N.Y. GBS Law § 511

§ 511. Definitions. In this article, unless the context or subject\nmatter otherwise requires:\n 1. "Credit card" means and includes any credit card, credit plate,\ncharge plate, courtesy card, or other identification card or device\nissued by a person to another person which may be used to obtain a cash\nadvance or a loan or credit or to purchase or lease property or services\non the credit of the issuer or of the holder;\n 2. "Person" includes an individual, corporation, partnership or\nassociation, two or more persons having a joint or common interest or\nany other legal or commercial entity;\n 3. "Issuer" means a person who issues a credit card or a debit card;\n 4. "Holder" means a person to whom such a credit card or debit card is\nissued or who has agreed with the issuer to pay obligations arising from\nthe use of a credit card or debit card issued to another person;\n 5. "Unauthorized use" means use of a credit card or a debit card by a\nperson other than the holder who does not have actual, implied or\napparent authority from the holder for such use and from which use the\nholder receives no benefit;\n 6. "Seller" means any person who honors credit cards or debit cards\nwhich may be used to purchase or lease property or services;\n 7. "Lender" means any person who honors credit cards which may be used\nto obtain a cash advance or loan.\n 8. "Improper use" means unauthorized use of a credit card or a debit\ncard or use of a revoked, cancelled, expired or forged credit card or\ndebit card at the premises of a seller or lender, to obtain a cash\nadvance or loan, or to purchase or lease property or services, or an\nattempt to do so;\n 9. "Debit card" means a card, plate or other similar device issued by\na person to another person which may be used, without a personal\nidentification number, code or similar identification number, code or\nsimilar identification, to purchase or lease property or services. The\nterm does not include a credit card or a check, draft or similar\ninstrument.\n 10. "Secured credit card" means any credit card for which an issuer\ntakes a pledge of a specifically identified interest-bearing deposit\naccount as provided in section four hundred thirteen of the personal\nproperty law.\n