Overview of Consumer Protection in Canada Series – Unsolicited goods or services

Other than in certain exempt circumstances, a consumer does not have an obligation to pay for unsolicited goods or services. For instance, a credit card cannot be issued to a consumer without the consumer’s express request or consent. However, a number of provinces deem a cardholder who has not applied for a credit card to have entered into a credit card agreement with the card issuer on first use of the card.

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