Is this what happens when credit cards are issued off shore?

I am not picking on any one particular place. Just pick a shore, go off of it. Go to some geographic cross-road where no one knows you or even grasps the concept of what time zone you're in, start a call center for a finance company.

I am rather amused that they want you to pay for unauthorized charges. Maybe you should find out who the company president is and send the letter back to him / her with that part highlighted?

Better yet, will you pay for something for me and my friends too?