Using credit cards and debit cards is most people’s preferred method of making payments. They may enter their information online or over the phone, give their cards to servers at restaurants when it is time to pay, or swipe them at the checkout of their favorite retail locations. In fact, using plastic to pay is more common than paying with cash.

Of course, because credit and debit cards are such a popular way to pay, the chance exists for credit card fraud to occur. Unfortunately for you, rather than being a victim, authorities believe that you have committed this type of crime yourself.

Fraudulent actions

Facing accusations of fraud is a serious ordeal, and you may wonder how you even became a suspect in the first place. Your mind may be reeling with any number of similar questions as well, and finding the right answers may seem impossible. However, you can go over your actions, the circumstances of your arrest and the evidence against you in efforts to find the best way to handle your case.

Authorities may suspect that you committed one of various actions that could constitute credit card fraud. Some examples of those actions include the following:

  • Taking over someone else’s existing account
  • Using a lost or stolen card
  • Making purchases without having the card on hand
  • Opening new accounts with stolen information
  • Using a fake or counterfeit card
  • Using an expired or revoked card, even if it is yours
  • Using a card that does not have enough funds to cover the purchased items

You may feel uneasy about facing any type of criminal accusation, especially those relating to fraud. This type of crime could come with state or federal charges, and it is important that you know what you will face.

Creating a defense

Fortunately, you do not have to feel as if a credit card fraud charge is the end of the line for you. You still have the legal right to defend against the allegations in court. The exact approach you take could depend on the specific details of your case, but you can go over those details with a Texas attorney who can help you find the best option for handling the criminal allegations that authorities have brought against you. It can certainly feel nerve-wracking, but you can work toward favorable outcomes.