Facing Credit Card Fraud Charges in New Jersey? Here’s What You Need to Know.

Finding yourself accused of credit card fraud in New Jersey can feel like a punch to the gut. The fear, the confusion, the worry about your future—it’s a heavy burden to carry. You’re likely wondering about the penalties, what the law actually says, and if there’s a way out of this daunting situation. Take a deep breath. Understanding the legal landscape is the first crucial step, and we’re here to provide that clarity.

At Law Offices of SRIS, P.C., we understand the anxiety that comes with criminal charges. Our goal isn’t just to explain the law; it’s to offer you a path forward, armed with knowledge and a dedicated legal team. This isn’t just about navigating legal complexities; it’s about protecting your rights and your future.

What Exactly is Credit Card Fraud in New Jersey?

Credit card fraud isn’t a single, simple act. In New Jersey, it covers a wide range of activities involving the illegal use or acquisition of credit cards, credit card numbers, or account information. Think of it like a broad umbrella under which many deceptive financial actions fall. This can include using a lost or stolen card, buying goods with a counterfeit card, or even simply possessing someone else’s card without permission, intending to use it.

Blunt Truth: The law is designed to protect financial systems from all sorts of trickery. So, even if you just thought you were “borrowing” a card or using a number you found, the legal system might see it as serious fraud. That’s why having a knowledgeable attorney on your side from the very beginning is so important to explain your specific situation and its implications.

As of October 2025, the following information applies.

New Jersey Laws on Credit Card Fraud: N.J.S.A. 2C:21-6

In New Jersey, the primary statute governing credit card fraud is N.J.S.A. 2C:21-6, titled “Credit Card Fraud.” This law specifically outlines various actions considered unlawful. It’s not just about using a card; it encompasses manufacturing, altering, or possessing fraudulent cards, as well as the actual misuse of authentic cards. Understanding the nuances of this statute is key to comprehending the charges you might face.

For example, the statute addresses scenarios like:

• Using a credit card you know is expired or revoked.
• Obtaining a credit card through fraudulent means.
• Using a credit card that does not belong to you, or that you have no permission to use.
• Possessing credit cards with the intent to defraud, even if you haven’t used them yet.
• Selling or buying credit cards from someone other than the issuer.
• Falsely representing yourself as the cardholder.

Each of these actions carries specific legal consequences. The prosecution will try to prove your intent to defraud, which is a critical element in these cases. You’re not alone in facing these challenges; Counsel at Law Offices of SRIS, P.C. have the experience to scrutinize the evidence and construct a robust defense.

The Real Talk: Penalties for Credit Card Fraud in New Jersey

The penalties for credit card fraud in New Jersey aren’t one-size-fits-all. They depend heavily on the value of the property or services involved and the number of fraudulent credit cards. This is where the severity of the charge escalates, turning what might seem like a minor mistake into a serious felony. It’s important to recognize that these aren’t just fines; they can include significant jail time, which can fundamentally alter your life.

Generally, New Jersey classifies credit card fraud into different degrees:

• Second-Degree Crime: If the value of the property or services obtained (or attempted to be obtained) is $75,000 or more, or if you possess 10 or more fraudulent credit cards. This is a very serious charge, carrying potential imprisonment of 5 to 10 years and fines up to $150,000.
• Third-Degree Crime: If the value is between $1,000 and $75,000, or if you possess between two and nine fraudulent credit cards. A third-degree crime can result in 3 to 5 years in prison and fines up to $15,000.
• Fourth-Degree Crime: If the value is less than $1,000, or if you possess only one fraudulent credit card. This still carries significant consequences, including up to 18 months in prison and fines up to $10,000.

Beyond the direct legal penalties, a credit card fraud conviction can have lasting effects. Think about your employment prospects, your ability to secure housing, and even your reputation in the community. A criminal record can follow you for years, making everyday life much harder. That’s why fighting these charges aggressively is so vital.

Insight: My focus since founding the firm in 1997 has always been directed towards personally handling the most challenging and complex criminal and family law matters our clients face.

Mr. Sris understands the gravity of these charges. His experience in complex criminal matters means he’s prepared to tackle even the most intricate cases, working tirelessly to protect your interests.

Potential Defenses Against Credit Card Fraud Charges in New Jersey

Being accused of credit card fraud doesn’t automatically mean you’re guilty. There are numerous defense strategies an experienced attorney can employ to challenge the prosecution’s case. Every situation is unique, and a successful defense often hinges on the specific details of your arrest and the evidence presented.

Common defense strategies might include:

• Lack of Intent: A key element of credit card fraud is the intent to defraud. If your attorney can demonstrate that you had no intention to deceive or commit fraud, the charges may be significantly weakened or even dismissed. Perhaps you genuinely believed you had permission to use a card.
• Mistake of Fact: Similar to lack of intent, this defense argues that you acted based on a misunderstanding of the facts. For example, if you mistakenly used a card believing it was your own or that you were authorized.
• Identity Theft: In some cases, you might be a victim of identity theft yourself, and the fraudulent activity was conducted by someone else using your identity. Proving this can clear your name.
• Insufficient Evidence: The prosecution has the burden of proof. If their evidence is weak, circumstantial, or collected improperly, your attorney can move to have it excluded or argue that it doesn’t meet the “beyond a reasonable doubt” standard.
• Miranda Rights Violations: If law enforcement violated your constitutional rights during arrest or interrogation (e.g., failing to read your Miranda rights), any statements you made could be inadmissible in court.
• Illegal Search and Seizure: If evidence was obtained through an unlawful search without a warrant or probable cause, it could be suppressed.

Building a strong defense requires a thorough investigation, a deep understanding of New Jersey law, and skilled negotiation or litigation. Don’t try to navigate this alone. A confidential case review with Law Offices of SRIS, P.C. can help you understand your options and begin to craft a strategic defense.

What to Do If You Are Charged with Credit Card Fraud in New Jersey

The moment you suspect you’re under investigation or are officially charged with credit card fraud, your actions in the immediate aftermath can significantly impact your case. It’s a frightening time, but staying calm and making informed decisions is paramount. Remember, you have rights, and exercising them wisely is your best defense.

Here’s a clear roadmap of what to do:

1. Remain Silent: Anything you say can and will be used against you. Do not answer questions from law enforcement without an attorney present. Politely state that you wish to speak with your lawyer.
2. Do Not Resist Arrest: Even if you believe the arrest is unlawful, resisting can lead to additional charges. Cooperate physically, but not verbally.
3. Contact an Attorney IMMEDIATELY: This is the most crucial step. A knowledgeable attorney can intervene on your behalf, protect your rights during questioning, and advise you on the best course of action from the very beginning. The earlier you get legal counsel, the better your chances for a favorable outcome.
4. Do Not Destroy Evidence: Tampering with or destroying evidence can lead to further serious charges like obstruction of justice. Resist the urge to delete emails, texts, or dispose of any items.
5. Gather Information: While not speaking to police, try to recall as many details as possible about the circumstances of the charge or investigation. Who was involved? What was said? When did it happen? This information will be invaluable to your attorney.

Understanding the intricate financial and technological aspects inherent in many modern legal cases, Mr. Sris has a unique advantage. He explains,

Insight: I find my background in accounting and information management provides a unique advantage when handling the intricate financial and technological aspects inherent in many modern legal cases.

This background is particularly beneficial in credit card fraud cases, which often involve digital trails and financial records.

The Legal Process for Credit Card Fraud Cases in New Jersey

Navigating the New Jersey criminal justice system can be complex and intimidating, especially when facing felony charges like credit card fraud. Knowing what to expect at each stage can help demystify the process and alleviate some of your anxiety. Your attorney will be your guide, explaining each step and advocating for you.

• Arrest and Booking: This is the initial stage where you are taken into custody, your information is recorded, and typically, fingerprints and a mugshot are taken.
• First Appearance/Bail Hearing: Within a short period after arrest, you’ll appear before a judge. Here, charges are formally read, and bail conditions are set. An attorney can argue for lower bail or release on your own recognizance.
• Grand Jury Indictment (for felonies): For more serious credit card fraud charges (felonies), a grand jury may review the evidence to determine if there’s enough probable cause to issue an indictment, which formally brings the case to trial.
• Arraignment: This is where you formally enter a plea of guilty or not guilty to the charges. Your attorney will advise you on the best plea.
• Discovery: Both the prosecution and defense exchange information, evidence, and witness lists. This is a critical phase for your attorney to assess the strength of the state’s case and identify potential defenses.
• Pre-Trial Motions: Your attorney may file motions to suppress evidence, dismiss charges, or address other legal issues before trial.
• Plea Bargaining: Many cases are resolved through plea bargains, where you agree to plead guilty to lesser charges or in exchange for a reduced sentence. Your attorney will negotiate on your behalf.
• Trial: If no plea agreement is reached, the case proceeds to trial, where evidence is presented, witnesses testify, and a judge or jury decides guilt or innocence.
• Sentencing: If convicted, the judge will impose a sentence based on the degree of the crime, your criminal history, and other factors.

This journey can be long and challenging, but with dedicated legal counsel, you don’t have to face it alone. Counsel at Law Offices of SRIS, P.C. are here to guide you through every stage, ensuring your rights are protected and your voice is heard.

Why Choose Law Offices of SRIS, P.C. for Your New Jersey Credit Card Fraud Defense?

When your future hangs in the balance, selecting the right legal representation is paramount. At Law Offices of SRIS, P.C., we’re not just attorneys; we’re seasoned advocates who understand the gravity of credit card fraud charges in New Jersey. We combine empathetic support with direct, strategic legal action, ensuring you feel both understood and powerfully represented.

Our commitment to you includes:

• Experienced Representation: Mr. Sris, with a background since 1997, leads our firm, bringing decades of experience in handling challenging criminal defense matters. His deep understanding of the law and court procedures in New Jersey is a significant advantage.
• Strategic Defense Planning: We don’t believe in a one-size-fits-all approach. We meticulously examine every detail of your case, from the circumstances of your arrest to the evidence collected, to identify weaknesses in the prosecution’s argument and build the strongest possible defense tailored to your unique situation.
• Relatable Authority: We speak plainly, explaining complex legal concepts in a way that makes sense. We’re empathetic to your fears but direct in our advice, giving you the real talk you need to make informed decisions.
• Dedication to Your Rights: Our priority is always to protect your constitutional rights. We challenge unlawful procedures, ensure fair treatment, and fight vigorously against unjust charges, both inside and outside the courtroom.
• Technological Insight: Credit card fraud cases often involve digital evidence and financial records. Mr. Sris’s background in accounting and information management provides invaluable insight into these technical aspects, offering a significant edge in dissecting complex financial data.

Insight: As someone deeply involved in the community, I believe it’s important to not only practice law but also to actively participate in shaping it, which is why I dedicated effort towards amending Virginia Code § 20-107.3 and achieving state recognition for cultural milestones.

This commitment to shaping the legal landscape underscores the proactive and dedicated approach we take to every client’s case. We don’t just react to charges; we strategize to achieve the best possible outcome for you.

Take the Next Step: Secure Your Future

Facing credit card fraud charges in New Jersey is undoubtedly a challenging experience, but it’s not one you have to endure alone. With the potential for serious penalties, including significant jail time and lasting consequences, securing experienced legal representation is not just advisable—it’s essential. Law Offices of SRIS, P.C. has locations in Flanders, New Jersey, and other jurisdictions to serve you.

We’re here to provide the clarity, reassurance, and strong defense you need. Our team is ready to listen to your story, explain your options, and fight for your future. Don’t let fear paralyze you; take control by contacting us today.

Call us at +1-609-983-0003 for a confidential case review. Your initial consultation is an opportunity to discuss your situation with a knowledgeable attorney, understand the charges against you, and explore potential defense strategies without obligation. Let us help you navigate this complex legal journey.

Past results do not predict future outcomes.