The court, not the arbitrator, decides whether the parties entered into an agreement to arbitrate even if the supposed arbitration agreement contains a broad delegation clause.  Here, the trial court correctly determined that plaintiff had not agreed to arbitrate.  Defendant produced no agreement signed by plaintiff.  The credit card application he signed did not reference any agreement, let alone an arbitration agreement.  His monthly credit card statements didn’t either.  Plaintiff’s use of the credit card doesn’t show his consent to the arbitration clause absent evidence that the credit card agreement and its arbitration clause were at least sent to plaintiff.  See Chambers v. Crown Asset Management, LLC (2021) 71 Cal.App.5th 583.