In a Claim for Credit Card Non-Payment, in What State and on What Date Does the Claim Occur?

First Resolution Investment Corp., et al. v. Sandra J. Taylor Jarvis, Case no. 2013-0118

Ninth District Court of Appeals (Summit County)

ISSUES:

When an Ohio consumer breaches a credit card contract, does the cause of action arise in Ohio regardless of where the credit card company is located?

Does a claim for breach of a credit card contract arise on the date a consumer misses a required minimum payment?

In a breach of contract, may a credit card company charge a post-judgment interest rate that is higher than the statutory rate without producing a written contract?

When a debt collection agency is pursuing credit card debt, is there a "consumer transaction" and "supplier" governed by the Ohio Consumer Sales Practices Act (CSPA)?