Credit Card Fraud


Helping with financial transaction fraud charges since 1973

As with any fraud charge, credit card fraud can be complex, and a conviction can result in jail time, fines and an order to pay back what was stolen.

Lawyers at Clifford & Harris, PLLC have more than 65 combined years of defending financial fraud cases. We focus only on criminal defense. Our attorneys represent merchants and individuals from all walks of life in minor and high-value theft cases. We ensure you understand your charges and your options as we pursue the best possible outcome for you.

North Carolina credit card fraud law

You are guilty of credit card fraud if you, with the intent to defraud:

  • Use a card you know was illegally obtained from someone or through a fraudulent card application, or one that was forged, altered, expired or revoked
  • Obtain money, goods, services or anything else of value by:
    • Representing without the cardholder’s permission that the card is yours
    • Presenting a card without the owner’s authorization
    • Representing that you own a card that has not been issued
    • Using a card to knowingly and willfully exceed the actual balance of a demand deposit account, time deposit account or authorized credit line
  • Obtain control over a card as security for debt
  • Deposit into your account money in any form that is not yours
  • Receive anything of value as a result of illegally deposited funds

If you are a person or merchant who provides money, goods or services, you are guilty of credit card fraud if you intentionally:

  • Provide goods when paid with a card you know is stolen, forged, expired or revoked
  • Fail to provide the services or goods you told the credit card company you provided

Credit card fraud under these sections is a Class 2 misdemeanor if the value of the crime is less than $500 in any six-month period. If the value exceeds $500 in that period, it is a Class I felony punishable by three to eight months in jail, if you have no prior record.

If you make a false statement in applying for credit, it is a Class 2 misdemeanor. Similarly, if you falsely report your credit card stolen or claim you did not receive the goods you paid for, it is a Class 2 misdemeanor.

Do not face credit card fraud charges in Greensboro alone

Attorneys at Clifford & Harris, PLLC have the legal and technical knowledge to obtain fair treatment in court. If you are under investigation or have been arrested for credit card fraud, contact us at 336-574-2788 or online to set up a free consultation with a qualified lawyer.