mrcharter

The bank (BankUSA) gave you a "Gift Card" disguised as a "Credit Card." The gift, no different than the toasters or wall clocks your mother received to open a new account. No different when the bank says, "Deposit $25 today, keep it here for 90 days, and we will match it." You used your "Gift Card" and the bank sent you a statement. That is not a bill. The bank deceived you into thinking it was a bill.