You are involved with 2 seperate contracts when buying a TV from wally world using a credit card.
1. the purchase contract with wally world. As support the CC compnay is not involved with this contract; the CCC is not liable for any event concerning the warranty of merchantability or general warranties. If returned, the CCC is not involved unless wally world involves them by insisting the CC be credited rather than refunding value some other way. You are simply borrrowing the money from the CCC and giving it to wally world.
So, if I borrow money from a bank to buy a car, is the bank responsible for anything other than lending ME the money? Of course not. Why would a CC, which simply is an electronic form of lending money to me be anymore involved with my contract with wally world when I buy a TV from them?
2. the borrowing of money from the CCC to give to wally world. Does the CCC have any say about anything regarding the purchase? No.They are not a party to the contract in any fashion. Obviously I have a contract with them to borrow money and the terms and wally world has a contract with them as a merchant but those a seperate contracts from my contract with wall world.
So, as such, my contract is not for a purchase, it is to borrow money. As I see it, it would not fall under the UCC for contract for sales contracts. Just like the banks loaning me money to buy a car.
divemedic has pointed out the arguement where it is not considered a written contract and in some areas, I understand that has been a valid arguement. In those arguements, there are seperate contracts entered into for each borrowing of money (each purchase is an individual contract) (which are not considered written contracts) all under the umbrella of the written contract that states the terms when you do borrow purchasing money.
So, the best thing would be to attempt to argue the 6 year SoL but don't get upset if the judge doesn't buy it.

