Facturación de tarjetas de crédito en Virginia

Explicación Simple

Si alguien usa una tarjeta de crédito sin permiso para comprar algo, eso es un delito. Si lo hace para engañar a alguien, es un problema más grave.

Es como si alguien tomara prestado tu coche sin pedirte permiso y lo usara para hacer algo malo. No solo estás enojado, sino que esa persona puede meterse en problemas.

Ejemplo Práctico

Imagina que Juan trabaja en una tienda y su amigo Pedro le pide que use la tarjeta de crédito de su padre para comprar un videojuego. Si Juan lo hace sin el permiso del padre de Pedro y con la intención de engañar a alguien, podría enfrentar cargos graves.

Penalidades

Si se actúa con intención de engañar, se considera un delito grave; de lo contrario, es una falta menor.

Texto Original del Estatuto (Inglés)

Va. Code § 18.2-195.1 - Credit card factoring. A. Any authorized person who presents to the issuer or acquirer for payment a credit card or credit card number transaction record of a sale which was not made by such person or his agent or employee, without the express authorization of the acquirer and with intent to defraud the issuer, acquirer or cardholder, is guilty of a Class 5 felony. If such act is done without authorization of the acquirer but without intent to defraud, he shall be guilty of a Class 1 misdemeanor. B. Any person who, without the express authorization of the acquirer and with intent to defraud the issuer, acquirer or cardholder, employs or otherwise causes an authorized person to remit to an acquirer or issuer a credit card transaction record of sale that was not made by the authorized person is guilty of a Class 5 felony. If such act is done without the authorization of the acquirer but without intent to defraud, he shall be guilty of a Class 1 misdemeanor. C. As used in this section, "authorized person" means a person authorized by the acquirer to furnish money, goods, services or anything else of value upon presentation of a credit card or credit card number by a cardholder and includes an agent or employee of a person having such authority. 1991, c. 546.