MEMORANDUM OF OPINION
LEWIS M. KILLIAN, Jr., Bankruptcy Judge.
THIS CASE is before the Court on the complaint of Chevy Chase Federal Savings Bank (Chevy Chase) the issuer of a credit card to the defendant, Terry Cacho, seeking to except its claim from discharge pursuant to 11 U.S.C. § 523(a)(2)(A). Both parties have filed motions for summary judgment and the matter came on for hearing on September 20, 1991.
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