 Marquette brought suit against First National, claiming the interest rate charged Minnesotan customers using First National credit card services (VISA), though legal in Nebraska, exceeded the interest rate allowed under Minnesota state law.Marquette was also issuing cards but did not exceed the interest rate permitted by the law in the cardholder's state.The court ruled in 1978 that a federally chartered bank like First National could offer credit card services nationwide and the maximum interest rate to cardholders was that allowed by the state the bank was located in and not the customer's state.