I found an interesting clause in my new credit card agreement, what do you think?

I suggest you simply quit using that card ... you can keep it open or close it ... although closing it could have a negative affect on your credit score as it raises your debt-to-credit ratio. As long as you pay in full every month you have no worries. Credit card debt can really eat at your ability to save for the future. Find a different bank to do business with, but they are about all the same.