Of course the discussion here has made be a bit curious, I wonder if you could "sign up banks" instead of having them sign up you. Lets say you mail a bank your preferred credit card contract to the bank, which basically said "by sending me a card you agree to the terms of this contract." and then layout the card contract you would be willing to accept. I wonder what the conversion rate would be. I'm guessing 0 but without evidence that is just a guess. Might be fun to run the experiment.