Credit card fraud (also known as credit card abuse) is a criminal offense in every state and includes a broad range of fraudulent uses of credit or debit cards. Laws vary from state to state, and some states have separate criminal offenses for related crimes, such as the manufacturing of counterfeit credit cards.
Credit card fraud generally includes (1) using a stolen or illegally obtained credit or debit card to obtain goods or services; (2) using a fictitious credit or debit card or account number to obtain goods or services; (3) stealing a credit or debit card or, with knowledge that it has been stolen, receiving a credit or debit card with intent to use it, sell it, or transfer it to a person other than the issuer or the cardholder; (4) buying a credit or debit card from a person the buyer knows is not the issuer of the credit card (a bank); (5) selling a credit or debit card when the seller is not the authorized issuer of the card (a bank); (6) when a merchant—with the intent to defraud the card issuer (bank) or the cardholder—provides goods or services based on the presentation for payment of a credit or debit card the merchant knows is forged, expired, or revoked; or (7) when a merchant—with the intent to defraud the card issuer (bank) or the cardholder—fails to furnish goods or services it represents to the card issuer in writing that it has furnished.
The laws regarding criminal offenses related to credit card fraud are usually located in a state’s statutes—often in the penal or criminal code.
In Ohio, credit card fraud is considered a serious criminal offense and is covered under the Ohio Revised Code (ORC), primarily in sections 2913.21 to 2913.31, which deal with various forms of fraud including misuse of credit cards. The law encompasses a range of activities such as using a stolen or illegally obtained credit or debit card, using fictitious card information, and possessing, receiving, buying, or selling stolen or counterfeit credit cards. Merchants who intentionally defraud cardholders or issuers by accepting invalid cards or misrepresenting transactions are also committing credit card fraud. Penalties for credit card fraud in Ohio vary depending on the severity of the offense and can range from misdemeanor charges for minor infractions to felony charges for more serious offenses, potentially leading to fines, restitution, and imprisonment. An attorney can provide specific legal advice and representation to individuals facing credit card fraud allegations in Ohio.
