So whose fault is that that you did not read the fine print? You used the card, therefore agreeing to the fine print. You need to own up and pay them.
He didn’t charge anything ,, just opened an account that wasn’t used... he should have called them as a courtesy but never using the card and not paying the account opening fees should just eliminate the account ... The bank has nothing in the deal but a $0.25 piece of plastic and a first class stamp...
What about the biblical laws against usury? Where do they fit in?