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  3. What is Credit Card Fraud in Arizona?

What is Credit Card Fraud in Arizona?

Jul 19, 2021 | Credit Card Fraud Attorney

When most people hear about “credit card fraud,” they envision some complex scheme involving discovering your card number or other information through hacking. While that certainly does occur, and may constitute credit card fraud, the definition of the offense in Arizona is much broader than you might think.

Credit card fraud is covered as a distinct subject – Chapter 21 – of Title 13 of the Arizona Revised Statutes. True, it covers the more complex versions of credit card fraud, but also some acts which you might not think would rise to the level of fraud. Here is the list of some of the acts which are classified as credit card fraud, beginning with A.R.S. 13-2102, along with their respective classifications:

  • Stealing a credit card. Class 5 felony.
  • Selling or transferring a credit card without the consent of the card’s owner. Class 5 felony.
  • Receiving anything of value as the result of fraudulent use of a credit card. Class 1 misdemeanor if the value is less than $250. The classification could be as high as a class 5 felony (value of $1,000 or more).
  • Forging a credit card. This may involve altering a card, making a fake card, or similar acts, with intent to defraud. Class 4 felony.
  • Using a credit card the user knows is cancelled or forged. Class 1 misdemeanor.
  • Possession of an incomplete card (with intent to complete it) or possession of machinery designed to reproduce a fake credit card, without consent of the issuer of the card. Class 1 misdemeanor.
  • Making a materially false statement concerning one’s identity or financial condition, intending that it be relied upon, for purposes of obtaining a credit card. Class 5 felony.
  • Furnishing goods or services (or anything else of value) based upon a credit card the merchant knows is invalid. Class 6 felony.
  • Use of a device to scan or reencode a credit card with intent to defraud. Class 4 felony.

There are, of course, additional acts that may also be charged as credit card fraud under Chapter 21.

The scope of the statute is obviously broad, and the punishment, if you are convicted can be, in many cases, severe. Note, in that regard, that most of these offenses are classified as felonies.

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