In NC, does a retail store card debt fall under the UCC?

Question

I have had debates on this one. i had a retail CC that went default and is out of the SOL. BUT, i was told that under the retail installment sales act, the SOL would be 4 years. Any input?

Answer 1

I looked at the NC RISA and see nothing that refers to a 4 year SOL period. As far as I know, it is still considered a revolving line of credit and falls under the NC 3 year SOL.