El fraude con tarjetas de crédito es cuando alguien usa una tarjeta sin permiso para conseguir dinero o cosas. Esto puede incluir usar una tarjeta que ya no es válida o que no le pertenece a esa persona.
Es como si alguien tomara prestada sin permiso la bicicleta de un amigo y la usara para ir a comprar helados. Aunque parezca inofensivo, está haciendo algo malo.
Imagina que Juan encuentra la tarjeta de crédito de su vecino, Pedro. Sin pensarlo, decide comprar un teléfono nuevo con ella, a pesar de que sabe que Pedro no le dio permiso. Esto es fraude con tarjeta de crédito.
Va. Code § 18.2-195 - Credit card fraud; conspiracy; penalties. (1) A person is guilty of credit card fraud when, with intent to defraud any person, he: (a) Uses for the purpose of obtaining money, goods, services or anything else of value a credit card or credit card number obtained or retained in violation of § 18.2-192 or a credit card or credit card number which he knows is expired or revoked; (b) Obtains money, goods, services or anything else of value by representing (i) without the consent of the cardholder that he is the holder of a specified card or credit card number or (ii) that he is the holder of a card or credit card number and such card or credit card number has not in fact been issued; (c) Obtains control over a credit card or credit card number as security for debt; or (d) Obtains money from an issuer by use of an unmanned device of the issuer or through a person other than the issuer when he knows that such advance will exceed his available credit with the issuer and any available balances held by the issuer. (2) A person who is authorized by an issuer to furnish money, goods, services or anything else of value upon presentation of a credit card or credit card number by the cardholder, or any agent or employee of such person, is guilty of a credit card fraud when, with intent to defraud the issuer or the cardholder, he: (a) Furnishes money, goods, services or anything else of value upon presentation of a credit card or credit card number obtained or retained in violation of § 18.2-192 , or a credit card or credit card number which he knows is expired or revoked; (b) Fails to furnish money, goods, services or anything else of value which he represents or causes to be represented in writing or by any other means to the issuer that he has furnished; or (c
Sí, en muchos casos, la falta de conocimiento no es una defensa. Es importante asegurarse de que cualquier tarjeta que uses sea legítima y te pertenezca.
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