The plaintiff credit card issuer sued to recover outstanding balances on a Home Depot credit card account.
The primary cardholder admitted the underlying purchases but argued that interest should be limited to the statutory rate under the Courts of Justice Act rather than the contractual rate.
The secondary defendant disputed liability, claiming he had not been proven to be a co-applicant or authorized cardholder.
The court found that circumstantial evidence established he was a secondary cardholder and jointly liable.
The court also held that, absent exceptional circumstances, contractual interest rates govern both pre‑ and post‑judgment interest, rejecting the request to apply the lower statutory rate.
