Some people have told me that when you signed a credit card application you are entering in a contract.
But after doing some research I found this:
A copy of the alleged credit card application is not a contract. See footnote 3 in the matter of Novack v. Cities Service Oil Co. 374 A.2d 89, 149 N.J.Super. 542 (N.J.Super.Law Div. 04/07/1977)

Does anybody have more info about this ruling or an opinion?