Harris Trust & Savings Bank v. McCray

This action was filed in order to recover a judgment for an amount of money allegedly due on a credit card account. The defendant filed a motion to dismiss the complaint, and the trial court denied the motion. The only question presented in this appeal is whether a credit card issuer may commence an action based upon the holders failure to pay for the purchase of goods more than 4 years after the issuers cause of action accrued.

The facts are undisputed. Defendant made two purchases with a credit card issued to her by the plaintiff. On December 14, 1966, she purchased goods for $400, and on…