Oklahoma Credit and Debit Card Fraud

Created by FindLaw's team of legal writers and editors.

Fraud is an umbrella term that covers all offenses that involve dishonest or fraudulent acts. Credit card (or debit card) fraud is a type of identity theft where an offender fraudulently uses or obtains a card in order to illegally obtain goods, services, or money.

Under Oklahoma's fraud laws, a credit or debit card is defined as an identification card or device issued to a person (the cardholder) by a business (the issuer) that allows the cardholder to purchase goods, property or service on credit, or to obtain access to a consumer banking facility.

The following chart highlights Oklahoma's main credit and debit card fraud laws.

Code Section

Oklahoma Code section 21-1550.2: Unauthorized Use of Credit and Debit Cards

What's Prohibited?

Knowingly using (or attempting to use) a credit or debit card that:

  • Wasn't issued to you
  • Has been revoked or cancelled, or
  • Is false, counterfeit, or nonexistent

In person, on the phone, or over the internet in order to:

  • Obtain credit
  • Purchase goods, property, or services,
  • Obtain cash advances, or
  • Obtain or transfer funds

Penalties

Misdemeanor.
  • If the amount fraudulently obtained is less than $500: Punishable by a fine of up to $500 and/or by imprisonment for up to 30 days.
  • If the amount fraudulently obtained is more than $500: Punishable by a fine of between $500 and $1,000 and/or imprisonment for up to one year.

Code Section

Oklahoma Code section 21-1550.22: Card Theft

What's Prohibited?

Taking a credit or debit card from someone else without the cardholder's consent (either by larceny, larceny by trick, larceny by the bailee, embezzlement, false pretenses, false promise, extortion, etc.), or

Receiving a credit or debit card that you know has been stolen, with the intent to use it, sell it, or transfer it to someone else

Penalties

Felony. Punishable by a fine of up to $3,000 and/or imprisonment for up to three years.

Selling or Buying Credit or Debit Cards

In Oklahoma it is a crime for anyone, besides the issuer, to buy or sell a credit or debit card. Buying or selling cards is a felony offense that is punishable by a fine of up to $3,000 and/or imprisonment for up to three years.

Forging Credit or Debit Cards

It is also a criminal offense in Oklahoma to falsely make, or falsely emboss, a purported credit or debit card with the intent to defraud an issuer or any other person or business. Forgery is a felony in Oklahoma and is punishable by a fine of up to $3,000 and/or imprisonment for up to three years.

Additional Resources

State laws change frequently. For case specific information regarding Oklahoma's credit and debit card fraud contact a local criminal defense attorney or a consumer protection lawyer.

Next Steps: Search for a Local Attorney

Contact a qualified attorney.