Some store credit cards have a monthly fee, whether you use the card or not. Charging you a monthly fee and then denying your use of the card seems like fraud to me.
"Some store credit cards have a monthly fee, whether you use the card or not."
I tried looking up this for which stores have a monthly fee but all I can find was stores for the worst interest rates. Could you be talking about Costco and Sam's Club for membership? Otherwise, which stores are you referring to? Thanks, you could be on to something here.
The stores that charge a "club fee" are obviously committing fraud if they take your fee money and then deny you to shop there. Store cards, and credit cards in general, often have "service fees". If it does not explicitly say that there are no monthly/annual fees, it's a good bet that they have them. If they don't have service fees, they will always say so, because it is a selling point.
Okay, this is good information. The word 'fraud' obviously has to be proven though. The key to this is in the contract's Terms and Conditions though. That's what needs to be revealed. I am not in any way disagreeing with you, rather I am an advocate. I know the legal system and a contract signed has within it 'certain' parameters that legally gives it the power to surrender certain Constitutional Rights. Yes, it's all legal and constitutional. The contract for enlisting in the military is one good example. There's many other examples as well, but for the sake of this missive, I'll say contracts are very powerful. The Terms and Conditions are purposely made ambiguous for the sake of lawyers (shysters) arguing them in court. Albeit, you could be right about the stores that charge a "club fee" are committing fraud, but it depends on what one signs to agree for the membership. What do the Terms and Conditions say in the Membership Agreement? The same applies to banking credit cards and Store credit cards.
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