Fraudulent Use of a Credit Card
Credit card fraud happens when someone uses another person’s credit card to either make unauthorized purchases or to withdraw/transfer funds.
There are two main ways that credit card fraud takes place. The first method involves someone either finding or stealing another person’s credit card. Instead of turning it in, the person decides to put the credit card to use and goes on a shopping spree.
The second way that credit card fraud happens is when one person hacks into another person’s credit card accounts, steals the numbers, and starts using them for themselves.
The good news is that you have it in your power to limit the amount of strain both types of credit card fraud puts on your life. The first thing you need to do is become vigilant about checking your credit card statement for unfamiliar charges. The best approach is to have email alerts sent to you each time your card is used. If that’s not possible, get into the habit of logging into your credit card account and checking the transactions at least once a day.
As soon as you see charges that you didn’t make, you need to leap into action and arrange to have your current credit card canceled and a new one issued. Once you’ve done that, start working with your credit card company to get the charge reversed. The sooner you contact the insurance company, the better.
California lawmakers take credit card fraud very seriously. Using another person’s credit card without that person’s permission is illegal. The exact consequences depend on which of California’s laws were broken. In some cases, credit card fraud is only a misdemeanor while in others it is treated as a serious felony. In serious cases, someone who is convicted of credit card fraud in California could be sentenced to three years in prison and also be charged a large fine.
Providing False Credit Card Information
There are times when we could all use a little extra money. Adding an additional line of credit to our lives seems like a good way to get it. The problem is that if you’re already overstretched, the credit card companies will likely reject your application. This can prompt some of us to consider providing false credit card information.
Before you start to provide someone with false credit card information you should know about Penal Code 484f PC. This is the law that outlines the consequences of providing false credit card information in California.
The law states: “(a) Every person who, with the intent to defraud, designs, makes, alters, or embosses a counterfeit access card or utters or otherwise attempts to use a counterfeit access card is guilty of forgery.
(b) A person other than the cardholder or a person authorized by him or her who, with the intent to defraud, signs the name of another or of a fictitious person to an access card, sales slip, sales draft, or instrument for the payment of money which evidences an access card transaction, is guilty of forgery.”
If you think providing false credit card information is something that only happens when people lie on credit card applications, you’re wrong. While there are lots of people who do lie when they apply for credit cards, there are many different ways a person can violate the law.
Examples of providing false credit card information include:
- Creating fake debit/credit cards
- Using a friend/family member’s credit card without first getting their permission
- Providing a store with a fake credit card number
- Doing something to alter the numbers on a credit/debit card
Providing false credit card information is a wobbler offense. The circumstances surrounding the incident and the amount of money involved are used to determine if you’ll be charged with a misdemeanor or a felony. If you’re convicted of misdemeanor falsifying credit card information, the maximum sentence is one year in jail and restitution. In felony cases, the maximum sentence is three years in prison.
In most cases, providing false credit card information is just one of the charges you’ll have hanging over your head. Additional charges usually connected to this type of crime usually include forgery, petty theft, stealing a credit card, etc.