44-7801. Definitions In this article, unless the context otherwise requires: 1. ' Authorized user' means any person other than a cardholder who has actual, implied or apparent authority to use a cardholder's credit card or credit card account. 2. ' Cardholder' means the named person who applies for or accepts the credit card account. 3. ' Charges' means purchases, cash advances, annual membership fees, delinquent payment fees, insufficient fund fees, over limit fees or other amounts incurred through use of the credit card. 4. ' Credit card' means any card, plate or other single credit device that may be used from time to time to obtain credit and shall include a charge card, courtesy card, identification card or account number that may be used to access a line of credit to purchase goods or services. 5. ' Credit card account' means a line of credit offered by an issuer to a cardholder that is accessible by the use of a credit card. 6. ' Credit card agreement' means the terms and conditions governing the use of the credit card account. 7. ' Creditor' means the person, business, financial institution or commercial enterprise that owns the credit card account. 8. the terms and conditions governing the use of the credit card account. 7. ' Creditor' means the person, business, financial institution or commercial enterprise that owns the credit card account. 8. ' Financial institution' means any of the following: (a) A banking institution that is authorized to issue credit cards pursuant to federal or state law. (b) A banking subsidiary owned by a bank holding company as defined in 12 United States Code section 1841, or by a savings and loan holding company as defined in 12 United States Code section 1467a(a)(1)(d). (c) Any other federally regulated banking institution. 9. ' Issuer' means a financial institution or an authorized agent of a financial institution that issues a credit card.
Arizona Legal Code