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Hi Brandon, whether or not the lender can take legal action, if thats what you mean, is determined by the statutes of limitation for your state.

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  • But the pending legislation is enough for us to move this to In the Works.

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Late/Partial Payments:

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In this case most over limit Transactions will be rejected, with the exception of certain Transactions that we cannot reject including Transactions that are processed manually (for example where a merchant does not use an electronic device when accepting your credit card Transaction or some recurring instructions set up on your Account), for which you will be liable for the full Transaction amount and associated interest charges Dishonour Charged each time a payment to the account is dishonoured, debited at time of dishonour.