<prompt> Human: In Canada The Bay Store had a promotion where if you apply for a The Bay credit card and use it in store you get 20 off your purchase. So I did that with the intent of cutting the card up right after I paid it. I was approved in store for 3500 dollar limit, bought my items and left. Several weeks later I did not receive a bill, but I did receive a letter from the bay saying my credit application has been declined...but I already bought the items on the temporary card they gave me in store. Did I just rob the bay?  <response>: Your question is extremely specific to the company issuing the card. Give them a call and ask. You agreed to pay for the items, their error doesnt change that, and if you neglect that bill youre going to find out by way of it showing up on your credit report when they realize their mistake. 