I'm reading New york State laws,uniform Commercial code 2-725 on the SOL on store card .
"An action for breach of any contract for sale must be commenced "
within four years after the cause of action has accrued. By the original
agreement the parties may reduce the period of limitation to not less
than one year but may not extend it.
So the SOL for a Store card like sears,Jcpenny,Macy's would Be 4 years from last payment.
Anyone familiar with this!