[singleshot_]

You have a relationship; creation of the relationship was enabled if not formed when you signed the card agreement and agreed that your debt could be sold, transferred, or exchanged to or with a third party. If you thought that was unethical, you should have redlined it at the time.

[pavel_lishin]

And then the credit card company would have told me to piss right off, and I'd be struggling to live in American society without credit cards or a credit score.

[aworks]

I was just in line at the grocery where an elderly couple bought $600 worth of groceries and paid by check. I wasn't even sure stores still took checks.