"Alexeev then sent his updated agreement to the bank, and shortly thereafter received the bank's signed and certified copy, as well as a credit card."
It's been a while since I signed up for a new credit card, but I don't recall getting back anything "signed and certified." Terms and what-not, sure, but that sounds like the bank sent back his (updated) contract.
Apparently, I've gotten more houses than credit cards, because that's exactly how you handle contract negotiations there.
"Alexeev then sent his updated agreement to the bank, and shortly thereafter received the bank's signed and certified copy, as well as a credit card."
It's been a while since I signed up for a new credit card, but I don't recall getting back anything "signed and certified." Terms and what-not, sure, but that sounds like the bank sent back his (updated) contract.
Apparently, I've gotten more houses than credit cards, because that's exactly how you handle contract negotiations there.