Maine Credit Card Application for Unsecured Open End Credit
Description
How to fill out Credit Card Application For Unsecured Open End Credit?
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FAQ
Banks make several types of loans, including consumer loans, housing loans and credit card loans. Consumer loans are for installment purchases, repaid with interest on a monthly basis. The bulk of consumer loans are for cars, boats, furniture and other expensive durable goods.
Definition: A consumer transaction is a type of agreement or exchange where one party purchases goods or services for personal, family, or household use.
The term ?consumer credit transaction? means a transaction wherein credit is extended to an individual and the money, property, or service which is the subject of the transaction is primarily for personal, family or household purposes.
The term "consumer credit transaction" means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes.
Consumer credit, short- and intermediate-term loans used to finance the purchase of commodities or services for personal consumption or to refinance debts incurred for such purposes. The loans may be supplied by lenders in the form of cash loans or by sellers in the form of sales credit.
A debt collector may not commence a collection action more than 6 years after the date of the consumer's last activity on the debt. This limitations period applies notwithstanding any other applicable statute of limitations, unless a shorter limitations period is provided under the laws of this State.