COOK, Presiding Judge.
Universal Bank ("Universal") appeals the trial court's judgment that James E. McCafferty's ("McCafferty") liability on a credit card contract with Universal was $50. We affirm.
In April 1991, McCafferty applied for and received a Mastercard credit card from Universal. Objecting to the family having another credit card, McCafferty's wife returned the cards to Universal. McCafferty then called Universal and asked them to reissue the card...
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