Credit Card Fraud in Texas | What You Need to Know

Credit card fraud is a very common crime. Because these crimes are not often violent in nature, people tend to think they are less serious than other crimes. But, in Texas, credit card fraud can carry heavy penalties. Read on to learn more.

What Constitutes Credit Card Fraud in Texas?

In Texas, the following actions are considered credit card fraud:

  • Using a credit or debit card that is not your own
  • Using a card that has been expired, revoked, or canceled
  • Using a fictitious card
  • Receiving any benefit that you know has been obtained by credit card fraud
  • Stealing a credit or debit card with the intent to use it, sell it, or transfer it to anyone but the cardholder
  • Buying a credit or debit card from someone you know is not the issuer of the card
  • Selling a credit or debit card
  • Inducing the cardholder to use his/her card to obtain property for your benefit when the cardholder is financially unable to pay for it
  • Possessing a credit or debit card that is not your own and having the intent to use it

What are the Penalties for Credit Card Fraud?

All of the above offenses are considered to be a state felony, which can result in 6 months to 2 years in a state jail facility and fines of up to $10,000.

What Are Potential Defenses when Charged with Credit Card Fraud?

If you are facing charges for credit card fraud, or firm will work to explore all possible avenues of defense. Some possible defenses include:

  • Lack of knowledge
  • Lack of intent
  • Mistake
  • Duress (being coerced to perform a crime that you otherwise would not perform)
  • Age (being a minor may lessen the penalty imposed)

If you are facing charges for credit card fraud, you will need the help of an experienced and dedicated attorney. Reach out to our firm to discuss your case.


We understand how challenging various legal matters can be, which is why we have dedicated ourselves to helping clients in Texas through a wide array of legal matters, including personal injury law and criminal defense. If you have sustained a serious injury or are facing criminal charges, contact the Gonzalez Law Group today to learn more about how we can help you through every step of the legal process ahead.