AMENDED OPINION
BRANDT, Bankruptcy Judge.
Debtor/Defendant Hung Tam Pham (Pham) entered into two cardmember agreements with appellant, AT & T Universal Card Services Corporation. Pham made no payments on either account, and exceeded his credit limits by writing payment checks on insufficient funds, and then using the accounts in the interval before the credits for those checks were reversed.
The bankruptcy court found AT & T's claim nondischargeable...
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