Credit and debit card fraud are serious matters. Some people might even face them without realizing they did anything wrong. This is because the definition of this crime likely includes more than what you think it might.
Here are a few points you need to know about credit and debit card fraud:
Understanding the types of credit and debit card fraud
One of the three ways that credit card fraud occurs is if you steal someone’s credit or debit card. Even if you have permission to have the card from the rightful owner, you can still face a criminal charge. This is because you can only purchase things that are approved if you have someone else’s card. You can’t use someone’s debit or credit card to purchase a television when he or she only told you to purchase a dozen eggs.
It is also possible to face this charge if you make a purchase with your own credit or debit card and you know that the account is closed or doesn’t have sufficient funding to cover the purchases. While this isn’t common these days due to the instant electronic approvals, it is still possible in some instances.
Even business owners or employees can face credit or debit card fraud charges if they accept payment from a credit or debit card they know is stolen. This can be difficult to handle, but it is the reason some businesses ask for identification when a person pays with a card.
If you are facing a credit or debit card fraud charge, you need to think about the defense options. Since no case is exactly the same as other cases, you can’t base your defense on someone else’s case.
Source: FindLaw, “Debit / Credit Card Fraud,” accessed Feb. 07, 2018