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5 Acts that Can Get a New York Resident Convicted of Credit Card Fraud


5 Acts that Can Get a New York Resident Convicted of Credit Card Fraud

Most people know that using a counterfeit credit card, a credit card they just picked up on the street, or skimmed credit card data could land them in some real hot water. Yet there are some more “routine” actions that New York residents take every day that could also get them accused of credit card fraud.

Turns out you don’t have to commit some form of identity theft to land in some very hot water indeed. 

Making Purchases on a Friend’s Card

Did your friend give you permission to use one of their credit cards? This isn’t against the law, but make sure you have a record of exactly what you were allowed to use the card for, and when. Texts, emails, and social media conversations count as a record. Verbal conversations do not.

What you don’t want to do is get into a situation where it’s your word against your friend’s. If your friend gave you permission to use a credit card to purchase a plane ticket make sure you purchase only that plane ticket in the class of seat that your friend has authorized. Do not purchase anything else. 

The moment you purchase something your friend didn’t give you permission to purchase is the moment you could get into big trouble.

If you and another person such as a friend, roommate, or significant other trade credit cards regularly to handle household business it is best to become an authorized user on that card so that the problem never arises. You might get into a spat over what one of you purchased, but if you’re an authorized user you’ll never get convicted of credit card fraud over it. 

Misrepresenting Your Income on an an Application

You want that amazing platinum card with all the points, but you aren’t sure if your $35,000 a year income is going to cut it? Think twice before you write $40,000 into that application.

While the credit card company is unlikely to check on the day you apply, this will come back to bite you if you ever try to file bankruptcy later. The credit card company will check your application against your income. If there is a disparity, they can bring it to the judge.

At best, your credit card debt may be considered non-dischargeable. At worst, you could face criminal charges.

Authorized User Fraud

Did a parent or friend make you an authorized user on their card? You’re free to keep using it, as long as they’re still alive.

The moment they die the credit card company must be informed. You will not be able to continue using that card. While the credit card company will happily collect payments from you for years, they will also see to it that you’re prosecuted for any charges made after that death and will do so the moment those payments stop. 

Fraudulent Disputes

You have the right to dispute credit card charges that you did not make or for products you did not receive. You cannot dispute credit card charges just because you don’t like the product, or on the off chance that you might not have to pay for it if you make a big enough fuss.

The credit card companies will take note of unusual dispute patterns and they will alert law enforcement if they see patterns they do not like. 

Free Trial Fraud

Want to try that neat piece of web-based software you just found? They’re offering a free trial?

Put your real, valid credit card number into the form. Using a fake one just to get the free trial can get you convicted of credit card fraud. If you don’t want the full subscription you’ll have to navigate the cancellation process.

Doing anything else is considered a theft of products or services because you did not meet the conditions of the free trial but received the benefit anyway. 

Need help? Reach out to Scott Russell Law today.

These charges can be fought, but you’ll need an expert criminal lawyer to do it successfully. If you’re in trouble, contact our offices to set up a consultation today.

See also:

Can a Felony Charge Be Reduced to a Misdemeanor Charge?

What Happens When You Write a Bad Check in New York? 

What Should You Do If There’s a Warrant for Your Arrest in New York?


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