How to decide the state in which a credit-card dispute is calculated

How to decide the state in which a credit-card dispute is calculated or administered? (thus the Statutory of Limitation, etc)

(1) the customer (our) home state, (2) the credit card’s home state, or (3) any arbitration mentions in the agreement?

My understanding is that it automatically falls within the jurisdiction of our state where we live in, ’cause the credit card company has agreed to do business in our home state by soliciting us with its product.

But after reading this kind of experience, now I am wondering if I am right!?

They can’t legally sue you if the debt is passed your state’s SOL. Very few states have a 6 year SOL, so hopefully you are not living in one of those few. If you are not, answer the lawsuit with the time barred defense and the case will more than likely be dropped. This is exactly what I have tried to do for the last 6 years.

Actually I live in PA….so it looks like the SOL is 4 to 6 years, but I’m not sure when they start the clock??? THANK YOU to all that replied!!!