Rose

I. BACKGROUND

Defendant Chase Manhattan Bank USA (“Chase”) moves for a judgment on the pleadings based on Plaintiffs’ Rose, Raitt, Abeyta, Reis (collectively “Rose”) First Amended Complaint.

In the first cause of action, Rose asserts three claims under California’s unfair competition law (“UCL”), Cal. Bus. & Prof. Code § 17200 et seq., on behalf of a putative class of California credit cardholders who accepted offers of convenience check loans from Chase on or after June 13, 2001. The main thrust of Rose’s claims is that Chase did not include information required by California Civil Code § 1748.9 (“Section 1748.9”) in its offers, and that the failure to make those disclosures is an unlawful business practice under the UCL.

In the second cause of action, Rose asserts that Chase did not disclose that purchases paid for using convenience checks would accrue finance charges immediately, unlike purchases made with a credit card, and therefore that Chase engaged in deceptive conduct under the UCL. (FAC, ¶ 31.)

In the third cause of action, Rose asserts that Chase has committed unfair business practices because Chase “induced consumers to use the convenience checks without warning…