Upon receiving the card, plaintiff activated the account through Credit a person’s interactive sound reaction system, and on May 21, 2012, plaintiff started charges that are making the account. Item 17-1, 12-13; see additionally id. at pp. 15-16. Account records mirror that plaintiff has made regular utilization of the Credit One account (see id. at 15-56), so that as alleged within the amended grievance, “[f]rom time for you time, [p]laintiff has been not able to make payments regarding the balance pursuant to her personal credit line.” Item 3, 8.