The contract concluded between the consumer and the issuer of the payment device must not take effect until the consumer has received the payment device and has been informed of the applicable terms of contract.
El contrato realizado entre el consumidor y el organismo expedidor del medio de pago no deberá entrar en vigor antes de que el consumidor haya recibido el medio de pago y haya sido informado de las cláusulas aplicables. 4.