they say they enclosed: a Credit Card Application and Terms and Conditions  - NOPE they have NOT. all they have done is included 2 sets of Terms and conditions with your name and address (is this the correct address for 18/07/2006?) at the top. there's no dates on either of them, no signature from you on either and no signature or stamp from BC accepting the agreement on either  even if they were agreements... they could have come out of Links filing cabinet and they inserted