If you owe debt on a credit card, you obtained by applying online, can collectors....

[gcmoore]

Can the collectors verify the debt if you did not sign an actual application? How does that work?

[direred]

There are electronic means of verification; in almost no case is an application required for verification.

[pandmel]

Can the collectors verify the debt if you did not sign an actual application? How does that work?

If you used the card anywhere in person that is proof that you opened the account. Merchants make you sign credit card receipts for a reason. You actually enter into a contract with the merchant and reinforce your contract with the CC company when you use a CC.

The mini contract usually reads something like this:

"I agree to pay the above total amount according to card issuer agreement."

That is usually in some form right below your name when you sign a cc authorization.

Pandmel

[E. Normis Debtor]

Doesn't really matter if you ever sign anything. A signature is not a required element of a contract.

[pandmel]

Doesn't really matter if you ever sign anything. A signature is not a required element of a contract.

DOH !!!

However the OP was worried about signed proof. They can get it if they need it.

Pandmel

[gcmoore]

Thanks everyone. This is what I suspected, but just thought I'd ask.