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Tparind

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I have a credit card on file I never opened in my life
I see a capital card open on my account that I never have opened before

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You should contact Capital One right away, you may be the victim of identity theft. See what they have to tell you and then follow-up by notifying the credit bureaus that the account is not yours.

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Unknown Credit Cards

That happened to me ......I bought furniture at Rooms to Go on deferred payments & was never notified that I was getting a Wells Fargo Credit Card with a credit limit three times the cost of the furniture,   applied for a loan another time & got another credit card, etc. I ended up with about four CC with open balances which I never applied for & they lowered my credit score, but nobody would tell me why at the time. I guess it gave potential lenders a perfect excuse to charge a higher financial rate for a fairly safe loan.

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