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. […]
44-7802. Acceptance of credit card agreement A cardholder’s acceptance of the terms and conditions of a credit card account may be established as binding and enforceable in accordance with the terms and conditions of the credit card agreement or by either of the following other methods: 1. The cardholder’s written or electronic signature or by […]
44-7803. Consumer credit cardholder liability 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.
44-7804. Establishment of amount owed on a credit card account In an uncontested court action in this state a creditor may establish the amount of the debt that is owed on a credit card account through a copy of the issuer’s final billing statement or by the electronic record pursuant to section 44-7007 that is […]
44-7805. Establishment of interest rate Subject to sections 44-1205 and 44-6002, if applicable, a creditor may establish the contracted interest rate for a credit card account through either of the following: 1. Terms and conditions that contain a stated or variable interest rate. 2. A billing statement generated by the issuer that contains a stated […]
44-7806. Consumer protection rights Nothing in this chapter diminishes the party’s consumer protection rights that are prescribed in any federal law or other state law relating to consumers.
