The "forum selection" or "governing law" clause of your credit card agreement governs which state's laws apply, and it's probably based on where you lived when you applied for the card.
Disclaimer: Please note that this answer does not constitute legal advice, and should not be relied on, since each state has different laws, each situation is fact specific, and it is impossible to evaluate a legal problem without a comprehensive consultation and review of all the facts and documents at issue. This answer does not create an attorney-client relationship.
When you move from state to state you potentially involve laws that "toll" the statute of limitations, and also conflicts of law provisions in state statutes that sometimes "borrow" the other state's statute of limitations or even "reverse borrowing" statutes that apply the statute of limitations of the state you're living in because the other state's statute of limitations is too long or too short. Meanwhile there are choice-of-law provisions in credit card agreements that may or may not cause the statute of limitations of some third state to be invoked (or not) ... it depends on whether your state views statutes of limitations as "substantive" law or "procedural" law.
It can make even the best attorney (or the most incisively-witted judge) really, really confused. You can read my book for free to start untangling some of this.