I think i answered you previous question. You need to look at the governing law on your credit card contract. If it is not AZ law, your tolling issue will be irrelevant as it will not be the law governing the dispute
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I would add that reading the statute certainly makes it seem as though simply not living in Arizona would toll the statute of limitations until a person returns to Arizona, the Arizona Supreme Court has interpreted the statute to mean that only if a person cannot be served with process is the Statute of Limitations tolled. And if the contract was created in Arizona, it seems likely that a person could be served with process by an Arizona court even after they have moved to another state.