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IN RE MERCER

No. 98-60693.

211 F.3d 214 (2000)

In the Matter of Constance P. MERCER, Debtor. AT&T Universal Card Services, Appellant, v. Constance P. Mercer, Appellee.

United States Court of Appeals, Fifth Circuit.

April 26, 2000.

Attorney(s) appearing for the Case

J. Mark Franklin, III (argued), Bennett, Lottehros, Sulser & Wilson, Jackson, MS, for Appellant.

Michael B. McDermott, Kaara Lena Liskow (argued), Page, Mannino, Peresich, Dickinson, McDermott, Newton & Hoff, Biloxi, MS, for Appellee.

Before DUHÉ, BARKSDALE and DENNIS, Circuit Judges.

DUHÉ, Circuit Judge:

AT&T Universal Card Services ("AT&T") appeals the bankruptcy court's determination that Constance P. Mercer's ("Mercer") credit card debt was dischargeable under 11 U.S.C. § 523(a)(2)(A). We affirm.

I. FACTS AND PROCEEDINGS

We summarize only the facts relevant to our decision which include AT&T's pre-approval process, and Mercer's response to AT&T's pre-approved credit card application. We do not discuss...

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