cc disability clause

[ZOIE]

What is the name of your state? Indiana
How would I find out if there is a disablity clause in my CC contract? (Sorry I don't have any copies). Two out of three CA's haven't verified. The other CA sent it back to the orginial creditor & this one only sent me a copy of the orginial app. as verifiation
Thanx, Zoie

[bigun]

There will be no disability clause in the cc contracts. The only way disability would come into play would be if you purchase a policy and had the premium billed to your account. Disability {and any other insurance} is expensive. Nobody will provideit under terms for opening account.
THe only exception I can think of is every so often I'll get a mailing offer for $1000 accidential death and dismemberment policy because I'm {and afew million other people} are valuded customers.

Originally posted by ZOIE
The other CA sent it back to the orginial creditor & this one only sent me a copy of the orginial app. as verifiation
Thanx, Zoie

bigun (or another in-the-know), does an original application alone serve as a legally binding validation? I was under the impression there had to be an original, signed application as well as other records (or were the other records diversionary in the sample letters I saw?)

[Ladynred]

You are correct, a signed agreement, in and of itself, is only partial validation. To fully prove the debt they must also provide a full accounting of all charges and payments over the life of the account to prove balance owed. Time to send them a 'sorry, validation is incomplete' letter.