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What to Know About Credit Card Fraud in New York

Credit card fraud is defined as the unauthorized taking of someone’s credit or debit card with the intent of removing money from the account or charging the card with purchases. There are two categories of credit card fraud that are recognized by New York criminal law: stolen, canceled, or revoked credit cards, and forged credit cards. If you are facing credit card fraud charges, it is best to retain the services of an experienced criminal defense attorney who can fight for your rights in court. Our firm understands the process and system put in place in New York and will fight tirelessly for the best possible outcome of your case. Reach out to our firm today to get started. We are here to help.

Two Categories of Credit Card Fraud

  • Stolen, Canceled, or Revoked Credit Cards:

The first category of credit card fraud relates to stolen, canceled, and revoked credit cards. Section 165.17 prohibits a person from the unlawful use or display of a credit card to purchase anything with the knowledge that the card is revoked or canceled. This can be punishable by up to a year of jail time and a $1,000 fine. Stealing a credit card can result in prosecution for Criminal Possession of Stolen Credit Cards. This is a Class E Felony that can result in up to four years of prison time. An additional charge of forgery may be added if you sign for a purchase using the name of the actual cardholder. Additional charges for credit card fraud as such include Identity Theft in the First Degree, Grand Larceny from the Person, and Credit Card Grand Larceny & Theft.

  • Forged Credit Cards:

New York Penal Law Section 170.25 prohibits possessing a credit card that has been forged, altered, or is a fraudulent copy. These acts are considered a Criminal Possession of a Forged Instrument in the Second Degree and are considered a Class D felony which can result in up to seven years in prison.

If you are facing credit card fraud charges and are accused of larceny and theft crimes, you will need the assistance of an experienced criminal defense attorney. With their assistance, they will examine all potentially extenuating or exonerating circumstances. They will research the details of your case including if you had the card owner’s permission to use the credit card, if there was a valid reason why it was in your possession, and if you were aware of the fact that the card was forged.

Reach out to our experienced criminal defense attorney today to learn how we can assist your upcoming case. You do not need to go through this process alone. Give our firm a call today to schedule an initial consultation.


Kevin T. Conway has over 30 years of experience as a Spring Valley criminal attorney handling DUI, DWI, traffic violations, violent crimes, sex crimes, illegal gun possession, shoplifting, and juvenile crimes. Attorney Conway is also experienced in commercial law matters, zoning law, and estate planning. If you need a Rockland County criminal lawyer, contact our Spring Valley office for a free consultation.

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