When I started college in 1996 in california, I began to receive unsolicited, ready-to-use credit cards in the mail with an activation phone number. I'm sure I'm not the only one...right? Well, in my research of the California Civil Codes I came across this: 1747.05. (a) No credit card shall be issued except: (1) In response to an oral or written request or application therefor. http://www.leginfo.ca.gov/.html/civ_table_of_contents.html I haven't been able to find any posts regarding this. It would seem that if the cards were issued in this illegal manner(aside from them not having a signed application), that the debt might be invalid. These cards have since become un-paid charge-offs. Any input would be appreciated.
