Just spoke to a lawyer and he confirmed this was fine and not to worry about it. Thanks guys

Help me out here: You want to stay on the right side of the law, but you open mail not addressed to you?

I don't check who the mail is addressed to - if it's in my mailbox I assume its mine. Especially since the actual targeted offer letter with the RSVP code was generic and contained no other info identifying another business - I assumed it was mine. Moreover, when I applied I was approved with no issues.

Well, if it worked it worked. However, if you take someone's RSVP to a party, then you'll have trouble.

Given the OP deleted his initial post, perhaps this was truly a case of "home robbing," as opposed to "homerobbins." Mods: time to shut this one down?

I hate ppl who do this, OP why delete your post? once you've committed to something, stay the course. we need our entertainment, dammit

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.