How Does Oklahoma Prosecute Credit Card Fraud?

For many, receiving their first credit card is an incredibly exciting time, as this is often the first step to building credit. As such, instances of credit card fraud are taken very seriously, as this impacts people’s finances and credit, which can have impacts for the rest of their lives. If you have been charged with credit card fraud, it’s imperative to understand the penalties you can face for these matters. The following blog explores when these charges are warranted, what penalties you can face for a felony offense, and how an Oklahoma City white-collar crime lawyer can help fight these charges.

What Constitutes Credit Card Fraud in Oklahoma?

There are many different actions that can constitute credit card fraud in Oklahoma. Typically, at its core, credit card fraud occurs anytime you use someone else’s credit card information without their consent. This could be physically swiping a card at a store or inputting their credit card information for online purchases.

However, you can also be charged with card fraud that has been revoked or canceled after receiving notice from the cardholder. It is also considered fraud to use a credit card that has been counterfeit, forged, or otherwise manipulated.

What Penalties Can I Face For this Offense?

While instances of credit fraud that stem from knowingly using a credit card that was not issued to you is a misdemeanor carrying a maximum of up to one year in jail and fines of up to $1,000, stealing a credit card is more serious. If you take a credit card through larceny, embezzlement, or extortion, this is a felony offense. Additionally, if you obtain a credit card that you know is stolen with the intention of using or selling it, you will also face a felony. Felony credit card theft warrants up to three years in prison and up to $3,000 in fines.

Are There Any Defenses I Can Use?

Though it may not seem possible, you may be able to defend yourself against felony card fraud charges. One of the most common defenses is that you did not steal the card, but that you found it and intended to return it. If you can show that you made attempts to find the owner, such as looking them up on the internet, you may be able to show that you are not guilty of card fraud. You may also be able to show that you received permission to use the card and that the claims of theft are unfounded.

Regardless, credit card fraud can be an incredibly complicated matter, so it’s in your best interest to connect with an experienced criminal defense attorney who can guide you through these complicated times. At the Jones Firm, PLLC, we understand how difficult it can be to face criminal charges. That’s why our team will do everything possible to fight for you during these times. Contact us today for more information.