Esta sección de la ley explica qué son las tarjetas de crédito y quiénes están involucrados en su uso. Incluye términos como 'tarjeta de crédito', 'titular' y 'emisor'. Es importante entender esto para manejar tu dinero de manera segura.
Es como tener una llave que te permite entrar a una tienda. La tarjeta de crédito es esa llave y el titular es la persona que tiene la llave para comprar cosas.
Imagina que Ana tiene una tarjeta de crédito que le dio su banco. Cuando va a la tienda y usa su tarjeta, el vendedor acepta el pago porque Ana es la titular de la tarjeta. Si la tarjeta de Ana expire, no podrá usarla aunque tenga dinero en su cuenta.
Va. Code § 18.2-191 - Definitions. The following words and phrases as used in this article, unless a different meaning is plainly required by the context, shall have the following meanings: "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 credit card or credit card number for money, goods, services or anything else of value. "Cardholder" means the person or organization named on the face of a credit card to whom or for whose benefit the credit card is issued by an issuer. "Credit card" means any instrument or device, whether known as a credit card, credit plate, payment device number, 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 anything else of value on credit. For the purpose of this article, "credit card" shall also include a similar device, whether known as a debit card, or any other name, issued with or without fee by an issuer for the use of the cardholder in obtaining money, goods, services or anything else of value by charging the account of the cardholder with a bank or any other person even though no credit is thereby extended. "Expired credit card" means a credit card which is no longer valid because the term shown on it has elapsed. "Issuer" means the business organization or financial institution or its duly authorized agent which issues a credit card. "Payment device number" means any code, account number or other means of account access, other than a check, draft or similar paper instrument, that can be used to obtain money, goods, services or anything else of value, or to initiate a transfer of funds. "Payment device number" does not include an
El titular de tarjeta es la persona a la que se le emite una tarjeta de crédito. Es quien puede usarla para hacer compras o pagar servicios.
Una tarjeta de crédito expirada es aquella que ya no es válida porque ha pasado su fecha de vencimiento. No se puede usar para realizar compras.
Una tarjeta de crédito puede ser emitida por una institución financiera o un negocio autorizado. Ellos son los que crean y distribuyen las tarjetas.
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