What Is the Statute of Limitations on Credit Card Debt?

Short answer: The statute of limitations on credit card debt is set by each state and is commonly three to six years, though some states allow longer. Once it passes, the debt is "time-barred": collectors can't win a lawsuit, and under federal rules they can't sue or threaten to. The debt still exists, and in some states a payment can restart the clock.

Key facts

• The clock usually starts from your last payment or the date of default, depending on state law.
• The statute of limitations is separate from the credit reporting period, which is generally seven years from first delinquency.
• Under Regulation F, collectors may not sue or threaten to sue on time-barred debt.

The CFPB explains that a payment or acknowledgment may revive the debt in some states.

How long can card companies pursue a debt?

They can keep trying to collect indefinitely by asking you to pay, but they can't win in court after the deadline. If you're sued on an old debt, raise the statute of limitations as a defense; courts usually won't apply it unless you do.

Before paying an old debt

1. Find the date of your last payment.
2. Check your state's limit (your state attorney general's website is a good source).
3. Ask the collector whether the debt is time-barred.
4. Decide knowingly; paying may make sense for your peace of mind, but understand the risk of restarting the clock.

For collector rules, see what debt collectors can legally do.

Sources

• CFPB, What is a statute of limitations on a debt?
• FTC, Debt collection FAQs
• CFPB, Debt collection

Last reviewed October 12, 2026. This article is general information, not legal, tax or financial advice.