§ 6.2-432. Credit card account disclosures
Any application form or preapproved written solicitation for an open-end credit card account to be used for personal, family, or household purposes that is mailed to a consumer residing in the Commonwealth by or on behalf of a creditor, whether or not the creditor is located in the Commonwealth, other than an application form or […]
§ 6.2-430. Place where transaction occurred; federal Fair Credit Billing Act
Solely for the purpose of a buyer asserting claims and defenses pursuant to 15 U.S.C. § 1666i, a transaction shall be presumed to have occurred at the mailing address most recently provided by the cardholder to the card issuer, without regard to the location where the last act necessary for the formation of the contract […]
§ 6.2-431. Certain cards excepted
Except as set forth in § 6.2-428, the provisions of §§ 6.2-424 through 6.2-430 shall not apply to any credit card issued by any telephone company that is subject to supervision or regulation by the Commission. 1970, c. 324, § 11-34; 1990, c. 587; 2010, c. 794.
§ 6.2-427. Costs and attorney fee in suit on card; evidence of request or consent
A. In any suit arising out of the use of a credit card, where the request, consent, or use as required by § 6.2-425 is denied and is not proved, and judgment shall be for the defendant, the court shall assess against the issuer all court costs and shall award the defendant a reasonable attorney […]
§ 6.2-428. Production of credit card number as condition of check cashing or acceptance prohibited
A. Except as otherwise provided in subsection D, no person shall, as a means of identification or for any other purpose: 1. Require that a person produce a credit card number for recordation; or 2. Record a credit card number in connection with (i) a sale of goods or services in which a purchaser pays […]
§ 6.2-429. Improper use of payment device numbers
A. No person that accepts payment devices for any purpose shall print on any receipt provided to the holder of the payment device (i) more than the last four digits of the payment device number or (ii) the expiration date. B. For transactions in which the sole means of recording the person’s payment device number […]
§ 6.2-424. Definitions
As used in this article, unless the context otherwise requires: “Cardholder” means the person or organization named on the face of a credit card to whom or for whose benefit the credit card was issued by an issuer. “Credit card” means any instrument or device, whether known as a credit card, credit plate, or by […]
§ 6.2-425. Cardholder not liable in absence of request for, consent to issuance of, or use of card
A. A cardholder who receives a credit card from an issuer, which card the cardholder has not requested nor consented to the issuance of in writing, nor used, shall not be liable for any amount owing because of a use of the credit card. B. The failure to destroy or return an unsolicited credit card […]
§ 6.2-426. When request, consent, or use not condition precedent to liability
The request, consent, or use required in § 6.2-425 as a condition precedent to liability shall not be necessary in any instance: 1. Of a credit card that is a renewal of a credit card previously held and used by the cardholder or his authorized agent within 12 months of the renewal date; or 2. […]