NANCY STEFFEN RAHMEYER, Judge.
Danny J. Wilson and Carole J. Wilson ("Defendants") appeal a judgment entered against them on a credit card debt. In 1996, Defendants entered into an initial Open-End Loan Liner Credit Plan Agreement ("Credit Agreement") with Missouri State Credit Union ("Credit Union"). This agreement was a master or umbrella agreement and the initial credit agreement provided that "[p]roperty given as security under this Plan or for any other loan...
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