But after you opened the mail, you realized it was a "targeted" offer so clearly it's addressed to someone (all the ones I received from chase and amex has names on it). And you applied for the offer in spite of realizing that it was not intended for you. Whether you are approved or did not look at the names is not relevant -- the mail is for intended 'recipient' (unless it says current resident). I can't speak to the legality of it (see second post), but it's definitely sketchy and unethical thing to do since some RSVP code are tied to the individual and could expose their info (Whether yours was or not is irrelevant -- the mail was targeted to intended recipient....it's just easy as pie to 'return to sender'. Just my 2 cents.