(b) That's wrong. Section 39 of the ACL says that cards that can be used as credit cards must not be sent to persons who have not requested them in writing. A credit card is any card that enables a consumer to obtain goods, services or cash on credit terms, or a card which is commonly issued by businesses to their customers to enable them to obtain goods or services from that business on credit terms. No exceptions to the prohibition are made for cases where the person to whom the card is sent must do something to accept or activate the card.

Similar restrictions are placed on debit cards, which are cards used to access money held in an account.