{"data":{"id":"us-ny/n.y.-general-business-law-511","jurisdiction":"us-ny","citation":"N.Y. General Business Law § 511","heading":"Definitions","body":"§ 511. Definitions. In this article, unless the context or subject\nmatter otherwise requires:\n  1. \"Credit card\" means and includes any credit card, credit plate,\ncharge plate, courtesy card, or other identification card or device\nissued by a person to another person which may be used to obtain a cash\nadvance or a loan or credit or to purchase or lease property or services\non the credit of the issuer or of the holder;\n  2. \"Person\" includes an individual, corporation, partnership or\nassociation, two or more persons having a joint or common interest or\nany other legal or commercial entity;\n  3. \"Issuer\" means a person who issues a credit card or a debit card;\n  4. \"Holder\" means a person to whom such a credit card or debit card is\nissued or who has agreed with the issuer to pay obligations arising from\nthe use of a credit card or debit card issued to another person;\n  5. \"Unauthorized use\" means use of a credit card or a debit card by a\nperson other than the holder who does not have actual, implied or\napparent authority from the holder for such use and from which use the\nholder receives no benefit;\n  6. \"Seller\" means any person who honors credit cards or debit cards\nwhich may be used to purchase or lease property or services;\n  7. \"Lender\" means any person who honors credit cards which may be used\nto obtain a cash advance or loan.\n  8. \"Improper use\" means unauthorized use of a credit card or a debit\ncard or use of a revoked, cancelled, expired or forged credit card or\ndebit card at the premises of a seller or lender, to obtain a cash\nadvance or loan, or to purchase or lease property or services, or an\nattempt to do so;\n  9. \"Debit card\" means a card, plate or other similar device issued by\na person to another person which may be used, without a personal\nidentification number, code or similar identification number, code or\nsimilar identification, to purchase or lease property or services. The\nterm does not include a credit card or a check, draft or similar\ninstrument.\n  10. \"Secured credit card\" means any credit card for which an issuer\ntakes a pledge of a specifically identified interest-bearing deposit\naccount as provided in section four hundred thirteen of the personal\nproperty law.","path":["General Business Law","Article 29-A. Unauthorized or Improper Use of Credit Cards and Debit Cards"],"source_url":"https://legislation.nysenate.gov/api/3/laws/GBS/511","current_through":"2026-09-11","vintage":"","retrieved_at":"2026-09-14T19:32:44Z","sha256":"a06fedb7db3f54e7aa7306d105eb869704cfc99c00f9b441afaca99b1cd0e568","source_id":"us-ny","stale":false,"prev":"us-ny/n.y.-general-business-law-509","next":"us-ny/n.y.-general-business-law-511-a"},"notice":"GroundRules: Original legal text. Not legal advice."}