Illinois Compiled Statutes

815 ILCS 140/1 (2026)

As used in this Act:     (a) "Credit card" has the meaning set forth in Section 17-0

✓ current as of May 2026
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(815 ILCS 140/1) (from Ch. 17, par. 6001)
    Sec. 1. As used in this Act:
    (a) "Credit card" has the meaning set forth in Section 17-0.5 of the Criminal Code of 2012, but does not include "debit card" as defined in that Section, which can also be used to obtain money, goods, services and anything else of value on credit, nor shall it include any negotiable instrument as defined in the Uniform Commercial Code, as now or hereafter amended;
    (b) "Merchant credit card agreement" means a written agreement between a seller of goods, services or both, and the issuer of a credit card to any other party, pursuant to which the seller is obligated to accept credit cards; and
    (c) "Credit card transaction" means a purchase and sale of goods, services or both, in which a seller, pursuant to a merchant credit card agreement, is obligated to accept a credit card and does accept the credit card in connection with such purchase and sale.
(Source: P.A. 96-1551, eff. 7-1-11; 97-1150, eff. 1-25-13.)

    
Notes of Decisions
Cited in 2 cases, 2001–2001 · leading case: Rubino v. Circuit City Stores, Inc., 758 N.E.2d 1 (Ill. App. Ct. 2001).
Rubino v. Circuit City Stores, Inc., 758 N.E.2d 1 (Ill. App. Ct. 2001). · cites it 2× “(West 1998) (Interest Act); 815 ILCS 140/1 et *6 seq. (West 1998) (Credit Card Issuance Act); 815 ILCS 510/1 et seq.”
Rubino v. Circuit City Stores, Inc. Modification of Feb. 9, 2001, opinion upon denial of rehearing (Ill. App. Ct. 2001). “(West 1998) (Interest Act); 815 ILCS 140/1 et seq . (West 1998) (Credit Card Issuance Act); 815 ILCS 510/1 et seq.”
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