In this Scottish case a customer argued that his credit card agreement with a bank was unenforceable as it did not contain a term specifying the credit limit, one of the prescribed terms required by the Consumer Credit Act 1974 (the “CCA”). The agreement provided that “Your Credit Limit will be determined by us from time to time and notified to you”. The courts held that this clause provided a manner in which the credit limit would be determined and accordingly the agreement was enforceable. A similar approach was also adopted by the English courts – Patrick Brophy v HFC Bank Ltd [2010] EWHC 819 (QB).