CCW are issued on a "may issue" basis. This differs from county to county. Usually the New York counties closer to New York City are more restrictive when it comes to issuing permits. There are local restrictions on where you can carry your weapon, even in areas that operate as "shall issue" for permits. It is a felony to carry a loaded, concealed weapon without a permit.
Concealed carry is the ability to, legally carry a gun that is not plainly visible. This applies to carrying it on one's person, or inside their vehicle. While many states allow concealed carry of a firearm on one's person with a permit, most do not allow concealed carry in a vehicle, or have strict guidelines on how the gun must be stored.
Most states require the applicant be at least 21 to apply for a permit, along with other requirements unique from state to state. There is a fee invaulved in getting a CCW which varies widly from state to state. Some states honor the concealed carry permit of certain other states (see the Permits Honored section for a complete listing).