{"id":371302,"date":"2024-10-30T13:06:45","date_gmt":"2024-10-30T18:06:45","guid":{"rendered":"https:\/\/ability-fl-prod.internetbrands.com\/ability-law\/state\/alabama-law\/alabama-credit-card-fraud.html"},"modified":"2024-10-30T13:36:34","modified_gmt":"2024-10-30T18:36:34","slug":"alabama-credit-card-fraud","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/state\/alabama-law\/alabama-credit-card-fraud.html","title":{"rendered":"Alabama Credit Card Fraud"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-28f84493 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Alabama Credit Card Fraud<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/melissa-mccall-j-d\/\">Melissa McCall, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/laura-temme-esq\/\">Laura Temme, Esq.<\/a>\n                | Last updated\n        <time>\n                            October 30, 2024\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<div class=\"fl-key-takeaways fl-mb30\" data-testid=\"fl-key-takeaways\">\n    <div class=\"fl-card-content\">\n        <div class=\"fl-card-body fl-card-bg-teal fl-flex fl-flex-column\">\n                            <h2 class=\"fl-card-title fl-h2 fl-no-margin\">Key Takeaways<\/h2>\n                        <p>Credit card fraud includes the illegal possession or fraudulent use of a credit or debit card. Alabama recognizes these two types of credit card fraud in its criminal code. Those convicted of credit card fraud in Alabama face between one and five years behind bars.&nbsp;<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n<div class=\"fl-rich-text\"><p><a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/credit-debit-card-fraud.html\">Credit card fraud<\/a> in America is far-reaching, with <a href=\"https:\/\/www.ftc.gov\/system\/files\/ftc_gov\/pdf\/CSN-Annual-Data-Book-2023.pdf\" target=\"_blank\" rel=\"noopener\">identity theft<\/a> driving many criminal cases. Credit card fraud occurs when someone uses another person\u2019s credit card or credit card information to make purchases, without permission.<\/p>\r\n<p>Credit card fraud is a crime that affects the credit card owner, the issuing bank, merchants, and the government. There are different types of credit card fraud, including the fraudulent possession of a credit card or the fraudulent use of a credit card. Alabama law prohibits both types of credit card fraud in Section 13A-9-14 of the Alabama Code.<\/p>\r\n<h2>Alabama\u2019s Credit Card Fraud Laws<\/h2>\r\n<p>Although the Alabama Code and this article address credit card fraud, the laws include the illegal possession and use of debit cards. Section 13A-9-14 of the Alabama Code includes definitions of credit cards and debit cards.<\/p>\r\n<h3>Credit Cards<\/h3>\r\n<p>In Alabama, the following are included in the definition of a credit card:<\/p>\r\n<ul>\r\n<li>Cards used to obtain telecommunications services<\/li>\r\n<li>Traditional credit cards (i.e., Visa, Mastercard, American Express)<\/li>\r\n<li>Credit plate<\/li>\r\n<li>Bank service card<\/li>\r\n<li>Check guarantee card<\/li>\r\n<li>Welfare card<\/li>\r\n<li>Electronic Benefits Transfer (EBT) card<\/li>\r\n<li>Similar cards or account numbers, issued for use (by the cardholder) in obtaining goods, services, or anything else of value<\/li>\r\n<\/ul>\r\n<h3>Debit Cards<\/h3>\r\n<p>In Alabama, debit cards include any instrument (or writing) issued by a financial institution for a depositor\u2019s use against funds already deposited into their checking or savings account.<\/p>\r\n<h2>Fraudulent Use of Credit Card<\/h2>\r\n<p>The crime of fraudulent use of a credit card occurs when a person uses or attempts to use a credit or debit card to get goods, services (or anything of value) knowing one of the following is true:<\/p>\r\n<ul>\r\n<li>The card is stolen<\/li>\r\n<li>The card was revoked or cancelled<\/li>\r\n<li>Their use of the card is unauthorized by the issuer or the cardholder<\/li>\r\n<\/ul>\r\n<p>For example, if the alleged perpetrator uses someone\u2019s EBT card without permission. The government did not authorize that person to use that EBT card.<\/p>\r\n<h2>Illegal Possession of a Credit Card<\/h2>\r\n<p>The crime of illegally possessing a credit card occurs when a person uses or exercises control over another person\u2019s credit card, knowing they do not have the cardholder\u2019s consent. For example, if someone steals a credit card and then uses the physical card to make purchases, they are likely engaging in illegally possessing a credit card. The term credit card includes the full range of credit and debit cards described above.<\/p>\r\n<h2>Punishing Credit Card Fraud in Alabama<\/h2>\r\n<p>Both types of credit card fraud are Class D felonies, with potential punishment ranging from 366 days to five years in prison. Unlike other types of crimes, Alabama does not classify credit card fraud into degrees (i.e., first-degree, second-degree, etc.).<\/p>\r\n<h2>Overview of Alabama&#8217;s Credit Card Fraud Laws<\/h2>\r\n<table>\r\n<tbody><tr><td><p><b>Statute<\/b><\/p>\r\n<\/td>\r\n<td><p><a href=\"https:\/\/alison.legislature.state.al.us\/code-of-alabama\" target=\"_blank\" rel=\"noopener\">Alabama Code<\/a> Sections \u00a713A-9-14<\/p>\r\n<\/td>\r\n<\/tr><tr><td><p>Illegal possession of a credit card<\/p>\r\n<\/td>\r\n<td><p>(a) A person commits the crime of illegal possession of a credit or debit card if, knowing that he or she does not have the consent of the owner, he or she takes, exercises control over, or otherwise uses the card.<\/p>\r\n<\/td>\r\n<\/tr><tr><td><p>Fraudulent use of a credit card<\/p>\r\n<\/td>\r\n<td><p>(b) A person commits the crime of fraudulent use of a credit card or debit card if he or she uses, attempts to use, or allows to be used, a credit card or debit card for the purpose of obtaining property, services, or anything else of value with knowledge that:<\/p>\r\n<p>(1) The card is stolen; \u2009or<\/p>\r\n<p>(2) The card has been revoked or canceled; or<\/p>\r\n<p>(3) For any other reason the use of the card is unauthorized by either the issuer or the person to whom the credit card or debit card is issued. The mere use by the original issuer of a credit card or debit card that has expired is not within the provisions of subdivision (b)(3) of this section.<\/p>\r\n<\/td>\r\n<\/tr><tr><td><p>Definition of credit card<\/p>\r\n<\/td>\r\n<td><p>(c) \u201cCredit card\u201d means any instrument or device, including a card to obtain telecommunication services, whether known as a credit card, credit plate, bank service card, banking card, check guarantee card, welfare card, a card used to facilitate the transfer of government benefits such as an electronic benefit transfer card (EBT card) or similar card, or a debit card, or by any other name, including an account number, issued with or without fee by an issuer for the use of the cardholder in obtaining money, goods, services, or anything else of value, including telecommunication services, on credit or for use in an automated banking device to obtain any of the services offered through the device.<\/p>\r\n<\/td>\r\n<\/tr><tr><td><p>Definition of debit card<\/p>\r\n<\/td>\r\n<td><p>(c) \u201cCredit card\u201d means any instrument or device, including a card to obtain telecommunication services, whether known as a credit card, credit plate, bank service card, banking card, check guarantee card, welfare card, a card used to facilitate the transfer of government benefits such as an electronic benefit transfer card (EBT card) or similar card, or a debit card, or by any other name, including an account number, issued with or without fee by an issuer for the use of the cardholder in obtaining money, goods, services, or anything else of value, including telecommunication services, on credit or for use in an automated banking device to obtain any of the services offered through the device.<\/p>\r\n<\/td>\r\n<\/tr><tr><td><p>Felony classification<\/p>\r\n<\/td>\r\n<td><p>(e) Illegal possession of or fraudulent use of a credit card or debit card is a Class D felony.<\/p>\r\n<\/td>\r\n<\/tr><\/tbody><\/table>\r\n<h2>&nbsp;Get Legal Help<\/h2>\r\n<p>Although some consider credit card fraud a white-collar crime, law enforcement takes it seriously. It is a felony, not a misdemeanor and punishment includes jail time. If you are facing credit card fraud charges, you should speak to a <a href=\"https:\/\/lawyers.findlaw.com\/criminal-law\/alabama\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">local criminal defense lawyer<\/a>. They can provide sound legal advice and help to protect your rights.<\/p>\r\n<\/div><div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        <path 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