this post was submitted on 30 Jan 2024
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I'm not sure if it's different in the states, but in the UK it's definitely like that.
You sign the agreement, the card is dispatched.
The card arrives with more literature, and it is made very clear that by using the card you accept the terms.
If you decide that you don't like the terms, you can return it un-used, or even I believe within 14 days you can cancel everything and just pay off any money you've spent with it.
It's the same in the US. Most people don't bother reading any of the terms, so they're surprised when they exist.
There's often things that beneficial to the user in those terms too. Buyer protections, terms with specific vendor types, etc.
Correct. As well as literature and mandatory language detailing how to report fraud, or complain to a specific governing agency if you believe the card issuer is treating you unfairly or not complying with applicable laws. In the US, that would likely be the CFPB (Consumer Financial Protection Bureau).