Credit and Credit Reports

questions & answers

Question: I recently had a consumer at the store I work at give me her husbands credit card. I refused to use it since it was not her credit card. Is it legal for the wife to use the husbands credit card?

Answer:

In the Arizona Revised Statutes, Title 13 is the criminal code, Chapter 21 discusses credit card fraud. According to the Arizona Revised Statutes (A.R.S.) § 13-2105,  A person commits fraudulent use of a credit card if the person:

With intent to defraud, uses, for the purposes of obtaining or attempting to obtain money, goods, services or any other thing of value, a credit card or credit card number obtained or retained in violation of this chapter or a credit card or credit card number which the person knows is forged, expired, cancelled or revoked; or 

obtains or attempts to obtain money, goods, services or any other thing of value by representing, without the consent of the cardholder, that the person is the holder to a specified card or by representing that the person is the holder of a credit card and the card has not in fact been issued.