Arkansas Credit and Debit Card Fraud

Arkansas Code §5-37-207: Fraudulent Use Of A Credit Card Or Debit Card

What's Prohibited?

A person commits the offense of credit or debit card fraud in Arkansas if with purpose to defraud, he or she uses a credit or debit card or credit or debit card account number to obtain property or a service with knowledge that:

• The credit or debit card or credit or debit card account number is stolen;

• The credit or debit card or credit or debit card account number has been revoked or cancelled;

• The credit or debit card or credit or debit card account number is forged; or

• For any other reason his or her use of the credit or debit card or credit or debit card account number is unauthorized by either the issuer or the person to whom the credit card or debit card is issued.

Penalty

Violation of Arkansas' credit and debit card fraud laws constitutes a:

• Class B felony if the value of all moneys, goods, or services obtained during any six-month period is $25,000 or more. A Class B felony carries a prison sentence of at least five years but no more than 20 years, a fine of up to $15,000, or both; or

• Class C felony if the value of all moneys, goods, or services obtained during any six-month period is less than $25,000 but more than $5,000. A Class C felony is punished by a minimum three years but not more than 10 years, a fine of up to $10,000, or both.

• Class D felony if the value of all moneys, goods, or services obtained during any six-month period is $5,000 or less but more than $1,000. A Class D felony is punishable by up to six years in prison, a fine of up to $10,000, or both; or

• Class A misdemeanor if the value of all moneys, goods, or services obtained during any six-month period is $1,000 or less. A Class A misdemeanor is punishable by up to one year in jail and a fine of up to $2,500.