North Dakota Century Code Title 51. Sales and Exchanges § 51-14.1-01. Definition of credit cards and other terms and imposition of liability on cardholder

1. “Accepted credit card” means any credit card which the cardholder has requested in writing or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. A renewal credit card must be deemed to be accepted if it is issued within one year after a prior card has been paid for or used. A credit card issued in connection with a merger, acquisition, or the like of card issuers or credit card services in substitution for an accepted credit card must be deemed to be an accepted credit card.

2. “Adequate notice” means a writing which is conspicuous and which is printed on the credit card or on each periodic statement.

3. “Card issuer” means any person who issues a credit card.

4. “Cardholder” means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person.

5. “Conspicuous” means any term or clause which is so written that a reasonable person against whom it is to operate ought to have noticed it.

6. “Credit card” means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

7. “Unauthorized use” means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.