Credit Card Fraud New York Lawyer | SRIS, P.C.
Credit Card Fraud New York Defense — What Are Your Options?
Credit card fraud New York charges under NY Penal Law § 190.60-190.86 can range from a misdemeanor to a class C felony, carrying severe penalties. If you are accused of credit card fraud in New York County (Manhattan), securing experienced legal counsel immediately is critical. Law Offices Of SRIS, P.C.
Last verified: April 2026 | New York County Supreme Court | New York State Legislature
New York Credit Card Fraud Laws
Credit card fraud in New York is prosecuted under several statutes, primarily within Article 190 of the Penal Law. The specific charge depends on the method and value of the alleged fraud. Unlawful use of a credit card (Penal Law § 190.60) is a Class A misdemeanor, while criminal possession of a forged instrument in the second degree (Penal Law § 170.25) for a forged card can be a Class D felony. The severity escalates with the value of the fraud or loss, with grand larceny charges (Penal Law Article 155) applying for thefts over $1,000. The firm, founded in 1997 by former prosecutor Mr. Sris, focuses on building defenses that challenge the prosecution’s evidence of intent and knowledge, which are essential elements of these crimes.
Official Legal Resources
For the official text of New York’s credit card fraud statutes, refer to the New York State Legislature website. For local court procedures and forms, visit the New York County Supreme Court website.
Defending Credit Card Fraud Charges in Manhattan
In New York County (Manhattan), prosecutors in the District Attorney’s Office handle a high volume of financial crime cases. A key local procedural fact is that many credit card fraud cases begin with investigations by the NYPD’s Financial Crimes Task Force, and early intervention by a defense attorney can be crucial. The 2020 bail reforms mean many non-violent financial crime defendants may be released without bail, but the long-term consequences of a conviction are severe. An experienced credit card fraud New York attorney from our firm can analyze the evidence for weaknesses, such as lack of proof you knowingly possessed a forged card or intended to defraud.
- Secure Representation Immediately: Do not speak to investigators without an attorney present. Contact our firm for a 24/7 consultation.
- Case Analysis: We will review all charging documents, police reports, and any evidence disclosed to identify procedural errors or weaknesses in the prosecution’s case.
- Investigation: Our team may conduct an independent investigation, which can include reviewing financial records, obtaining surveillance video, or interviewing witnesses.
- Negotiation or Litigation: We will pursue all avenues, from seeking a favorable plea resolution such as an Adjournment in Contemplation of Dismissal (ACD) for eligible first offenses to aggressively litigating motions to suppress evidence or dismiss charges.
- Trial Defense: If your case proceeds to trial, we will prepare a full defense strategy to argue reasonable doubt before a judge or jury in New York County Supreme Court.
In New York County (Manhattan), credit card fraud charges can carry penalties from up to 1 year in jail for a misdemeanor to 15 years in prison for a class C felony, plus fines and restitution.
| Offense (NY Penal Law) | Classification | Incarceration | Fine | License Impact | Additional Consequences |
|---|---|---|---|---|---|
| Unlawful Use of Credit Card (§ 190.60) | Class A Misdemeanor | Up to 1 year | Up to $1,000 | None directly | Restitution, criminal record |
| Criminal Possession of Forged Instrument 2nd (§ 170.25) | Class D Felony | 2-7 years | Up to $5,000 | None directly | Restitution, felony record, immigration consequences |
| Grand Larceny 3rd (over $3,000) (§ 155.35) | Class D Felony | 2-7 years | Up to $5,000 | None directly | Restitution, felony record, severe immigration consequences |
| Grand Larceny 2nd (over $50,000) (§ 155.40) | Class C Felony | 3.5-15 years | Up to $15,000 | None directly | Restitution, felony record, permanent immigration consequences |
Results may vary. Prior results do not aim for a similar outcome.
Why Choose Our Firm for Your Credit Card Fraud Defense
Law Offices Of SRIS, P.C. was founded in 1997. Our attorneys bring a combined 120+ years of legal experience to every case. We have a documented record of over 4,739 case results with a favorable outcome rate exceeding 93% firm-wide. Our approach is direct and focused on the specific details of your situation. For credit card fraud cases, this means meticulously examining financial documents, digital evidence, and witness statements to protect your rights and future.
Our Experience with Credit Card Fraud Cases
SRIS actively practices in New York courts. Firm-wide, we have handled 4,739+ documented case results with over 93% favorable outcomes. While specific local results vary, our attorneys are familiar with the procedures and personnel in New York County Supreme Court. We focus on building defenses that address the core of the charge—often intent and knowledge—to seek reductions or dismissals.
Results may vary. Prior results do not aim for a similar outcome.
Credit Card Fraud Lawyer Near New York County (Manhattan)
Our New York location serves clients at the New York County (Manhattan) courts. We represent individuals from neighborhoods across Manhattan, including Midtown, Lower Manhattan, Upper East Side, Upper West Side, Harlem, Greenwich Village, SoHo, Tribeca, Chelsea, Hell’s Kitchen, East Village, Financial District, Chinatown, Washington Heights, and Inwood. We offer 24/7 phone consultations and meetings by appointment only.
Law Offices Of SRIS, P.C.
50 Fountain Plaza, Suite 1400, Office No. 142
Buffalo, NY 14202
Toll-Free: (888) 437-7747 | Local: (838)-292-0003
By appointment only.
Credit Card Fraud New York FAQs
What is credit card fraud under New York law?
Yes. Credit card fraud in New York involves illegally using, forging, or possessing a credit or debit card to obtain goods, services, or money. It is covered under various statutes like Penal Law § 190.60 (unlawful use) and grand larceny laws, with penalties based on the value and method of the fraud.
Is credit card fraud a felony in New York?
It depends. Using a lost card (Penal Law § 190.60) is a misdemeanor. Possessing a forged card or committing fraud over $1,000 can be a felony. The specific charge and classification depend entirely on the circumstances and alleged loss amount in your case.
Should I talk to the police if I’m accused of credit card fraud?
No. You have the right to remain silent and the right to an attorney. Politely decline to answer questions and immediately contact a credit card fraud New York law firm like ours. Statements made to police can be used against you, even if you believe you are explaining things.
What are the possible defenses to credit card fraud charges?
Common defenses include lack of intent to defraud, mistaken identity, lack of knowledge that the card was forged or stolen, consent of the cardholder, or insufficient evidence. A skilled credit card fraud New York attorney will investigate to find the strongest defense for your specific situation.
Can a credit card fraud conviction be sealed in New York?
It depends on the conviction and your criminal history. Most misdemeanors can be sealed after 10 years, and certain non-violent felonies may be eligible for conditional sealing under CPL § 160.59. An attorney can advise if your specific conviction qualifies for sealing or other relief.
Related Legal Resources
If you are facing other criminal charges in New York, our firm also handles general criminal defense. For charges stemming from business activities, consider our business law services. For a broader view of our criminal practice, visit our New York criminal defense hub page.
Last verified: April 2026. Laws change — contact Law Offices Of SRIS, P.C. at (888) 437-7747 for current guidance.