<prompt> Human: I opened a store card with a popular online retailer. They automatically made it my default card for all purchases. I made one purchase for 35 before I noticed the change, and promptly switched my regular card back to default. The store also charged me a shipping membership fee of 100 to the store card without my knowledge.Prior to this I had a starter card that I always paid on time. I forgot that Id used the store card to make this purchase, and assumed that Id paid it off with my regular payments. I never opened any of the statements the store card sent me, assuming wrongly that they were for my starter card, which is managed by the same bank.I finally opened a bill 2 months ago, and freaked out. I apparently owe them almost 180 in late fees, plus the 35. I immediately called the managing bank to say I hadnt received the statements. I also had the store refund the shipping membership fee. I did not make a payment.Now Ive received a letter threatening to put my account into collections and report this debt as a charge off. Is there ANY way for me to pay only the original 35 that I owe? Do I just have to stand my ground and argue, blaming the store for making this my default card without my knowledge? Or should I just bite the bullet and pay the whole 213? Do I wait for it to go to collections and hope the paper trail disappears? This is a lot of money for me. Im only 26, in school full-time, and my credit is good but not great low - middle 600s. I dont think I can afford to tank it with a charge off, in case I ever need a loan.TIA for your help. This is causing me a lot of stress, and I really appreciate the Internet strangers who put their time and effort into solving other peoples problems.  <response>: Pay it. You will not win this fight. Its your fault for not opening your statements and your fault for not paying attention to what card was charged which is displayed at check out. This online retailer did nothing wrong. 