usa

Credit Card Statute Of Limitations By State

Credit Card Statute Of Limitations By State

What is a Statute of Limitations?

Debt collectors and creditors only have a certain timeframe to sue you for unpaid credit card bills. The statute of limitations protects you. Debt collectors and creditors cannot sue you after the evidence has disappeared. Debts that have passed their statute of limitations are called time-barred debts. This is why, if you have unpaid credit card debt, you should know your state’s statute of limitations. For an in-depth look at statute of limitations, check out the article to learn everything you need to know about credit card statute of limitations. Below is more information about the statute of limitations by state.

Difference in Statute of Limitations by State and Individual

State laws determine the statute of limitations on credit card debit. Therefore, you should check out the statute of limitations for your particular state. Our state by state listing below is a great starting point. When looking at your specific state laws, you should understand that many state laws and codes don’t exactly use the word “credit cards” or “credit card agreements.” You should look for phrases like “written contracts” or “open accounts.”

Another important thing to consider is that legislation can change these state laws. Amendments, recent court rulings, and different applications of the law are all natural results of the law-making process. That’s one of the reasons why you should read the state laws with an open mind. Your interpretation of your state law may not be the one that’s actually practiced. This is why it’s important to consult a professional.

Judges, in particular, may interpret state laws differently from each other. On top of that, those court rulings may be overturned. When considering your own case, you should know that your particular judge may rule on your case based on where you live or where the card issue is located. Therefore, it’s important to know your state’s statute of limitation laws.

A Note on Our Listing Of Statute Of Limitations By State

Below is a state by state listing of open-ended accounts, written contracts, and oral contracts. Read more about a closer look on how these different types of debts can affect you. The table below is for informational purposes only and will be a great starting point in researching the statute of limitations for your particular date. Please double-check your current state laws and rulings by going to a local law library, contacting your state consumer protection agency, or doing some research on the internet. This may also be a good time to consult a lawyer or reputable credit repair company.

State by State Listing

StateCredit Card AccountsWritten contractsOral Contracts
Alabama3 years3 years6 years
Alaska3 years3 years6 years
Arizona6 years6 years3 years
Arkansas5 years5 years3 years
California4 years4 years2 years
Colorado6 years6 years6 years
Connecticut6 years6 years3 years
Washington, D.C.3 years3 years3 years
Delaware3 years3 years3 years
Florida5 years5 years4 years
Georgia6 years6 years4 years
Hawaii6 years6 years6 years
Idaho5 years5 years4 years
Illinois5 years10 years5 years
Indiana6 years10 years6 years
Iowa10 years10 years5 years
Kansas3 years3 years3 years
Kentucky5 or 15 years15 years5 years
Louisiana3 years3 years10 years
Maine6 years6 years6 years
Maryland3 years3 years3 years
Massachusetts6 years6 years6 years
Michigan6 years6 years6 years
Minnesota6 years6 years6 years
Mississippi3 years3 years3 years
Missouri5 years5 years5 years
Montana8 years8 years5 years
Nebraska4 years4 years4 years
Nevada4 years4 years4 years
New Hampshire3 years3 years3 years
New Jersey6 years6 years6 years
New Mexico4 years4 years4 years
New York6 years6 years6 years
North Carolina3 years3 years3 years
North Dakota6 years6 years6 years
Ohio6 years6 years6 years
Oklahoma5 years5 years3 years
Oregon6 years6 years6 years
Pennsylvania4 years4 years4 years
Rhode Island10 years10 years10 years
South Carolina3 years10 years10 years
South Dakota6 years6 years3 years
Tennessee6 years6 years6 years
Texas4 years4 years4 years
Utah6 years6 years4 years
Vermont6 years5 years5 years
Virginia3 years6 years6 years
Washington6 years6 years6 years
West Virginia10 years10 years10 years
Wisconsin6 years6 years6 years
Wyoming8 years10 years8 years
Tennessee6 years6 years6 years
Texas4 years4 years4 years
Utah6 years6 years4 years
Vermont6 years5 years5 years
Virginia3 years6 years6 years
Washington6 years6 years6 years
West Virginia10 years10 years10 years
Wisconsin6 years6 years6 years
Wyoming8 years10 years8 years

Want to learn more?

View Our Credit Repair Guide

Find the best credit repair companies