Credit Card Fraud Attorney in Phoenix

What Is Considered Credit Card Fraud in Arizona?

Under Arizona law, credit card fraud refers to any act that involves the unauthorized use, possession, or sale of a credit card or credit card information with the intent to defraud. These crimes often fall under multiple statutes depending on the specific conduct involved.

Common offenses include:

• Theft of a credit card
• Obtaining a credit card through fraudulent means
• Possession of a stolen or forged credit card
• Using a credit card without the owner’s permission
• Selling or trafficking in stolen credit cards
• Making purchases with a fraudulently obtained card
• Receiving goods or services purchased with a stolen card
  

These crimes may be charged under:

• A.R.S. § 13-2102 – Theft, obtaining, or selling credit cards with intent to defraud (Class 5 felony)
  
• A.R.S. § 13-2103 – Receiving anything of value obtained through fraudulent credit card use ($250-$1000 range for Class 6 and $1000+ for Class 5)
  

Because these laws are broad, prosecutors often charge multiple counts or stack related offenses, such as identity theft, forgery, or computer tampering.

Credit Card Fraud Charges under Arizona Law

Under A.R.S. §§ 13-2102 to 13-2106, credit card fraud in Arizona happens when someone intentionally uses, holds, or acquires a credit or debit card, or the card’s information, without the owner’s permission and with the goal of committing fraud. This can involve unauthorized card use, creating or altering cards, submitting false credit applications, or possessing stolen or counterfeit cards. The seriousness of the charge depends on the value involved and the type of activity: smaller offenses may be treated as a Class 1 misdemeanor, while more severe cases, such as producing fake cards or major fraud schemes, can rise to a Class 4 felony. Penalties can include hefty fines, restitution to victims, probation, and prison sentences that may extend for several years. Because these cases often hinge on proving intent to defraud and knowledge of the fraud, it’s crucial for anyone accused to seek skilled legal counsel to protect their rights and build a strong defense.

Penalties for Credit Card Fraud in Phoenix

Credit card fraud in Phoenix can result in serious criminal penalties, especially when the fraudulent activity involves high-dollar amounts, multiple victims, or organized schemes. Penalties may include:

• Class 5 felony – Up to 2.5 years in prison for first-time offenders
• Class 6 felony – Up to 2 years in prison
• Restitution to victims
• Fines and surcharges
• Probation or supervised release
• Loss of employment or professional licenses
  

If you’re facing these charges, it’s critical to consult a Phoenix credit card fraud attorney as soon as possible to begin building your defense.

Defense Strategies for Credit Card Fraud Charges

At Feldman & Royle, our Phoenix credit card fraud defense lawyers use a combination of legal strategy, forensic analysis, and negotiation to pursue the best possible outcome for our clients. We investigate every aspect of the case, including:

• Challenging unlawful searches or seizures
• Examining digital evidence for errors or false associations
• Questioning the accuracy of eyewitness identification
• Disputing intent to defraud
• Negotiating for charge reductions or dismissals

Our goal is to protect your record, your freedom, and your reputation.

Phoenix Credit Card Theft Attorney

If you’re under investigation or have been charged with credit card fraud in Arizona, time is not on your side. The prosecution will begin building its case immediately, often backed by surveillance, digital forensics, and banking records. You need a lawyer for credit card fraud defense in Phoenix who can match that intensity and uncover the weaknesses in their case.

At Feldman & Royle, we bring years of experience in white collar defense, and we understand how to navigate these complex and high-stakes cases. Whether you’re accused of card theft or fraudulent purchases, we are the Phoenix credit card fraud attorneys you can trust.