I find even that misleading because it doesn't mention the monthly fee. I'm pretty sure you could refuse to pay it and win in court.
You're then stuck arguing with your card issuer. In the UK for example, you're shit out of luck unless the transaction is > £100 where the card company becomes 'jointly and severally liable' which allows you to pursue them instead.
Obviously this varies so it all depends on where you are and where your card was issued as to how much chance you have of 'refusing to pay'.