Cal. CIV § 1747.10
This is the official text of Cal. CIV § 1747.10, part of California’s Civil Code — covers contracts, property ownership, personal rights, and other general civil obligations between private parties.
Not legal advice. This page reproduces the official text of a government statute for reference only. Laws change, and how a statute applies depends on your specific facts. For advice about your situation, consult a licensed attorney in your state.
Official statutory text
A cardholder shall be liable for the unauthorized use of a credit card only if all of the following conditions are met:
(a) The card is an accepted credit card.
(b) The liability is not in excess of fifty dollars ($50).
(c) The card issuer gives adequate notice to the cardholder of the potential liability.
(d) The card issuer has provided the cardholder with a description of a means by which the card issuer may be notified of loss or theft of the card.
(e) The unauthorized use occurs before the card issuer has been notified that an unauthorized use of the credit card has occurred or may occur as the result of loss, theft, or otherwise.
(f) The card issuer has provided a method whereby the user of such card can be identified as the person authorized to use it.
(a) The card is an accepted credit card.
(b) The liability is not in excess of fifty dollars ($50).
(c) The card issuer gives adequate notice to the cardholder of the potential liability.
(d) The card issuer has provided the cardholder with a description of a means by which the card issuer may be notified of loss or theft of the card.
(e) The unauthorized use occurs before the card issuer has been notified that an unauthorized use of the credit card has occurred or may occur as the result of loss, theft, or otherwise.
(f) The card issuer has provided a method whereby the user of such card can be identified as the person authorized to use it.
Status: in_force · Read it on the official government site
Need a lawyer in California?
Find a California lawyer
About this page: Statute text is reproduced from official government publishers via the
Open US Law dataset
(Vaquill AI, snapshot v2026.08, CC BY 4.0). Primary legislative text like this is public domain under the government-edicts doctrine
(Georgia v. Public.Resource.Org, 2020). We link every section back to its official source so you can verify it independently.