I have read a case were a Bank of America's case was dismissed, because the defendant claimed that the credit card contract explains that Delaware state laws govern the contract. It was a case in California. The Delaware sol had expired on the debt and the defendant won, because the contract on Bank of America cards says,
Any account opened in response to this application shall be governed by the laws of the State of Delaware
The contract for Bank of America credit card clearly says that the laws governing this contract are the laws of Delaware.
Also, the sol on credit card debt in Colorado is not 3 years it is 6 years. I confirmed this the attorney generals office and I also confirmed this through 5 different attorneys.The c.r.s says that the sol on contracts is 3 years EXCEPT, for unliguidated and liguidated debt, with a determinable amount, and in that case the sol is 6 years.