Credit Card Fraud

New York state law recognizes two distinct fraud-related usages of a credit card. Under section 165.15(1) of the New York Penal Code, a person commits credit card fraud if they obtain or attempt to obtain goods or services on a credit basis using a credit card that they know to be stolen. Section 165.17 prohibits the unlawful use or display of a credit card that they know to have been revoked or canceled in order to obtain a property or service. The law does not even require the prosecution to prove that a defendant acquired the card illegally or even purchased a property or service. Credit card fraud can take on many forms:
• Stealing a credit card and using it to purchase merchandise
• Stealing credit card data
• Using credit card data to make unauthorized online purchases
• Opening a new credit card account using someone else’s identifying details
• Creating or using forged credit cards