ACUSTOMER’S EASY ACCESS TO CREDIT when purchasing goods or services has become an integral part of today’s business landscape. These transactions often occur when the business and the customer enter a contract that allows the extension of credit from the enterprise with the requirement that the patron repay the debt at a future date. Generally, these contracts are deemed enforceable; however, sometimes the courts consider a contract to be unenforceable when defenses such as public policy are raised.1 Like other industries that issue advances to their customers, the casinos also enter contracts to provide immediate credit to their patrons to facilitate the many services they provide. In New Jersey and Nevada, approximately $5.0 Billion of credit is issued each year to patrons of gaming establishments.2 While the gaming industry is similar to other businesses in providing credit to its customers, the courts have treated their access to the legal system and the enforcement aspect of these debts very differently from other industries.3 Many courts have grappled with a number of different issues in confronting the dilemma of how to treat claims for gaming debts.4 Some courts have traditionally reasoned these contracts unenforceable on the grounds that public policy prohibits access to the courts and the enforcement of casino credit due to incurrence of the debt for gambling purposes.5 Other courts have deemed the contracts unenforceable because the subject matter of the contract was illegal.6 However, some courts have allowed criminal prosecution under a state’s bad check statutes.7 Regardless the approach in enforcing the debt, the extension of credit in gaming has become vital in facilitating and furthering the goals of companies conducting business in the industry.8 This extension of credit to its customers has developed into an intricate system whereby the casino provides easier and wider access to its services while increasing the wagering activity of its patrons.9 Moreover, by receiving casino credit, the customer does not face the security risk of carrying large amounts of cash in public and can readily access this