Are credit card debts considered "open ended accounts", or "written contracts"? I have recently been contacted by collection agencies, attempting to collect on two old Visa card debts. I last paid any creditor in late 1996. The question on whether credit cards are "open ended" or "written contracts" is an important issue, as it would determine which Statute of Limitations would apply. I did speak to an attorney recently. He said all credit card debts are "written contracts". Does anyone here have a different view or opinion? Thank you very much!