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Obviously you have pointed out that if she cant hear and wasnt able to hear at the time the card was originated, how did the application get to her. Did they send it in the mail and she applied and sent it back? Did someone else apply in her name, etc.
It seems on the surface that if they are saying she 'applied' for a card in some way, they have to prove that she did indeed apply.
Make them provide a signed application with her signature or she is not bound to the terms of any contract or agreement. Ask for originals too, not copies as previously noted.
HTH
Thom
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Blowing down the house of cards, one puff at a time.
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