go to use the card, you're denied access to your credit? When you call them they turn around and say you were actually not approved, despite them sending you a card already? What are the chances of winning this law suit, claiming inconvinience, embarassement on your part not forgetting, further damage to your credit? Anyone got hints?
Answer:
Every credit card company i know of, has a telephone number you have to call, to activate the credit card they send you.

Did you call the number to activate your credit card?

Or did you just assume it was good already?

So your gonna pay a layer $5,000 to sue a credit card company for $1,000 for being embarassed ???

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maybe

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mmmmmmmmmmmmmmmm

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Sounds like you shouldn't be using credit cards, honey.

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Sure,if you want your credit report used in court for them to justify their position

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hahaha good luck on that 1!

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How did it damage your credit? How does this end up on your credit report?
I think it would be a good idea for people who get themselves in trouble and deep in debt with credit cards to sue the credit card companies for allowing them to have them. If we can sue McDonalds for giving us the Big Mac we ordered and made us fat we can sue Visa. To hell with personal accountability.

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In California, such a suit would very likely be successful. Each state has its own consumer protection laws and California has some of the strictest. As far as the card contract/agreement goes, the issuer probably included a clause that lets them cancel the card at any time for any reason which would prevent a breach of contract on their part.

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Well , the cost of the attorney will far exceed any settlement ,
( you will have to pay the lawyer up front )
But if you are rich and just want to make a point . . .
Have at it ! The attorney will like you !

%26lt;

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How did it damage your credit?

And did they actually approve your access to credit, or did they just give you the card? I would ask some questions about why you dont have credit access yet, then dont sue them anyways. Sueing wont solve anything, and other companies wont want to give you a card.

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wrkoutch,
Isn't it annoying when things like that happen? Most of us know the feeling. The thing about suing is that you need to prove monetary damages (exactly how much money did you lose because of this glitch). Sure, it was frustrating, inconvenient, perhaps even embarassing, but the judge will need to be convinced that you lost money because of their change of heart. If you can prove some loss to his/her satisfaction, then you might want to go after them.

The other thing to remember is that it will cost money to get this done, so you probably wouldn't want to waste a bunch of time and dollars unless you think it would be worth it (unless you're wealthy and just want to shame them to prove a point).

They probably weren't picking on you personally. They're just in business to make money and they do what they think will work. Most people just chalk the thing up to experience and move on, but you should do whatever you think is right.

One last thing. Most credit cards have to be activated before you can use them. There might be a number to call before you use the card.