New Jersey’s laws cover several types of credit card-related offenses, including credit card theft and credit card fraud.
In New Jersey, a person can be charged with credit card theft if he or she has:
- Taken a credit card that was lost or wrongly delivered with the intent to use it;
- Taken a credit card without the consent of the card owner with the intent to use it;
- Taken a credit card as security for a debt;
- Sold or bought a credit card from a source other than the issuer;
- Counterfeited a credit card; or
- Claimed to be a credit card holder by falsely signing the card.
These are typically charged as fourth-degree crimes, and persons who are convicted of these crimes may be sentenced to up to 18 months in prison.
Other forms of credit card crimes include credit card fraud. Credit card fraud is the more serious offense, and some credit card fraud offenses can be treated as third-degree crimes. A person may be charged with credit card fraud if he or she has knowingly used a forged or expired credit card to defraud a goods and services provider. A provider can also be guilty of credit card fraud if he uses a card to defraud the issuer.
Credit card fraud offenses can result in a prison sentence of up to five years. However, there may be a number of factors that affect sentencing, including the person’s criminal record, as well as specific types of crimes in his criminal history, like financial crimes.
The New Jersey criminal defense lawyers at Helmer Paul Conley and Kasselman represent persons charged with DUI, sex crimes, drug crimes, assault, fraud and other types of crimes across New Jersey