Ok, so back in november I applied for a couple of credit cards to get me through a financial emergency. One of them was a discover card. I latter got a letter in the mail saying I was denied. Welll today I opened up a bill and saw that it was for a discover card that had a 99$ balance and was 30 days past due. I was all “Huh?” and gave them a call, they said I had applied for and been accepted for a card with a 59$ anual fee, and even though the card was never activated they went ahead and charged me this fee and now my credit score is being penalized for a card I never recived, never activated and can’t remember if I applied for it or not. So I got angry, was transfered to fraud, told them that I never got the card, never activated the card and can’t remember if I applied for it or not, and they said they’d open a fraud ticket. My question is, if I did apply for the card and can’t remember will I go to Jail or be in trouble with the government for opening a fraud investigation?