Quote Originally Posted by The Creeper View Post
I think you are legally responsible, but morally, no. Who would feel bad not paying back these thieves? People pay off their credit cards and such for one reason only, to keep their credit score high, not because it will make them a better person.
Nobody ever held a gun to your head and made you sign up for a credit card. They are offering a service. If you don't like the terms then don't sign the contract.