Criminal Defense

Potential Defense Strategies For Credit Card Fraud

August 19, 2022 by Seppi Esfandi in Criminal Defense  Federal Crime  
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How to Defend Fraud Charges: Hire an Attorney

Credit card fraud is unlawfully using a credit card, debit card, or other payment mechanisms. The court considers it theft when someone is accused of applying for a credit card using another person’s details or using a corporate credit card for personal purchases.

The penalty for a conviction in this white-collar crime may be severe. Depending on the facts, an attorney may use various defense methods.

Credit card, debit card, and access card fraud are crimes in California that Penal Code Section 484(e)-(j) These laws cover all crimes that involve using, accessing, or dishonestly publishing credit card information or getting things of value like money, goods, or services without the cardholder’s permission. Different laws and types of crimes have different penalties.

If you have been accused of credit card fraud or a similar crime, there are many ways to defend yourself in court, depending on the details of your case.

A California criminal defense attorney can aid you in determining the best course of action to defend yourself and help you get the best possible result.

California Credit Card Fraud Penalties

You may be charged with a misdemeanor or felony for most credit card fraud crimes. Keep in mind that the prosecutor does not have to establish that the victim has suffered a loss to proceed with the case.

  • A misdemeanor credit card fraud conviction can lead to a year in county jail and a fine of up to $1,000.
  • A felony credit card fraud conviction can lead to 16 months, two or three years in prison, and a fine of $10,000.

A PC 484 case should be filed depending on the following:

If the loss is more than $950, a felony will be filed.
It is always a misdemeanor under PC 484j to publish credit card information.

Possible Defense Approaches to Credit Card Fraud

When you are convicted or accused of credit card fraud, the prosecution can charge you with additional or alternative crimes because of the circumstances surrounding your particular act. Some of the most common ways to defend yourself when charged with credit card fraud include:

  • Lack of Fraudulent Intent: Even if all the other facts of the case are in your favor, you can’t be found guilty of credit card fraud if the prosecutor can’t prove beyond a reasonable doubt that you meant to cheat someone or something else.
  • Lack of Sufficient Evidence: All parts of the crime must be proven to get a conviction. This isn’t always easy for prosecutors, especially when a reasonable defense attorney fights them every step.
  • False Accusations: It’s not unthinkable that an individual who holds a grudge against someone else would make up a charge of credit card fraud against that person to get back at them.
  • Mistaken Identity: Since the person who commits credit card fraud may be “concealed behind a computer” or somehow hidden from the people they are stealing from, it is not unusual for someone else to be framed or wrongly thought guilty based on circumstantial evidence.
  • Duress: You were forced to commit the crime while being criminally threatened by another person.

Similar Crimes

Other crimes that can be charged with credit card fraud or instead of it are:

  • Identity theft: when someone gets someone else’s personal information illegally and pretends to be that person to steal their property. California considers identity theft a wobbler felony depending on criminal history and current conduct. Misdemeanors carry a one-year prison sentence and a $1,000 fine. Felony sentences include 16 months to three years in prison and a $10,000 fine.
  • Fraud on the Internet: It is against the law to commit internet fraud. Online purchases made through fraud, the sale of goods obtained through fraud, or the sale of equipment for making credit cards online are all examples. Internet credit card fraud carries a minimum 20-year jail term.
  • Mail Theft: If you steal mail and use the information inside to commit credit card fraud, you could get a year in jail and a fine of up to $1,500.
  • Conspiracy: If you worked with one or more other people to commit credit card fraud in any way, you may also face a conspiracy charge. Misdemeanors carry a year in prison and a $10,000 fine. Felony convictions carry up to three years in prison.

Charged with Credit Card Fraud? Call 310-274-6529
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Need an Attorney? CALL NOW: 310-274-6529

Seppi Esfandi is an Expert Attorney who has over 23 years of practice defending a variety of cases.

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Lara S.
December 3, 2019
Seppi had my case reduced to just an infraction, and thanks to him I was able to keep my job. Jorge was extremely helpful too, the reason I went with this law firm. Overall pleased.

How to Win Your Case

We cannot stress enough that you read, understand and follow these 10 basic rules if you are criminally charged or under investigation:

  1. Don’t ever talk to the police
  2. Do not discuss your case with anyone
  3. Everything you tell your lawyer is confidential
  4. Tell police you need to contact your attorney
  5. Never consent to any search by the police
  6. If the police knock on your door, don't answer!
  7. Realize the consequences of a criminal conviction
  8. Your lawyer (not you) will contact any witnesses
  9. Information on your cell phone is evidence
  10. Early Intervention is the key

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