(a)No credit card shall be issued except:
(1)In response to an oral or written request or application therefor.
(2)As a renewal of, or in substitution for, an accepted credit card whether that card is issued by the same or a successor card issuer.
(b)A credit card issued in substitution for an accepted credit card may be issued only if the card issuer provides an activation process whereby the cardholder is required to contact the card issuer to activate the credit card prior to the first use of the credit card in a credit transaction.
(c)This section does not prohibit the completion of an overdraft protection advance or recurring-charge transaction that a cardholder has previously authorized on an accepted credit card.