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Not by using a credit greetings card. Perhaps there is a signed application, but that's all. The terms and types of conditions were never agreed to up front by agreement. So the bank cost nothing to get a new terms at their impulse. Imagine the interest on your home mortgage jumping from 6% to 26%, just given payment arrived a day late. It wouldn't happen because that's not in industry contract. Though a credit card, you cannot find any actual receive. Seemingly overnight, the balances start to improve. Then the interest charges build inside. Then the