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Credit cards

Getting a credit card

Consumers have filed 56,576 complaints about this, 11,151 in the last 12 months (+6%), against 538 companies. The most complained-about is Capital One. Companies closed 28% of these with relief.

Companies with the most

Last 12 months.

In more detail

  • Card opened without my consent or knowledge22,63540%
  • Application denied13,44724%
  • Card opened as result of identity theft or fraud12,01421%
  • Sent card you never applied for3,9107%
  • Delay in processing application2,5444%
  • Problem getting a working replacement card2,0264%

By month

By state

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Per 100,000 people, last 12 monthsFewerMore

Latest complaints about this

ReceivedCompanyAboutIssueStateAnswerOn time
Nov 14, 2026TransUnionCredit cardsGetting a credit cardApplication deniedFLIn progressYes
Nov 14, 2026TransUnionCredit cardsGetting a credit cardCard opened without my consent or knowledgeVAIn progressYes
Nov 14, 2026TransUnionCredit cardsGetting a credit cardCard opened without my consent or knowledgeVAIn progressYes
Nov 14, 2026TransUnionCredit cardsGetting a credit cardCard opened without my consent or knowledgeVAIn progressYes
Nov 14, 2026ExperianCredit cardsGetting a credit cardCard opened without my consent or knowledgeCAIn progressYes
Nov 14, 2026TransUnionCredit cardsGetting a credit cardCard opened without my consent or knowledgeNJIn progressYes
Nov 13, 2026ExperianCredit cardsGetting a credit cardCard opened without my consent or knowledgeILIn progressYes
Nov 13, 2026TransUnionCredit cardsGetting a credit cardCard opened without my consent or knowledgeILIn progressYes
Nov 13, 2026ExperianCredit cardsGetting a credit cardCard opened without my consent or knowledgeGAIn progressYes
Nov 13, 2026Bank of AmericaCredit cardsGetting a credit cardApplication deniedNYIn progressYes
Nov 13, 2026Bank of AmericaCredit cardsGetting a credit cardCard opened without my consent or knowledgeTNIn progressYes
Nov 12, 2026ExperianCredit cardsGetting a credit cardCard opened without my consent or knowledgeCAIn progressYes
Nov 12, 2026TransUnionCredit cardsGetting a credit cardCard opened without my consent or knowledgeCAIn progressYes
Nov 12, 2026Barclays USCredit cardsGetting a credit cardDelay in processing applicationFLIn progressYes
Nov 12, 2026TransUnionCredit cardsGetting a credit cardCard opened without my consent or knowledgeCAIn progressYes

Your rights with credit card companies

Under the Fair Credit Billing Act you have 60 days from the statement date to dispute a billing error in writing, and the issuer must investigate. Your liability for unauthorized charges is capped at $50 by law (and usually zero in practice). Issuers must give 45 days' notice before raising your interest rate or most fees.

Scam warning: Your card company will never ask you to read out a full card number, PIN or one-time code on a call it made. Hang up and call the number on the back of the card.

General information, not legal advice; rules vary by state. Plain-English guides

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Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

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