With the convenience that credit cards offer comes the temptation to shop until you drop. However, if those purchases involve using someone else’s credit card information without consent, you could be committing fraud. A conviction for credit card fraud can result in severe legal penalties.
Is using someone else’s credit card illegal?
Families and friends sometimes lend each other credit cards when money is tight. Or they might ask someone else to make a purchase on their behalf or allow someone to use it as a generous gesture. Borrowing a credit card is usually fine, provided you have the card owner’s permission and if their cardholder agreement allows such use.
However, it is a crime to knowingly use a card that is stolen, canceled, revoked or without authorization. Similarly, it is unlawful to apply for a card with false information.
Credit card fraud involves the intentional and deceptive use of a credit card for monetary or personal gain. Whether you are completing an online transaction or swiping at a retail store, be careful when using a card that is not yours.
The penalties for credit card fraud
New Hampshire takes the fraudulent use of credit cards seriously. A conviction can have long-lasting consequences. You risk a felony charge, punishable by heavy fines and jail time. The value involved in your illegal transactions will determine the severity of your penalty.
If you believe that you have been wrongly accused or if you are already facing charges, consider reaching out to a legal professional. An experienced criminal defense attorney can help you understand the charges against you and explore possible defenses that can be vital to your case.
The next time you’re handling someone else’s credit card, keep these considerations in mind. Should the need arise, consider seeking legal counsel.
