Card holder agreements dated 1993 or before. Has anybody in Florida Courts defended themselves from a generic guarantee in a card holder agreement dated 1993 or before. What was the outcome? The card was issued in 1993 to an out of state C Corporation. I understand the FAIR CREDIT REPORTING ACT states an individual cannot be held liable for debts of a corporation unless the authorized user agreed to be liable. What constitutes personal liability in Florida? Can generic language in a CARD HOLDER AGREEMENT dated 1993 or prior constitute personal liability? When I state generic, I am saying there was no account number or name assigned to the card holder agreement. I also understand card holder agreements are not signed. I do not have a copy of the 1993 original card holder agreement. I assume the agreement stated some form of liability but I am not sure of the language.