Federal Criminal Defense Lawyer

Credit card fraud is a federal crime that relates to attempting or carrying out a scheme to deceive others and involves credit or debit cards. Plain theft may be implicated, for example where an assumed perpetrator in fact steals someone’s credit card and uses it. Credit card fraud may also be performed via the internet or other computer crimes. Mainly, the crime would involve misrepresenting information, counterfeiting, forgery or any other form of fraud or deception to possibly attain another’s credit card information or to deceive vendors by using a counterfeit card.

Some examples of credit card fraud are:

  • Stolen credit card: when a credit card is lost or stolen, it remains usable until the holder informs the issuer that the card is lost.  It is possible for a thief to make illegal purchases on a card until it is canceled.  A thief could possibly purchase thousands of dollars in goods or services before the cardholder or the card issuer could recognize that the card was infact stolen.
  • Skimming: is theft of credit card information used in an unlawful transaction.  It is usually an “inside job” by a deceitful employee of an authorized merchant.
  • Carding: is a term used for a process to authenticate the legitimacy of stolen card data.  The thief inputs the card information on a website that has real-time transaction processing.  If the card is processed successfully, the thief knows that the card is still active.
  • Identity theft: can be divided into two categories.  The first is application fraud, this happens when a thief uses stolen or fake information to open an account under someone else’s name without their consent.  The second is account takeover, this happens when a thief attempts to take over someone’s account by accumulating information about the proposed victim, then communicating with their card issuer impersonating as the actual cardholder, and asking for correspondence to be changed to a new address.

Penalties for credit card fraud can include arrest, prosecution and/or financial retribution. Even if you have not been formally charged with a crime, attorney Hernandez can intercede and work to protect your rights and interests through the entire investigation by federal law enforcement. Involving an attorney as early in the process as possible is important if you are to have the best opportunity of successfully fighting your charges and avoiding a conviction. Due to the difficulty of the cases and the probable sentences that attach, it is essential that you contact Mr. Hernandez. 

For more information contact attorney Armando Hernandez today at 305-442-2590 for your free consultation.