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Credit Card Fraud in North Carolina

Credit card fraud is a serious offense that involves the unauthorized use of another person's credit card information for personal gain. In North Carolina, as in other states, credit card fraud is considered a criminal offense that carries severe penalties.


Credit Card Fraud


Credit card fraud refers to the illegal acquisition, possession, or use of someone else's credit card information without their consent, intending to obtain goods, services, or financial gain. This offense encompasses various fraudulent activities, such as:


  • Card Theft: The act of physically stealing someone's credit card or obtaining it through unauthorized means.

  • Account Takeover: Illegally gaining access to another person's credit card account information, usually through hacking or phishing methods.

  • Skimming: Stealing credit card information by copying the card's magnetic strip or using a skimming device at a point-of-sale terminal.

  • Phishing and Identity Theft: Fraudulently obtaining credit card details by deceiving individuals through emails, phone calls, or fake websites.

Common Methods of Credit Card


Fraud Credit card fraud can occur through various means, including:


  • Counterfeit Cards: Creating and using fake credit cards with stolen account information.

  • Online Transactions: Making unauthorized purchases using stolen credit card details on e-commerce platforms or online payment portals.

  • Card-Not-Present Fraud: Conducting fraudulent transactions without the physical presence of the credit card, such as online or phone purchases.

  • Account Takeover: Illegally accessing someone's credit card account information to make unauthorized transactions or changes.


Penalties for Credit Card Fraud


North Carolina treats credit card fraud as a serious criminal offense. The penalties for credit card fraud can vary depending on the value of the fraudulent transactions and the offender's criminal history. Common penalties may include:


  • Misdemeanor Fraud: When the total value of the fraudulent transactions is less than $500 within a six-month period, it is classified as a Class 1 misdemeanor. The penalties can include fines and up to 120 days of imprisonment.

  • Felony Fraud: If the total value of the fraudulent transactions exceeds $500 within a six-month period, it is considered a felony offense. The severity of the felony charges depends on the total value of the transactions, ranging from Class I to Class H felonies. Felony penalties can include substantial fines and imprisonment for several months to years.

The Role of Coastal South Law in Assisting Those Accused of Credit Card Fraud


When facing credit card fraud charges in North Carolina, it is crucial to seek the assistance of experienced legal professionals. The Coastal South Law firm is dedicated to defending individuals accused. Our experienced attorneys possess in-depth knowledge of North Carolina's criminal justice system and understand the complexities associated with credit card fraud cases.


The attorneys at Coastal South Law can provide valuable legal counsel and assistance throughout the legal process. We will thoroughly evaluate the circumstances surrounding the case, gather evidence, and develop a strong defense strategy. Whether negotiating plea agreements or representing clients in court, Coastal South Law's attorneys strive to achieve the best possible outcome for their clients. Contact us now for a confidential and non-judgmental consultation.


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