Credit Card Fraud in Texas

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Credit card fraud entails a variety of fraudulent acts using credit card and debit card information to obtain money, property, goods, or services without the cardholders consent. If you have been accused of this offense, it is important to obtain legal services from a qualified fraud lawyer.

At the Law Offices of Ruben Ortiz, we are dedicated to protecting your rights, reputation, and freedom. Since 1998, our El Paso criminal defense attorney has been helping his clients obtain favorable outcomes and he is confident he can do the same for you.

Texas Penalties for Credit Card Fraud

There are a number of ways in which credit card fraud can be committed. In Texas, this offense is typically charged as a state jail felony, which is punishable by a prison sentence between 180 days and two years, along with a fine of up to $10,000. The prosecution must be able to prove beyond a reasonable doubt that you had an intent to receive some kind of benefit by credit card fraud.

The following are most common forms of credit card fraud crimes:

  • Use a credit card or debit card without the cardholder’s consent
  • Use a card that has expired, been cancelled, or been revoked
  • Steal a credit card or debit card with the intent to use, sell, or transfer it to anyone but the cardholder
  • Sell a credit card or debit card
  • Receive any monetary value, property, or services despite violating the law
  • Purchase a credit card or debit card from another person the offender knows is not the card issuer
  • Possess a credit card or debit card that is not theirs, with the intent to use it

However, if the crime was committed against an elderly person, the charge may be increased to a third degree felony. A third degree felony is punishable by a prison sentence between two and 10 years and a fine of up to $10,000.

Begin Your Defense with the Law Offices of Ruben Ortiz Today

Since credit card fraud is generally a state jail felony, it is possible you can receive community service and probation instead of serving time in jail or prison. Our El Paso criminal defense attorney will conduct his own investigation and collect evidence necessary to build a strong and personalized defense strategy for you. Let us help you get your charges reduced or have your case entirely dismissed immediately.

Contact us and request a case evaluation today.


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  • "Mr. Ortiz got my case dismissed, he was relentless and passionate about my case. I would recommend Mr. Ortiz to anyone, best lawyer in El Paso."
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