WA state debt collection laws, dispute with credit card company over late fee

Sears: I had a Sears card in 1995, paid it off and never used another one of their cards. Recently I recieved a new sears card wich I did activate or use. Shortly afterward I recieved a bill for $9.95 from sears. I sent back the sears card, told them I didn't want it and thought that would be the end of it. It wasn't. They tacked on a late fee so now it's 40 bucks. I called them on the phone and they said the charge was for insurance and that I would have to pay even though I never authorized the insurance. Do I have any legal recourse? - Is this your question? Add additional information