I applied for a Wells Fargo Credit Card that offered 0 % for 15 Months on balance transfers, and I was approved, and they automatically trasnferred my balance from my other card. When I get the card and statement in the mail it tells me I was approved for a " cash back '' card, of which I did not apply, that had a rate of 22.15 %. I called and spoke with a manager who says that since I already had a credit card with them that had had a previous introductory rate offer I was not eligible for this rate offer so they approved me for another card based on my credit. I told him I didnt apply for that card nor get an opportunity to deny the card once knowing that the card would be at 22.15 % but he told me that it states that the I may not be eligible for the rate if I already had a card with them that had in the past had a introductory rate. From Wells Fargo website : " Eligibility for Introductory Rate ( s ) and Fees : If you currently have an open credit card account or a closed credit card account with a balance issued by Wells Fargo Bank, N.A., you may not be eligible for the above introductory APR ( s ) or fees. " The problem is that even if I wasnt eligible for the card I was applying to at the 0 % how are they able to take my application and apply it to another card with another rate that I did not approve or know any terms or conditions on? 
