Virginia Decodedhttps://vacode.org789286.2-425Cardholder not liable in absence of request for, consent to issuance of, or use of card20256.2-4266.2-427Financial Institutions and ServicesGeneral ProvisionsCertain Lending PracticesCredit Cards

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 shall neither:

1. Be evidence of a cardholder’s request for or consent to the issuance of the credit card, nor

2. Constitute negligence on the part of the cardholder.

C. Use by an authorized agent of the cardholder shall be the equivalent of use by the cardholder. The burden of proving the authority of an agent shall be upon the issuer.

1970, c. 324, § 11-31; 2010, c. 794.