2016 New York Laws
GBS - General Business
Article 29-A - (General Business) UNAUTHORIZED OR IMPROPER USE OF CREDIT CARDS AND DEBIT CARDS
511 - Definitions.

  511.  Definitions.  In  this article, unless the context or subject
  matter otherwise requires:
1. "Credit card" means and includes any  credit  card,  credit  plate,
  charge  plate,  courtesy  card,  or  other identification card or device
  issued by a person to another person which may be used to obtain a  cash
  advance or a loan or credit or to purchase or lease property or services
  on the credit of the issuer or of the holder;
2.  "Person"  includes  an  individual,  corporation,  partnership  or
  association, two or more persons having a joint or  common  interest  or
  any other legal or commercial entity;
3. "Issuer" means a person who issues a credit card or a debit card;
4. "Holder" means a person to whom such a credit card or debit card is
  issued or who has agreed with the issuer to pay obligations arising from
  the use of a credit card or debit card issued to another person;
5.  "Unauthorized use" means use of a credit card or a debit card by a
  person other than the holder  who  does  not  have  actual,  implied  or
  apparent  authority  from the holder for such use and from which use the
  holder receives no benefit;
6. "Seller" means any person who honors credit cards  or  debit  cards
  which may be used to purchase or lease property or services;
7. "Lender" means any person who honors credit cards which may be used
  to obtain a cash advance or loan.
8.  "Improper  use" means unauthorized use of a credit card or a debit
  card or use of a revoked, cancelled, expired or forged  credit  card  or
  debit  card  at  the  premises  of  a seller or lender, to obtain a cash
  advance or loan, or to purchase or lease property  or  services,  or  an
  attempt to do so;
9.  "Debit card" means a card, plate or other similar device issued by
  a person to another  person  which  may  be  used,  without  a  personal
  identification  number,  code  or similar identification number, code or
  similar identification, to purchase or lease property or  services.  The
  term  does  not  include  a  credit  card  or  a check, draft or similar
  instrument.
10. "Secured credit card" means any credit card for  which  an  issuer
  takes  a  pledge  of  a specifically identified interest-bearing deposit
  account as provided in section four hundred  thirteen  of  the  personal
  property law.