is credit cards a contract? Answers: Are you referring to how the Statute of Limitations

Answers:
Are you referring to how the Statute of Limitations looks at it?

That is a grey area of the directive. Some states are calling it Written contracts, others consider it Oral or revolving contracts. You will need to check next to you local state law to see how it's applied.

Other Answers:
Yes. Accepting a credit card and signing the tally for your purchase is a contract saying you will abide by the usage regulations of the card company, i.e., repayment of the impermanent loan.
If the card has an annual duty or charge for exceeding the limit, this is a sector of the contract, as well. A credit card is an undo ended agreement. You enjoy agreed with the cc company to use their (the card is NEVER owned by you) financial resources. You own the ability to sever the relationship at THEIR discretion. If you owe them anything the unharmed balance may come due. You signed an agreement near all the rules, subject to alteration, before they checked your credit rating and offered you the card. The first time you USED the card you afterwards became subject to adjectives their rules.
Hope this helps