Thanks to Polly over at the ever-lively Larchmont-Mamaroneck-New Roc community site TheLoopNY.com for a nice plug of The New York Commuter’s Glossary on her site!
Polly shares her own experience with page 42:
I was a strange victim of Unfare (p.42) Sunday. Because I buy 10-rides, one off-peak and one peak, I have often had conductors gladly punch a peak fare for an off-peak ride, because I have run out of the other. I have seen conductors take tickets to White Plains, or Croton, because the fare was about the same.
I had a peak ticket New Rochelle to Grand Central ($9.25), though I was riding off-peak Larchmont to Grand Central ($7.75). But this conductress demanded $3.00 due to the difference in zone between Larchmont and New Rochelle.