Definiciones sobre tarjetas de transacciones financieras en Carolina del Norte

Explicación Simple

Esta ley define términos importantes sobre las tarjetas que usamos para comprar cosas, como las tarjetas de crédito. Por ejemplo, explica quién puede aceptar estas tarjetas y qué hace una tarjeta cuando no es válida.

Es como tener una llave que abre una cerradura. Si la llave es válida, puedes entrar; si está caducada, ya no sirve para abrir la puerta.

Ejemplo Práctico

Imagina que Juan quiere comprar un videojuego en una tienda. La tienda acepta tarjetas de crédito, así que Juan usa su tarjeta. Si la tarjeta de Juan está caducada, no podrá hacer la compra y tendrá que usar efectivo o conseguir una tarjeta nueva.

Texto Original del Estatuto (Inglés)

§ 14-113.8. Definitions. The following words and phrases as used in this Chapter, unless a different meaning is plainly required by the context, shall have the following meanings: (1) Acquirer. - "Acquirer" means a business organization, financial institution, or an agent of a business organization or financial institution that authorizes a merchant to accept payment by financial transaction card for money, goods, services or anything else of value. (1a) Automated Banking Device. - "Automated banking device" means any machine which when properly activated by a financial transaction card and/or personal identification code may be used for any of the purposes for which a financial transaction card may be used. (2) Cardholder. - "Cardholder" means the person or organization named on the face of a financial transaction card to whom or for whose benefit the financial transaction card is issued by an issuer. (3) Expired Financial Transaction Card. - "Expired financial transaction card" means a financial transaction card which is no longer valid because the term shown on it has elapsed. (4) Financial Transaction Card. - "Financial transaction card" or "FTC" means any instrument or device whether known as a credit card, credit plate, bank services card, banking card, check guarantee card, debit card, or by any other name, issued with or without fee by an issuer for the use of the cardholder: a. In obtaining money, goods, services, or anything else of value on credit; or b.