The General Assembly finds, determines, and declares that:
(1) Credit, particularly the use of credit cards, is an important tool for consumers in today's economy;
(2) Unscrupulous persons often fraudulently use the credit card accounts of others by stealing the credit card itself or obtaining the necessary information to fraudulently charge the purchase of goods and services to another person's credit card account; and
(3) Protection from unauthorized use of credit card accounts is necessary.