CMCCMC-Cards-2026-04v1 · 15 Jan 2026
Unsolicited cards, upgrades and activation consent
Owner Cards Product · Approver CARO
§1 Unsolicited cards
No unsolicited cards or upgrades. If billed without consent: reverse and pay a penalty of 2× the amount.
§2 Activation consent
A card unused for more than 30 days from issuance is activated only on OTP-based consent from the cardholder.
Blue Book in-context note. Commonly misread: the 30 days run from issuance, not from dispatch.