Contracts of adhesion are basically take it or leave it agreements. Since your credit card is issued with an agreement to which you did absolutely no negotiation, then yes, technically, credit cards are adhesion contracts. I have heard the argument made just as your judge did, and I respectfully disagree. Just about every legal definition of adhesion contracts indicates that such a contract exists when terms are not negotiated and are provided "take it or leave it."
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No, generally speaking, credit card agreements as a whole are not adhesion contracts because there are numerous credit card companies that offer credit cards. If you do not agree to a particular credit card provider's terms, you do not have to agree.
Even assuming that the particular credit card agreement is determined by the court to be an adhesion contract, the determination that a contract is adhesive is merely the first step that courts take in deciding whether to enforce such contract.
Frank W. Chen has been licensed to practice law in California since 1988. The information presented here is general in nature and is not intended, nor should be construed, as legal advice for a particular case. This Avvo.com posting does not create any attorney-client relationship with the author. For specific advice about your particular situation, please consult with your own attorney.
I do not think there is any question that a typical credit card contract is one of adhesion. Regardless, that is not likely to get you anywhere, especially with this judge. So, if you are representing yourself, it may be time to come up with a better argument in defense of your alleged obligation.
It is a binding contract. The terms are similar because the credit card companies want all of their cards to be governed by the same contract. Also, many of the provisions are required by law.
The contract is not unenforceable as an adhesion contract. However, if any of the terms are ambiguous, or contrary to law, you can argue the validity of such terms.
You argument with the judge is just a waste of time for both of you. If you have a better defense, argue your best defense. You would be better off getting an attorney to represent you in court.