Definiciones de tarjetas de crédito, débito y cheques en el estado de Washington

Explicación Simple

Esta ley define qué son las tarjetas de crédito y débito, y también los cheques. Por ejemplo, una tarjeta de crédito es como una llave que te permite comprar cosas sin pagar en ese momento.

Es como tener una tarjeta de entrada a un parque de diversiones: te permite disfrutar de las atracciones ahora, pero después tienes que pagar por la entrada.

Ejemplo Práctico

Imagina que Juan va a una tienda y compra una bicicleta usando su tarjeta de crédito. La tienda registra esta venta como una transacción con tarjeta de crédito, lo que significa que Juan podrá pagar más tarde en lugar de hacerlo de inmediato.

Texto Original del Estatuto (Inglés)

RCW 9A.56.280 - Credit, debit cards, checks, etc. -- Definitions As used in RCW 9A.56.280, 9A.56.290, 9A.60.020, 9A.56.320, and 9A.56.330, unless the context requires otherwise:(1) "Cardholder" means a person to whom a credit card or payment card is issued or a person who otherwise is authorized to use a credit card or payment card.(2) "Check" means a negotiable instrument that meets the definition of "check" under RCW 62A.3-104 or a blank form instrument that would meet the definition of "check" under RCW62A.3-104 if it were completed and signed.(3) "Credit card" means a card, plate, booklet, credit card number, credit card account number, or other identifying symbol, instrument, or device that can be used to pay for, or to obtain on credit, goods or services.(4) "Credit card or payment card transaction" means a sale or other transaction in which a credit card or payment card is used to pay for, or to obtain on credit, goods or services.(5) "Credit card or payment card transaction record" means a record or evidence of a credit card or payment card transaction, including, without limitation, a paper, sales draft, instrument, or other writing and an electronic or magnetic transmission or record.(6) "Debit card" means a card used to obtain goods or services by a transaction that debits the cardholder's account, rather than extending credit.(7) "Financial information" means financial information as defined in RCW 9.35.005.(8) "Financial institution" means a bank, trust company, mutual savings bank, savings and loan association, or credit union authorized under state or federal law to do business and accept deposits in Washington.(9) "Means of identification" means means of identification as defined in RCW 9.35.005.(10) "Merchant" means an owner or operator of any r