credit card contract

loulou73

hi all just a quick question,OH applied for credit card online,recieved card but never actually signed an agreement.
Is agreement legal as not signed for?

thanks

bitterSTAR

Usually when you apply for a credit card online, you are presented the terms and conditions during the application and are asked to check a box (which represents your signature) to confirm you agree to the terms and conditions.

loulou73

i accept what you say but all other cards have posted out documents to sign before issuing cards.

bitterSTAR

When I applied for both Barclaycard and American Express, they both did it the way I explained above. It might not be the same for all companies though!

nickmack

loulou73 wrote: »

i accept what you say but all other cards have posted out documents to sign before issuing cards.

Did you tick a box online agreeing to the terms and conditions?

Ilian2008

The other posters are right. Its often done this way. You confirm you agree to the terms and conditions by ticking the box. Why do you ask? Are you thinking you could spend on it and then say you never signed for anything and try to avoid paying?

MABLE

loulou73 wrote: »

hi all just a quick question,OH applied for credit card online,recieved card but never actually signed an agreement.
Is agreement legal as not signed for?

thanks

Legal or not I would not try pulling a fast one by spending the credit available and then claiming it the agreement was not legally binding etc.