Opinion ID: 1122599
Heading Depth: 1
Heading Rank: 1

Heading: Defendant Betty Jones

Text: In 1977, Defendant Jones established VISA and Master Charge accounts with plaintiff Walker Bank (hereinafter Bank). Upon her request, credit cards were issued on those accounts to herself and her husband in each of their names. On or about November 11, 1977, defendant Jones informed the Bank, by two separate letters, that she would no longer honor charges made by her husband on the two accounts, whereupon the Bank immediately revoked both accounts and requested the return of the credit cards. [2] Despite numerous notices of revocation and requests for surrender of the cards, both defendant Jones and her husband retained their cards and continued to make charges against the accounts. It was not until March 9, 1978, that defendant Jones finally relinquished her credit cards to the Bank, and then only after a persuasive visit to her place of employment by a Bank employee. At the time she surrendered her cards, the balance owing on the combined accounts (VISA and Master Charge) was $2,685.70. Her refusal to pay this balance prompted the Bank's institution of this suit to recover the same.