<prompt> Human: Not sure if this is the right place to post but need some advice. Got a car during a promotion there where if you match three cars on this card, you get money. My mom and I got 2500, but our special number didnt match so, no cash. The dealership still decided to honor this if we were to get a car. I was in need of one as I just started a full time job so we went and picked one out. As we were talking about monthly payments, we went back and forth and after the second time the salesman came out and we tried going lower, he offered their credit card saying that would allow them to bring the price down. We agreed, and since Ive worked retail with their own credit cards, I understand that you get a deal when you open a credit with them. Didnt think anything strange about it. We agreed on the final price and just had to deal with financing the following day. We were given papers about our credit limit. Mine was 1500 and my mothers was 1000. We signed remaining papers and everything went smooth. We got our cards about a week later. A few weeks after that my mom tries to use her card and it was declined. She checked online and hers was maxed out by the car dealership. I checked mine, and same thing. Thought about it a little more and realized that the 2500 promotional deal was just split onto the credit cards. Weve disputed it and was found responsible. We called the credit card company again and they decided to reopen the investigation. I got a call the other day and although the department I needed to talk to was closed, the man on the phone tried to help. I explained it all and he says that unfortunately, on his screen, we did agree to this payment. I have the paperwork that shows the total amount, what was put down as a down payment, and it said cash because of the promotion. Thats it. No where does it say that we agreed to have this put on to our cards. What I owe has almost doubled due to not paying. My credit score has gone down nearly 100 points. I dont know where to go from here. Do car dealerships have all of the signed paperwork still? And will they let me look at it? What do I do if I am still found responsible? I said if they take off the late fees then I would start if I was found responsible, but my brother said not to pay a dime, which I get like I never once agreed to it. I just hate being in debt and having something ruin my credit so much TL;DR car dealership used promotional cash winning to max out two credit cards. Disputed, found responsible, called and they reopened investigation. Need to find more evidence that I never agreed to the charges.  <response>: The winning card game is a common car sales gimmick, usually they are all the same card that wins a mystery prize or a chance at the prize you think youve already won in the fine print. In most states, theres a few days in which you can return the car, but you pay x per mile, ect. If its been too long, Id pour over the financing documents as a dealership this scammy likely pocketed a few percentage points on your loan, extended the loan duration or added an extended warranty without your knowledge. Once you figure out exactly what theyve done, file complaint with your states AG, and the CFPB. Also write reviews everywhere exposing thier practices, as a squeaky wheel usually gets the grease 