Unauthorized use of a credit card can lead to serious legal consequences in Creek County. Depending on the circumstances of the offense, such as the amount charged on the card and the context of the unauthorized use, the crime can be classified as either a misdemeanor or a felony. Additionally, there could be possible restitution that the court can order. Here, we’ll discuss what this charge means and some of the potential consequences.

Understanding Unauthorized Use of a Credit Card

Unauthorized use of a credit card involves using someone else’s credit card information without their permission. This can include stealing a credit card, using stolen card information, or knowingly using a card that has been canceled. For example, if you were to use your card at a bar and an employee wrote down the information to use online later. Online phishing scams are also a notorious way for a person or entity to gain unauthorized use of a credit card. A phishing scam a type of cyberattack that involves sending fraudulent messages that appear to come from a legitimate source, such as a company or person. They will often ask for information like credit card numbers under the guise of helping you with some fake issue. Not only are these actions illegal, but Oklahoma law treats them as forms of fraud or theft.

Misdemeanor vs. Felony Charges

The classification of unauthorized credit card use as either a misdemeanor or a felony is mainly based on the amount of money charged or the number of transactions made. Each comes with different penalties, such as:

• Misdemeanor: Typically, if the total fraudulent amount is under $500, the offense is considered a misdemeanor. Misdemeanor charges for credit card fraud generally include fines, returning the stolen funds, and up to one year in jail.
• Felony: If the amount exceeds $500, the court can elevate the offense to a felony. This can result in more severe penalties, including higher fines and longer prison sentences, potentially up to several years in state prison depending on the amount and the defendant’s criminal history. Felony charges also cause you to lose some privileges, such as gun rights.

While the charges vary in severity, both will leave you with a criminal record and can impact your future. A misdemeanor might seem like a harmless offense, but it’s still a record. Any criminal record can harm your chances of obtaining certain employment opportunities or hurt your social standing. Fraud charges can also impact your financial opportunities.

Other Factors for Unauthorized Use of a Credit Card Charges

Many other factors can influence whether unauthorized use of a credit card is a misdemeanor or felony in Creek County:

• Previous Convictions: Individuals with prior convictions for fraud or related offenses are more likely to face harsher charges.
• Multiple Instances of Fraud: Engaging in unauthorized use of credit cards repeatedly or against multiple victims.
• Identity Theft Involvement: If the unauthorized use involves elements of identity theft, such as using someone else’s details to obtain the credit card.

The court looks at all aspects of the case before making their decision on what the official charges will be.

Creek County Criminal Defense Attorneys

In Creek County, unauthorized use of a credit card can be a misdemeanor or a felony, based on the circumstances. Anyone facing such charges should seek legal counsel immediately. An attorney can provide assistance in navigating the legal system, defending against the charges, and minimizing potential penalties. Understanding misdemeanor and felony charges and the factors that influence these classifications is important when involved in or accused of credit card fraud. If you’re currently facing these charges, our team at Creek County Attorneys can help you through the process and advocate for you. Call us at 918-209-3709 for a free and confidential consultation or ask a legal question here.