I bet you’re convinced that in order to obtain a platinum credit card, you need to have great credit. You may also believe you have to hold a job and be… oh… I don’t know… an adult, perhaps? Unfortunately, the latter isn’t necessarily true. 5-year-old Hunter was recently the unwitting recipient of a Capital One Platinum card, much to his mother’s confusion. His favorite pastimes include playing with cars, watching cartoons and trying to get junk food for breakfast. He isn’t quite yet ready to worry about his credit score or trying to untangle the crazy webs some companies can weave.
Hunter’s mom was a bit confused when her son kept receiving applications for this card in the mail. Concerned that maybe someone was trying to use his identity, she called up the oh-so-helpful customer service division of Capital One. She was advised that the best way to stop the advertisements was to actually fill one of them out. The rep she spoke wish assured her that the app would absolutely be denied, due to the child’s age. So… she fills the application out online. Imagine her surprise when it was approved in under sixty seconds!
Stunned, the woman called the customer service department back again. This time, she was told that the card would not show up in the mail and that everything would be taken care of. Oh… you know where this is going, do you? Yup, you’re right: the card showed up in the mail less than a week later! The by now very upset mom called yet again and began to navigate her way through the automated system. Before a live person picked up the call, the card was automatically activated!
Finally ticked off enough to chew lead, this Connecticut mother demanded that the card be immediately canceled and all further mailings stop. The representative wasn’t so accommodating, though: they refused to go through her, and said that they would need to speak with the account holder. Even after she explained Hunter is only five years old, she was again told that they could not speak with her to resolve the issues.
It was only after she contacted a local television station that the company finally got a clue and canceled the account.
How in the heck could this even happen? Where did all of those so-called security measures go that we are supposed to have in place to protect us? The company claims that this happened because the card is designed for people with no credit or less-than-great credit. That’s all fine, well and good, but don’t you think they should perhaps have at least made sure that the cardholder would be someone who is old enough to actually pay the bill?