PS, the banks are to blame in my opinion, they send everyone credit card applications and phone market you to death so that you take their credit cards.
No body is forcing you to fill out the forms and send them back to get more credit cards etc., it still comes down to each individual being responsible for his/her actions.
I would blame the banks and others for a certain amount of ID fraud due to this practice of mailing out pre-approved credit cards/limits etc. with no idea who they are sending them to. In the wrong hands the form is filled out and bogus info put down but with YOUR name on it and then you find out too late to do anything about it.
