In Texas, the Statute of Limitations clock starts on the day the last payment on the account was made. This is often referred to as the ‘date of last activity’ or DLA.”

http://www.bigtexcredit.com/resources/texas-law-library/texas-statute-of-limitat ions-on-debt/

At the bottom is a link to http://www.statutes.legis.state.tx.us/Docs/CP/htm/CP.16.htm#16.004

“Sec. 16.004. FOUR-YEAR LIMITATIONS PERIOD. (a) A person must bring suit on the following actions not later than four years after the day the cause of action accrues: …”

So WHEN does a cause of action “accrue?”

The day when you make the last payment?

Or the day when you default, when you do NOT make the minimum payment due?

Note: The DLA on a credit report really is NOT related to payments. SOME reports actually give you the date of the last payment.