Title 44 — Trade and Commerce
37 chapters · 786 sections in this title.
A.R.S. § 44-7801 Definitions
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In this article, unless the context otherwise requires: 1. "Authorized user" means any person other than a cardholder who has actual, implied or apparent authority to use a cardholder's credit card or credit card account. 2. "Cardholder" means the named person who applies for or …
A.R.S. § 44-7802 Acceptance of credit card agreement
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A cardholder's acceptance of the terms and conditions of a credit card account may be established as binding and enforceable in accordance with the terms and conditions of the credit card agreement or by either of the following other methods: 1. The cardholder's written or electr…
A.R.S. § 44-7803 Consumer credit cardholder liability
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A cardholder is personally liable for all charges and interest incurred on the cardholder's credit card account by the cardholder or an authorized user. In no case is a cardholder liable for any charges or interest that result from the unauthorized use of a credit card.
A.R.S. § 44-7804 Establishment of amount owed on a credit card account
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In an uncontested court action in this state a creditor may establish the amount of the debt that is owed on a credit card account through a copy of the issuer's final billing statement or by the electronic record pursuant to section 44-7007 that is maintained by the issuer and t…
A.R.S. § 44-7805 Establishment of interest rate
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Subject to sections 44-1205 and 44-6002, if applicable, a creditor may establish the contracted interest rate for a credit card account through either of the following: 1. Terms and conditions that contain a stated or variable interest rate. 2. A billing statement generated by th…
A.R.S. § 44-7806 Consumer protection rights
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Nothing in this chapter diminishes the party's consumer protection rights that are prescribed in any federal law or other state law relating to consumers.