A California judge ruled Friday that Visa USA Inc. and MasterCard International Inc. don’t have to send individual warnings to thousands of consumers whose personal account information was stolen during a high-tech heist uncovered earlier this year.

“I don’t see the emergency,” San Francisco Superior Court Judge Richard Kramer said in rejecting a request for an order against the nation’s two largest credit card associations. “I don’t think there is an immediate threat of irreparable injury” to consumers.