Ok, Nic....
Did a little more looking into this... and I see what you are thinking.........but there is one problem.
UCC does not apply to credit cards. UCC only applies to (generally speaking) goods and services.......and secured items (like a vehicle). It does not apply to revolving accounts.......which is what credit cards are (they are not installment loans). For that you need to go into your state laws and the Truth in Lending Act.
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