A cardholder is personally liable for all charges and interest incurred on the cardholder’s credit card account by the cardholder or an authorized user. In no case is a cardholder liable for any charges or interest that result from the unauthorized use of a credit card.

Terms Used In Arizona Laws 44-7803

  • 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. See Arizona Laws 44-7801
  • Cardholder: means the named person who applies for or accepts the credit card account. See Arizona Laws 44-7801
  • 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. See Arizona Laws 44-7801
  • 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. See Arizona Laws 44-7801