My wife went to Ulta Beauty and bought some stuff.  She swiped her AMEX card and left.   Later, I start getting these emails from Comenity Bank (Bread Financial) and since I do not have an account with them I assumed it was spam (I had also not heard of them).   Also received some mail from them.   I opened it up and saw it was for a credit card with some debt on it, late charges, interest, etc.   I chatted with my wife and she said she never opened an account (we do not own credit cards).    Fu