I was finally able to contact Continental Finance. The gentleman on the phone said the bill I recieved is a bill if I ever choose to activate the card.

Seems funny to me. It looks just like a bill. I had a past due date.

I am writing this as a matter of record in case it comes up next week that my bill was past dues and reflects on my credit report.

I will be on the phone with Clark Howard in a second.

Now what is disturbing is this just seems to be bait for people who are struggling with debt. It would be very tempting if I was completely out of cash to activate the card, its $225 in fees, just to use the $75 credit I would have left over.

Is this stuff legal?