11 U.S.C. section 523(a)(2)(A); credit card issuer's default judgment denied because issuer's complaint failed to sufficiently allege facts that established false pretenses, false representation or actual fraud.  Nondischargeability based on false pretenses, false representation, or actual fraud requires a showing of actual, subjective fraudulent intent which is not established solely by the fact than an insolvent debtor used a credit card and made implied representations concerning the ability to pay or ultimately did not have the ability to pay the debt.