Weekend Appointments Available
Returning Calls 7 Days A Week
Get The Help You Need
Call Us Today!
Weekend Appointments Available
Returning Calls 7 Days A Week
Location: 17 S. Barstow St. Eau Claire, WI 54702
Get The Help You Need
Call Us Today!
Credit card fraud represents the most common form of identity theft in the United States, with the number of reported cases more than doubling over the past few years. State courts take the fraudulent use of a credit card very seriously, issuing stiff penalties for those found guilty of breaking these laws.
If you find yourself accused of credit card fraud, you need to understand the facts about this type of white-collar crime so you can enlist the proper legal assistance to defend yourself against that charge. Consider the following four key points regarding credit card fraud charges, penalties, and defenses.
1. Elements of Credit Card Fraud
Anyone who receives or uses a credit card under misleading circumstances or without proper authorization may stand guilty of credit card fraud. However, this category of crime covers broad ground and includes a variety of actions that a court may consider fraudulent.
Wisconsin Statutes Section 943.41 (Financial Transaction Card Crimes) lays out the many possible ways someone can commit credit card fraud. These include making false statements to qualify for the card in the first place, taking someone else's card, forging counterfeit cards, and fraudulent card use.
The fraudulent use category alone includes a wide range of illegal actions. Examples include knowingly using an expired or counterfeit card, knowingly profiting from another's fraudulent actions, using your card (or letting someone else use it) with fraudulent intentions, and intercepting credit card data with intent to defraud.
2. Potential Penalties for Credit Card Fraud
Wisconsin's penalties for credit card fraud depend on the nature of the fraudulent actions and the total value of the items obtained through those actions. A total value of less than $2,500 counts as a Schedule A Misdemeanor punishable by a fine of up to $10,000 and up to nine months in prison.
You don't actually have to obtain money or valuable goods with a credit card under fraudulent circumstances to draw a Class A Misdemeanor sentence. The court may also find you guilty of this offense if you possess a counterfeit card, make false statements to obtain a card, or steal someone's card.
As the dollar amount of any fraudulently obtained goods goes up, so does the severity of the penalty. If that amount falls between $2,500 and $5,000, the court may find you guilty of a Class I Felony. You may then have to pay a fine of up to $10,000 and spend up to 3.5 years in prison.

Credit card fraud involving $5,000 to $10,000 in fraudulent purchases within a six-month period counts as a Class H felony punishable by a $10,000 fine and up to six years imprisonment. Anything above that level counts as a Class G Felony. This level of felony involves up to $25,000 in fines and up to ten years in prison.
Bear in mind that the fines noted above don't include whatever financial restitution the court might order you to pay to anyone who suffered losses as a direct result of the fraud. You may end up paying these additional amounts to the lending institution that issued the card or any individuals affected by your actions.
3. Evidence That May Go Against You in a Credit Card Fraud Case
One difficulty for defendants in credit card fraud cases lies in the fact that the prosecution can present many kinds of evidence that might seem less than rock-solid. For instance, simply receiving a credit card meant for someone else and not returning it within seven days may stand as evidence unless you can actively disprove fraud.
Other kinds of evidence may also force you to disprove the face value of their validity. Examples include possessing two or more altered or counterfeit cards, possessing a card issued to two or more individuals, and the presence of your signature on a card issued to someone else.
4. Possible Legal Defenses Against Credit Card Fraud Charges
Your attorney can help you put forth the strongest possible case in your defense. One potential defense involves the theft of your identity by someone who then committed credit card fraud in your name, essentially framing you for the crime. Coercion to use a card fraudulently, under duress, can also prove a valid defense.
Entrapment represents another potential defense against credit card fraud charges. In this scenario, you would show that someone set you up to perform the illegal act without your knowledge or understanding. If you honestly believed that you had proper authority to use the card, your attorney may make this point in your defense.
As many ways as the prosecution may have to present evidence against you in a credit card fraud case, it must also show one critical point: that you stood to benefit from the fraudulent actions committed. If you can show that you had nothing to gain and no intention of benefiting from your actions, the court might dismiss the case.
Cohen Law Offices knows how to defend individuals charged with a wide range of offenses, including credit card fraud. If you could use some help in this department,
contact us today to schedule a consultation.
At Cohen Law Office, we offer free initial consultations to discuss your case further and find the right solution for you. Our team provides the best representation to each client we work with and present the strongest possible defense. Give us a call today to start your resolution in your criminal defense case.
Weekend Appointments Available
Returning Calls 7 Days A Week