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Didn't apply for credit card but got an application denied letter?
This can be a case of someone trying to use your identity to obtain credit.  I would put a fraud alert on my credit immediately.  I went through something similar... got denial letters for credit I didn't apply to.  A few months later I get hit with a credit ding from a pay day loan company that apparently allowed the thief to get a loan who obviously didn't pay it back.  I had no contact with this company before they put the lates on my credit and it took over a year to get this cleaned up.  Apparently this loan was obtained about a week after I got the first denial letter so if I put a fraud alert on immediately it would have most likely stopped this fraudulent pay day loan before it happened.