Fraude con tarjetas de transacción financiera

Explicación Simple

El fraude con tarjetas de transacción significa usar una tarjeta de alguien sin su permiso para robar dinero o cosas. Es como si tomaras el dinero de la billetera de un amigo sin que él lo sepa. Esto es ilegal.

Es como cuando alguien entra a tu casa sin permiso y se lleva tus cosas. Así como no está bien tomar lo que no es tuyo en la vida real, tampoco lo es con las tarjetas de dinero.

Ejemplo Práctico

Imagina que Juan encuentra la tarjeta de crédito de su vecino, Carlos, y decide comprar un teléfono nuevo con ella sin que Carlos lo sepa. Esto es fraude porque Juan está usando la tarjeta sin permiso y está robando a Carlos.

Penalidades

El fraude con tarjetas de transacción financiera puede resultar en multas y cargos criminales, con posibilidad de cárcel.

Texto Original del Estatuto (Inglés)

SECTION 16-14-60. Financial transaction card fraud. (a) A person is guilty of financial transaction card fraud when, with intent to defraud the issuer, a person or organization providing money, goods, services, or anything else of value, or any other person, he: (1) uses for the purpose of obtaining money, goods, services, or anything else of value a financial transaction card obtained or retained, or which was received with knowledge that it was obtained or retained, in violation of Section 16-14-20 or 16-14-40 or a financial transaction card which he knows is forged, altered, expired, revoked, or was obtained as a result of a fraudulent application in violation of Section 16-14-40(c); (2) obtains money, goods, services, or anything else of value by: a. representing without the consent of the specified cardholder that he has permission to use it; b. presenting the financial transaction card without the authorization or permission of the cardholder; c. representing that he is the holder of a card and the card has not in fact been issued; d. using a financial transaction card to knowingly and wilfully exceed: (i) the actual balance of a demand deposit account or time deposit account; (ii) an authorized credit line in an amount which exceeds the authorized credit line by five hundred dollars or fifty percent of the authorized credit line, whichever is greater, if the cardholder has not paid to the issuer of the financial transaction card the total amount of the excess over the authorized credit line within ten days after notice to the cardholder by certified mail to the last known address that the credit line has been exceeded. Failure to pay the amount in excess of the authorized credit line after the notice is prima facie evidence of an intent to defraud; (3) obtains co