no pet.) (determining that evidence of the debtor’s signature card along with thirteen monthly account statements were insufficient to prove the existence of a contract without admitting the cardholder agreement or some other document describing its terms); Williams v. Unifund CCR Partners, 264 S.W.3d 231, 236 (Tex.App.-Houston [1st Dist.] 2008, no pet.) (determining that the claimant did not adduce sufficient evidence to establish the existence of a valid and enforceable credit card agreement as a matter of law because the claimant “did not produce the actual agreement or any other document that established the agreed terms, including the applicable interest rate or the method for determining the applicability and amount of finance charges”); Preston State Bank, 692 S.W.2d at 743-44 (<HOLDING>). Texas law also requires an alleged assignee
holding that where appellant failed to present either expert or lay testimony as to the appropriate standard of care to be used appellant failed to present any evidence indicating the existence of an issue of fact thus summary judgment was proper holding arbitration clause in credit card agreement unconscionable holding that the plaintiff failed to allege breach of a valid and enforceable contract but stated a claim for promissory estoppel holding that appellantclaimant failed to prove the existence of a valid and enforceable credit card agreement where appellant failed to produce any evidence of a contract agreement under which appellee was allegedly liable to it holding that where one party had received a written agreement and conformed his conduct to that agreement for an extended period of time but failed to sign the agreement he was equitably estopped from denying the validity of the agreement