Facts of the case: Credit cards are increasingly used in modern society. Suppose A is the cardholder of the credit card, B is the bank that issued the credit card, and C is the department store that accepts bank credit card purchases. A can use his credit card to make purchases with C, but he should pay his consumption to B before the 15th of the next month; C should accept A's consumption with his card and request B to pay A's consumption on the 20th of each month. C shall not request A to pay for his consumption.

In March 2012, A spent 50,000 yuan and was unable to repay B. A and B reached an agreement and agreed to repay the loan within 3 months. A mortgaged one of his shop houses to B and registered the mortgage. At B's request, A purchased fire insurance from D Insurance Company for the mortgaged shop house, and transferred his right to claim insurance compensation from the insurance company to himself.

In April 2012, A and Zhang signed a letter of intent to borrow money, agreeing that A would use the shop house as collateral to borrow 50,000 yuan from Zhang to repay B. Later, because A failed to register the mortgage, Zhang refused to provide a loan.

In July 2012, due to a conflict between A and his neighbor E, E set fire to A’s shop house. While the insurance company was settling claims, his creditor Geng applied to the court to freeze his right to claim insurance compensation.

1. Before March 2012, what legal relationship existed between A and B? What legal relationship existed between B and C? What legal relationship existed between A and C?

2. C has the right to request B to pay for A’s consumption but is not allowed to request A to pay for his consumption. What is the legal implication? Can B refuse to pay C on the grounds that A does not pay for his consumption? Why?

3. If A does not pay B for his consumption, what rights can B claim? If B does not pay C for A’s consumption, what rights can C claim?

4. If C refuses to accept A’s card consumption, who should claim the rights? What rights can be claimed? Why?

5. Does Zhang’s refusal to provide a loan to A constitute a breach of contract? Why?

6. After A’s mortgaged pavement house was burned down and he was unable to repay the loan when due, what rights can B claim?

7. A transferred the right to claim insurance compensation to himself, and his creditor Geng complained to If the court applies to freeze the claim for insurance compensation, what impact will it have on B’s mortgage right? Why?

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