I would estimate that the five year statute of limitations for written contracts may apply, although it is always appropriate to verify limitations periods with a local lawyer who is familiar with both those periods and exceptions to them, and who can apply them to the full facts of the case. Sometimes a different statute than expected applies, or the creditor has grounds to ask that the court find that the limitations period was "tolled" such that a later suit can be brought. There are some who suggest that a four year limitations period would apply for Florida credit card debt; but I haven't seen that backed up by anything other than lay opinion, so until there is verification it makes sense to assume that the longer period applies.