Definiciones sobre tarjetas de transacciones financieras en Carolina del Sur

Explicación Simple

Esta sección explica qué es una tarjeta de transacción financiera, como una tarjeta de crédito o débito. También define quién puede usarla y qué significa cuando ya no es válida.

Es como tener una llave que abre tu casa. La tarjeta de transacción financiera es la llave que te permite acceder a tu dinero y hacer compras.

Ejemplo Práctico

Imagina que Juan tiene una tarjeta de débito. Un día, va al supermercado y usa su tarjeta para comprar comida. Si la tarjeta de Juan ya no es válida porque se le pasó la fecha de vencimiento, no podrá comprar nada hasta que obtenga una nueva.

Texto Original del Estatuto (Inglés)

SECTION 16-14-10. 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) "Automated banking device" means any machine which when properly activated by a financial transaction card or personal identification code may be used for any of the purposes for which a financial transaction card may be used. (2) "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 (3) "Expired financial transaction card" means a financial transaction card which is no longer valid because the term shown on it has elapsed. (4) "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; (b) in certifying or guaranteeing to a person or business the availability to the cardholder of funds on deposit that are equal to or greater than the amount necessary to honor a draft or check payable to the order of such person or business; (c) in providing the cardholder access to a demand deposit account or time deposit account for the purpose of: 1. making deposits of money or checks therein; 2. withdrawing funds in the form of money, money orders, or traveler's checks therefrom; 3. transferring funds from any demand deposit account or time deposit account to any other demand deposit account or time deposit account; 4. transferring funds from any demand deposit account or time deposit