Virginia Code § 6.2-426

When request, consent, or use not condition precedent to liability
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The request, consent, or use required in § 6.2-425 as a condition precedent to liability shall not be necessary in any instance:
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.
1970, c. 324, § 11-32; 2010, c. 794.

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