Virginia Code Title 6.2. Financial Institutions and Services § 6.2-426. When request, consent, or use not condition precedent to liability

1. Of a credit card that is a renewal of a credit card previously held and used by the cardholder or his authorized agent within 12 months of the renewal date; or

2. Where the card is issued to a customer who has previously established credit with the issuer and has used such credit within 12 months prior to the issuance of the card.