Credit Card Mailings Were Legal, Target Tells 7th Circ.

Law360, Chicago (January 10, 2014, 2:42 PM EST) -- Target Corp. on Friday urged the Seventh Circuit to uphold the dismissal of a proposed class action accusing the retailer of pushing millions of deceptive, unsolicited credit cards on people with low credit scores, claiming the new cards were merely upgrades to store-branded cards already held by the recipients.

The Target Visa cards, which replaced store-branded cards that could be used only at the retailer, clearly fell within the “substitution” exception to the Truth in Lending Act’s prohibition on sending out unsolicited credit cards, Brian Melendez...
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