Section 3. Definition of Terms. —

For purposes of this Act, the terms:

1. Access Device — means any card, plate, code, account number, electronic serial number, personal identification number, or other telecommunications service, equipment, or instrumental identifier, or other means of account access that can be used to obtain money, good, services, or any other thing of value or to initiate a transfer of funds (other than a transfer originated solely by paper instrument);

2. Counterfeit Access Device — means any access device that is counterfeit, fictitious, altered, or forged, or an identifiable component of an access device or counterfeit access device;

3. Unauthorized Access Device — means any access device that is stolen, lost, expired, revoked, canceled, suspended, or obtained with intent to defraud;

4. Access Device Fraudulently Applied for — means any access device that was applied for or issued on account of the use of falsified document, false information, fictitious identities and addresses, or any form of false pretense or misrepresentation;

5. Consumer — means a natural person;

6. Credit Card — means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, goods, property, labor or services or any thing of value on credit;

7. Device Making or Altering Equipment — means any equipment, mechanism or impression designed or primarily used for making or altering or reencoding an access device or a counterfeit access device;

8. Finance Charges — represent the amount to be paid by the debtor incident to the extension of credit such as interest or discounts, collection fees, credit investigation fees, and other service charges;

9. Open-End-Credit plan — means a consumer credit extended on an account pursuant to a plan under which:

   1. the creditor may permit the person to make purchase or obtain loans, from time to time, directly from the creditor or indirectly by use of credit card, or other service;

   2. the person has the privilege of paying the balance; or

   3. a finance charge may be computed by the creditor from time to time on an unpaid balance.

10. Penalty Charges — means such amount, in addition to interest, imposed on the credit card holder for non-payment of an account within a prescribed period;

11. Produce — includes design, alter, authenticate, duplicate or assemble; and

12. Trafficking — means transferring, or otherwise disposing of, to another, or obtaining control of, with intent to transfer or dispose of.