[roybean]

As of late I have received several cc offers from a former creditor and there is a case over in the case law section that coincides with the irony of this situation.

The small print says that they may offer new opportunities including transferring balances....hint, hint, hint.... in the future and you are bound by all future revisions of the cc agreement.

In other words, if you owe them any money they may transfer the old balance to your new account and start billing you.

[centex]

Without seeing the full terms, I am not certain I can see that as the likely or eventual outcome. Balance transfers are done all the time, with offers varyinh from time to time. As an example, I have nothing with Citi right now, but they were previously offering a no-fee transfer for a period of time. BofA has been trying to woo me with their 0% through March 2009. The ability to offer an opportunity for a balance transfer is not the same as saying they might try to tack on the balance on the fraudulent account.

As to the bound by future revisions language...again...commonplace- you agree that they might change the card and in order to keep the card, you WILL agree to those terms. If you opt not to agree, then you lose the card.

Don't make mountains out of more molehills...