Inaccurate credit application

[mollyanna58]

I recently bought tires at Mavis Discount Tires. They talked me into applying for a Mavis credit card to get a $100.00 rebate - failing to mention the rebate will be in the form of a debit card, only usable at Mavis and maybe some gas stations.  I also had to submit my original receipt with the form of payment circled, and the shop put it in as a cash purchase, although it was actually charged to my new account.

When I went to register the card and pay it online today, I saw that my monthly income listed is more than triple my actual salary.  The bozos at Mavis never asked for my income.  They asked for my name, address, and social security number.  I figured I was approved based on my FICO score.  I never signed an application.  Bozos entered all the information online. 

Should I inform the credit card company that the bozos lied to get the card approved?

[Deleted]

It probably won't matter to them.  They just want to make sure you have enough income to make the minimum payments, and I'm assuming the limit on a Mavis card is not that high.   Most of my cards allow you to adjust the reported income online.  They usually ask me occasionally to update that info.  

[Deleted]

It might end up in your credit report, too.  Nothing you did wrong, but I'd be tempted to write to the bank and tell them what happened.  They need to know the dealer is putting in fake income figures to get credit accounts approved.

[mollyanna58]

Aug 4, 2019 19:25:19 GMT -5 @athena53 said:

It might end up in your credit report, too.  Nothing you did wrong, but I'd be tempted to write to the bank and tell them what happened.  They need to know the dealer is putting in fake income figures to get credit accounts approved.

That's what I was thinking.

[NoNamePerson]

I'm not even going into my experience with Mavis (new to our area) last week. But you have no idea that you just confirmed my decision to walk out and not look back. I only went there because they "replaced" the place I had been going to like forever so thought I would give them a chance. Thank you

[NoNamePerson]

Aug 4, 2019 18:05:39 GMT -5 mollyanna58 said:

I recently bought tires at Mavis Discount Tires. They talked me into applying for a Mavis credit card to get a $100.00 rebate - failing to mention the rebate will be in the form of a debit card, only usable at Mavis and maybe some gas stations.  I also had to submit my original receipt with the form of payment circled, and the shop put it in as a cash purchase, although it was actually charged to my new account.

When I went to register the card and pay it online today, I saw that my monthly income listed is more than triple my actual salary.  The bozos at Mavis never asked for my income.  They asked for my name, address, and social security number.  I figured I was approved based on my FICO score.  I never signed an application.  Bozos entered all the information online. 

Should I inform the credit card company that the bozos lied to get the card approved?

They basically "lied" on your application but you are responsible in the end I would think - he said she said kinda thing but see post above about my gut feeling about Mavis that made me walk out of the place.

[mollyanna58]

Aug 4, 2019 20:24:47 GMT -5 NoNamePerson said:

I'm not even going into my experience with Mavis (new to our area) last week. But you have no idea that you just confirmed my decision to walk out and not look back. I only went there because they "replaced" the place I had been going to like forever so thought I would give them a chance. Thank you

An acquaintance's son worked at Mavis and quit because he didn't like the way they treated personnel and customers.  OTOH, a friend loves her local Mavis.  It depends on who is running the individual shop.

[NoNamePerson]

Aug 4, 2019 21:34:11 GMT -5 mollyanna58 said:

Aug 4, 2019 20:24:47 GMT -5 NoNamePerson said:

I'm not even going into my experience with Mavis (new to our area) last week. But you have no idea that you just confirmed my decision to walk out and not look back. I only went there because they "replaced" the place I had been going to like forever so thought I would give them a chance. Thank you

An acquaintance's son worked at Mavis and quit because he didn't like the way they treated personnel and customers.  OTOH, a friend loves her local Mavis.  It depends on who is running the individual shop.

I agree with you but have to say Mavis won't get another chance with me and they have opened 5 or 6 county wide here lately. When the guy behind the counter asked me what kind of oil my car uses I got a tad nervous. I couldn't tell you what kind of oil the car I drove for 15 yrs used  

While I was waiting/talking to guy another guy comes out to tell the person sitting in waiting room that he has the wrong air filter he replies that he brought his vehicle in because he had nail in tire. He looked at me and very slightly shook his head. Gut feeling told me to head out the door and not let them touch my vehicle. Maybe an over reaction on my part but I've always trusted my gut on 99% of everything in my crazy life    

[Deleted]

Aug 5, 2019 6:59:00 GMT -5 NoNamePerson said:

While I was waiting/talking to guy another guy comes out to tell the person sitting in waiting room that he has the wrong air filter he replies that he brought his vehicle in because he had nail in tire. He looked at me and very slightly shook his head. Gut feeling told me to head out the door and not let them touch my vehicle. Maybe an over reaction on my part but I've always trusted my gut on 99% of everything in my crazy life.

Offering a "discount" on one product or service in order to go on a hunt for more lucrative things to fix (whether they need fixing or not) is a common tactic in many businesses. Cheap oil change places are a shining example. You were right to walk out.