{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/6.2-424.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/6.2-424.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/6.2-424.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/6.2-424.html"}],"law_id":69648,"edition_id":1,"section_id":69648,"structure_id":15640,"section_number":"6.2-424","catch_line":"Definitions","history":"1970, c. 324, \u00a7 11-30; 2010, c. 794.","full_text":"As used in this article, unless the context otherwise requires:\n\t\t“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.\n\t\t“Credit card” means any instrument or device, whether known as a credit card, credit plate, or by any other name, issued with or without fee by an issuer for the use of the cardholder in obtaining money, goods, services, or any other thing of value.\n\t\t“Issuer” means the business organization or financial institution or its duly authorized agent that issues a credit card.\n\t\t“Payment device” means any credit card, any “accepted card or other means of access” as defined in 15 U.S.C. \u00a7 1693a(1), or any card that enables a person to pay for transactions through the use of value stored on the card itself.","order_by":null,"text":{"0":{"id":251802,"text":"As used in this article, unless the context otherwise requires:\n\t\t“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.\n\t\t“Credit card” means any instrument or device, whether known as a credit card, credit plate, or by any other name, issued with or without fee by an issuer for the use of the cardholder in obtaining money, goods, services, or any other thing of value.\n\t\t“Issuer” means the business organization or financial institution or its duly authorized agent that issues a credit card.\n\t\t“Payment device” means any credit card, any “accepted card or other means of access” as defined in 15 U.S.C. \u00a7 1693a(1), or any card that enables a person to pay for transactions through the use of value stored on the card itself.","type":"section","prefixes":[""],"prefix":"","entire_prefix":"","prefix_anchor":"","level":1}},"ancestry":[{"id":15640,"edition_id":1,"name":"Credit Cards","identifier":"3","label":"article","depth":4,"order_by":1,"parent_id":12854,"metadata":{},"date_created":"2026-06-26 03:57:15","date_modified":"2026-06-26 03:57:15","permalink":{"id":263565,"object_type":"structure","relational_id":15640,"identifier":"3","token":"6.2\/I\/4\/3","url":"\/6.2\/I\/4\/3\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12854,"edition_id":1,"name":"Certain Lending Practices","identifier":"4","label":"chapter","depth":3,"order_by":1,"parent_id":12853,"metadata":{},"date_created":"2026-06-26 03:43:56","date_modified":"2026-06-26 03:43:56","permalink":{"id":263463,"object_type":"structure","relational_id":12854,"identifier":"4","token":"6.2\/I\/4","url":"\/6.2\/I\/4\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12853,"edition_id":1,"name":"General Provisions","identifier":"I","label":"subtitle","depth":2,"order_by":1,"parent_id":12852,"metadata":{},"date_created":"2026-06-26 03:43:56","date_modified":"2026-06-26 03:43:56","permalink":{"id":263251,"object_type":"structure","relational_id":12853,"identifier":"I","token":"6.2\/I","url":"\/6.2\/I\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12852,"edition_id":1,"name":"Financial Institutions and Services","identifier":"6.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:56","date_modified":"2026-06-26 03:43:56","permalink":{"id":263249,"object_type":"structure","relational_id":12852,"identifier":"6.2","token":"6.2","url":"\/6.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":69648,"structure_id":15640,"section_number":"6.2-424","catch_line":"Definitions","url":"\/6.2-424\/","token":"6.2\/I\/4\/3\/6.2-424","metadata":false},{"id":78928,"structure_id":15640,"section_number":"6.2-425","catch_line":"Cardholder not liable in absence of request for, consent to issuance of, or use of card","url":"\/6.2-425\/","token":"6.2\/I\/4\/3\/6.2-425","metadata":false},{"id":69824,"structure_id":15640,"section_number":"6.2-426","catch_line":"When request, consent, or use not condition precedent to liability","url":"\/6.2-426\/","token":"6.2\/I\/4\/3\/6.2-426","metadata":false},{"id":59762,"structure_id":15640,"section_number":"6.2-427","catch_line":"Costs and attorney fee in suit on card; evidence of request or consent","url":"\/6.2-427\/","token":"6.2\/I\/4\/3\/6.2-427","metadata":false},{"id":65187,"structure_id":15640,"section_number":"6.2-428","catch_line":"Production of credit card number as condition of check cashing or acceptance prohibited","url":"\/6.2-428\/","token":"6.2\/I\/4\/3\/6.2-428","metadata":false},{"id":71795,"structure_id":15640,"section_number":"6.2-429","catch_line":"Improper use of payment device numbers","url":"\/6.2-429\/","token":"6.2\/I\/4\/3\/6.2-429","metadata":false},{"id":70551,"structure_id":15640,"section_number":"6.2-430","catch_line":"Place where transaction occurred; federal Fair Credit Billing Act","url":"\/6.2-430\/","token":"6.2\/I\/4\/3\/6.2-430","metadata":false},{"id":83421,"structure_id":15640,"section_number":"6.2-431","catch_line":"Certain cards excepted","url":"\/6.2-431\/","token":"6.2\/I\/4\/3\/6.2-431","metadata":false},{"id":66433,"structure_id":15640,"section_number":"6.2-432","catch_line":"Credit card account disclosures","url":"\/6.2-432\/","token":"6.2\/I\/4\/3\/6.2-432","metadata":false}],"next_section":{"id":78928,"structure_id":15640,"section_number":"6.2-425","catch_line":"Cardholder not liable in absence of request for, consent to issuance of, or use of card","url":"\/6.2-425\/","token":"6.2\/I\/4\/3\/6.2-425","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/6.2-424\/","history_text":"

This law was first created in 1970. The record of its establishment is cataloged in chapter 324 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1970 \u201cActs\u201d aren\u2019t available online. It has been modified 1 time. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. That modification is as follows: in 2010, chapter 794<\/a>.<\/p>","references":[{"id":55795,"section_number":"19.2-10.1","catch_line":"(Effective July 1, 2026) Subpoena duces tecum for obtaining records concerning banking and credit cards","order_by":null,"url":"\/19.2-10.1\/"},{"id":71614,"section_number":"19.2-56","catch_line":"(Effective July 1, 2026) To whom search warrant directed; what it shall command; warrant to show date and time of issuance; copy of affidavit to be part of warrant and served therewith; warrants not executed within 15 days","order_by":null,"url":"\/19.2-56\/"},{"id":83421,"section_number":"6.2-431","catch_line":"Certain cards excepted","order_by":null,"url":"\/6.2-431\/"},{"id":79354,"section_number":"8.01-420.9","catch_line":"Subpoena duces tecum; financial records of nonparty","order_by":null,"url":"\/8.01-420.9\/"}],"refers_to":false,"permalink":{"id":263567,"object_type":"law","relational_id":69648,"identifier":"6.2-424","token":"6.2\/I\/4\/3\/6.2-424","url":"\/6.2-424\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/6.2-424\/","token":"6.2\/I\/4\/3\/6.2-424","dublin_core":{"Title":"Definitions","Type":"Text","Format":"text\/html","Identifier":"\u00a7 6.2-424","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

As used in this article, unless the context otherwise requires:\n\t\t“Cardholder<\/span>” means the person<\/span> or organization named on the face of a credit card<\/span> to whom or for whose benefit the credit card<\/span> was issued by an issuer<\/span>.\n\t\t“Credit card<\/span>” means any instrument or device, whether known as a credit card<\/span>, credit plate, or by any other name, issued with or without fee by an issuer<\/span> for the use of the cardholder<\/span> in obtaining money, goods, services, or any other thing of value.\n\t\t“Issuer<\/span>” means the business organization or financial institution<\/span> or its duly authorized agent that issues<\/span> a credit card<\/span>.\n\t\t“Payment device<\/span>” means any credit card<\/span>, any “accepted card or other means of access<\/span>” as defined in 15 U.S.C. \u00a7 1693a(1), or any card that enables a person<\/span> to pay for transactions through the use of value stored on the card itself.<\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nDEFINITIONS (\u00a7 6.2-424)\n\nAs used in this article, unless the context otherwise requires:\n\t\t“Cardholder” means the person or organization named on the face of\na credit card to whom or for whose benefit the credit card was issued by an\nissuer.\n\t\t“Credit card” means any instrument or device, whether known as a\ncredit card, credit plate, or by any other name, issued with or without fee by\nan issuer for the use of the cardholder in obtaining money, goods, services, or\nany other thing of value.\n\t\t“Issuer” means the business organization or financial institution\nor its duly authorized agent that issues a credit card.\n\t\t“Payment device” means any credit card, any “accepted card\nor other means of access” as defined in 15 U.S.C. \u00a7 1693a(1), or any card\nthat enables a person to pay for transactions through the use of value stored on\nthe card itself.\n\nHISTORY: 1970, c. 324, \u00a7 11-30; 2010, c. 794.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}