Court Opinion

ID: 9587343
Source: CourtListenerOpinion
Date Created: 2023-08-21 23:21:14.893247+00
Date Added: 2024-06-11T17:37:32.863063
License: Public Domain

RUFFIN, Chief Judge,
concurring specially.
Although I concur fully in the majority’s reasoning and result, I write separately to note the following. In his carefully worded affidavit, Davis does not state that his corporation opened the Discover account. Instead, he asserts that the account was opened “on behalf of” the corporation, possibly in an effort to explain why his name is on the account statements. He also does not dispute Discover’s evidence that he is listed as a “Cardmember” or deny using the credit card.
Moreover, the terms and conditions forwarded with the charge card provide that the Cardmember is responsible for “all purchases, cash advances, and balance transfers ... incurred by [the Cardmember] or anyone [the Cardmember] authorize[s] or permit[s] to use [the] account.” Thus, even if all charges to the account were incurred on behalf of Davis’corporation, he is obligated on the debt personally.1 Finally, although Davis testified that he does not remember signing an agreement to be individually responsible for the debt, these terms and conditions did not require a signature to become effective. Davis accepted the terms by using the credit card.

 See Read v. Gulf Oil Corp., 114 Ga. App. 21, 22 (150 SE2d 319) (1966) (cardholder accepts terms and conditions of credit card by retaining and using card).