Ariz. Rev. Stat. » Title 44
Arizona Revised Statutes

Ariz. Rev. Stat. § 44-7803 (2026)

Consumer credit cardholder liability

✓ current as of May 2026
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44-7803. Consumer credit cardholder liability

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.

 

Notes of Decisions
Cited in 2 cases (1 in the last 5 years), 2016–2025 · leading case: Copper State v. Espiritu (Ariz. Ct. App. 2016).
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Copper State v. Espiritu (Ariz. Ct. App. 2016). · cites it 2× “¶16 The Espiritus also argue summary judgment was inappropriate because Paoletti could have been responsible for some, if not all of the debt.”
Dodev v. Citibank N.A. (D. Ariz. 2025). · cites it 2× “) He asserts 7 statutory claims under Ariz. Rev. Stat. § 44-7803 , the Federal Credit Billing Act, and the 8 Truth in Lending Act, and common law claims for infliction of emotional distress, breach 9 of contract, breach of the implied covenant of good faith and fair dealing, and…”
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