Generally speaking, the laws governing credit card issuers are those of the state in which the issuer operates. If the bank card issuer is located in Delaware, then it is bound by Delaware law not not the law in the state where you live. Most card issuers are located in Maryland, South Dakota, and Nevada where the laws are very favorable to them.
As a practical matter, you r application for a credit card is approved and sent to you with the terms and conditions. If you do not agree to them, you must reject the agreement in writing BEFORE you use the card. Use of the card indicates your acceptance of the terms.
