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Credit card fraud in a broad sense is using a credit card or credit card information when an accused is not authorized to do so. It can be a type of identity theft where a perpetrator obtains personal information from an unsuspecting party to use their credit card. Credit card fraud can also cause the victim of the fraud not only a financial loss but a risk of destroying their credit score.
Credit card fraud has been on the rise in recent years due to advances in technology and the number of transactions which are completed online. Because of the grave consequences to victims of credit card fraud and the increase in this type of offence, the Crown takes these charges very seriously. If you have been charged with credit card fraud, an experienced criminal lawyer may be able to successfully argue for a lower offence or sentence or fight the charges outright.
To understand credit and debit card fraud, you need to be aware of all the different words used to talk about credit cards, financial institutions, and fraud.
Debit and credit card fraud occurs when someone uses your card without your permission. Even if a criminal doesn’t have your physical card in hand, they can still make unauthorized transactions with your credit card number, PIN and security code. Someone could even use your card information to try to gain access to your other accounts. Either way, fraudulent activity could potentially hurt your credit in several ways, such as by causing your credit card balances to spike.
For a conviction of Credit Card Fraud, you could be looking at heavy fines, and upwards of 10 years in prison. This will also gain you a criminal record, limiting your ability to travel, find gainful employment, your freedom, and cause damage to your professional reputation.
The Criminal Code of Canada says that the umbrella of credit card fraud includes:
Credit card thefts and frauds are codified in the Criminal Code under Section 342 and include both stealing and using the credit card itself (S. 342 (1)) and unauthorized use of credit card data (S. 342 (3)).
If you are convicted of credit card fraud, the convictions will appear on your criminal history, which is routinely checked by a number of people. Typically employers will conduct criminal background searches on potential employees to screen out some of the applicants.
Since Credit Card Fraud involves moral turpitude and dishonesty, employers tend to not hire people with this type of background.If you have been accused of credit card fraud, it is important to contact an attorney at Oakville Criminal Lawyer immediately.
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