Illinois, Capital One -- I did not agree to pay interests

[alex11]

i did not apply for the credit card, but recieved my mail. and now they chasing me for debt of interest, but i don't agree to pay interests because i did not sign contract

[AFFA]

I wish to inform you that if you have not used the credit card then you can not be made liable for any amount. In this when you use credit card it amounts to implied acceptance of terms and conditions of credit card. In this you may object to interest on credit card on the ground that interest is very high and is oppressive or you were never informed about interest and as soon as you come to know about interest you have objected with bank. You may file your objections in writing with the bank and keep record of your letter so that you may present to court that you never agreed to interest.

AFF

Originally Posted by AFFA I wish to inform you that if you have not used the credit card then you can not be made liable for any amount. In this when you use credit card it amounts to implied acceptance of terms and conditions of credit card. In this you may object to interest on credit card on the ground that interest is very high and is oppressive or you were never informed about interest and as soon as you come to know about interest you have objected with bank. You may file your objections in writing with the bank and keep record of your letter so that you may present to court that you never agreed to interest. AFF

i called the bank and they said no problems @ that time, but now they changed mind

Originally Posted by AFFA I wish to inform you that if you have not used the credit card then you can not be made liable for any amount. In this when you use credit card it amounts to implied acceptance of terms and conditions of credit card. In this you may object to interest on credit card on the ground that interest is very high and is oppressive or you were never informed about interest and as soon as you come to know about interest you have objected with bank. You may file your objections in writing with the bank and keep record of your letter so that you may present to court that you never agreed to interest. AFF

They say ven i did not apply for the card - as soon i used it means i signed contract ?? Does somebody know is it according to laws or they just lie ?

[Lexus]

May be you have not signed the contract. Now a day’s all transactions and agreements are entered into through net. By using the credit card, you have impliedly accepted to the terms and conditions of the Credit card Company. You may challenge the interest rate on the basis that it is exorbitant, but you cannot take a contention that you have never used the credit card unless you have credible evidence to the same. You may send a registered notice to the credit card company intimating that the interest charges are unreasonable and violative of interest norms.

[Friend In Court]

If you used the card, you are liable for the charges. The bank cannot go after you for any debt unless you ran one up.

Originally Posted by Friend In Court If you used the card, you are liable for the charges. The bank cannot go after you for any debt unless you ran one up.

so according to law the bank cannot go after me, even the card was used but not signed ?

Originally Posted by alex11 i did not apply for the credit card, but recieved my mail. and now they chasing me for debt of interest, but i don't agree to pay interests because i did not sign contract

Hey dumb ass! You used the card. Pay up you dead beat.