{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/18.2-195.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/18.2-195.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/18.2-195.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/18.2-195.html"}],"law_id":66368,"edition_id":1,"section_id":66368,"structure_id":16022,"section_number":"18.2-195","catch_line":"Credit card fraud; conspiracy; penalties","history":"Code 1950, \u00a7 18.1-125.6; 1968, c. 480; 1975, cc. 14, 15; 1978, c. 364; 1980, c. 99; 1981, c. 197; 1985, c. 266; 1991, c. 546; 2018, cc. 764, 765; 2020, cc. 89, 401.","full_text":"1\n\nA person is guilty of credit card fraud when, with intent to defraud any person, he:a\n\nUses for the purpose of obtaining money, goods, services or anything else of value a credit card or credit card number obtained or retained in violation of § 18.2-192 or a credit card or credit card number which he knows is expired or revoked;b\n\nObtains money, goods, services or anything else of value by representing (i) without the consent of the cardholder that he is the holder of a specified card or credit card number or (ii) that he is the holder of a card or credit card number and such card or credit card number has not in fact been issued;c\n\nObtains control over a credit card or credit card number as security for debt; ord\n\nObtains money from an issuer by use of an unmanned device of the issuer or through a person other than the issuer when he knows that such advance will exceed his available credit with the issuer and any available balances held by the issuer.2\n\nA person who is authorized by an issuer to furnish money, goods, services or anything else of value upon presentation of a credit card or credit card number by the cardholder, or any agent or employee of such person, is guilty of a credit card fraud when, with intent to defraud the issuer or the cardholder, he:a\n\nFurnishes money, goods, services or anything else of value upon presentation of a credit card or credit card number obtained or retained in violation of § 18.2-192, or a credit card or credit card number which he knows is expired or revoked;b\n\nFails to furnish money, goods, services or anything else of value which he represents or causes to be represented in writing or by any other means to the issuer that he has furnished; orc\n\nRemits to an issuer or acquirer a record of a credit card or credit card number transaction which is in excess of the monetary amount authorized by the cardholder.3\n\nConviction of credit card fraud is punishable as a Class 1 misdemeanor if the value of all money, goods, services and other things of value furnished in violation of this section, or if the difference between the value of all money, goods, services and anything else of value actually furnished and the value represented to the issuer to have been furnished in violation of this section, is less than $1,000 in any six-month period; conviction of credit card fraud is punishable as a Class 6 felony if such value is $1,000 or more in any six-month period.4\n\nAny person who conspires, confederates or combines with another, (i) either within or without the Commonwealth to commit credit card fraud within the Commonwealth or (ii) within the Commonwealth to commit credit card fraud within or without the Commonwealth, is guilty of a Class 6 felony.","order_by":null,"text":{"0":{"id":240928,"text":"A person is guilty of credit card fraud when, with intent to defraud any person, he:","type":"section","prefixes":["1"],"prefix":"1","entire_prefix":"1","prefix_anchor":"1","level":1,"next_prefix":"1a"},"1":{"id":240929,"text":"Uses for the purpose of obtaining money, goods, services or anything else of value a credit card or credit card number obtained or retained in violation of § 18.2-192 or a credit card or credit card number which he knows is expired or revoked;","type":"section","prefixes":["1","a"],"prefix":"a","entire_prefix":"1a","prefix_anchor":"1a","level":2,"prior_prefix":"1","next_prefix":"1b"},"2":{"id":240930,"text":"Obtains money, goods, services or anything else of value by representing (i) without the consent of the cardholder that he is the holder of a specified card or credit card number or (ii) that he is the holder of a card or credit card number and such card or credit card number has not in fact been issued;","type":"section","prefixes":["1","b"],"prefix":"b","entire_prefix":"1b","prefix_anchor":"1b","level":2,"prior_prefix":"1a","next_prefix":"1c"},"3":{"id":240931,"text":"Obtains control over a credit card or credit card number as security for debt; or","type":"section","prefixes":["1","c"],"prefix":"c","entire_prefix":"1c","prefix_anchor":"1c","level":2,"prior_prefix":"1b","next_prefix":"1d"},"4":{"id":240932,"text":"Obtains money from an issuer by use of an unmanned device of the issuer or through a person other than the issuer when he knows that such advance will exceed his available credit with the issuer and any available balances held by the issuer.","type":"section","prefixes":["1","d"],"prefix":"d","entire_prefix":"1d","prefix_anchor":"1d","level":2,"prior_prefix":"1c","next_prefix":"2"},"5":{"id":240933,"text":"A person who is authorized by an issuer to furnish money, goods, services or anything else of value upon presentation of a credit card or credit card number by the cardholder, or any agent or employee of such person, is guilty of a credit card fraud when, with intent to defraud the issuer or the cardholder, he:","type":"section","prefixes":["2"],"prefix":"2","entire_prefix":"2","prefix_anchor":"2","level":1,"prior_prefix":"1d","next_prefix":"2a"},"6":{"id":240934,"text":"Furnishes money, goods, services or anything else of value upon presentation of a credit card or credit card number obtained or retained in violation of § 18.2-192, or a credit card or credit card number which he knows is expired or revoked;","type":"section","prefixes":["2","a"],"prefix":"a","entire_prefix":"2a","prefix_anchor":"2a","level":2,"prior_prefix":"2","next_prefix":"2b"},"7":{"id":240935,"text":"Fails to furnish money, goods, services or anything else of value which he represents or causes to be represented in writing or by any other means to the issuer that he has furnished; or","type":"section","prefixes":["2","b"],"prefix":"b","entire_prefix":"2b","prefix_anchor":"2b","level":2,"prior_prefix":"2a","next_prefix":"2c"},"8":{"id":240936,"text":"Remits to an issuer or acquirer a record of a credit card or credit card number transaction which is in excess of the monetary amount authorized by the cardholder.","type":"section","prefixes":["2","c"],"prefix":"c","entire_prefix":"2c","prefix_anchor":"2c","level":2,"prior_prefix":"2b","next_prefix":"3"},"9":{"id":240937,"text":"Conviction of credit card fraud is punishable as a Class 1 misdemeanor if the value of all money, goods, services and other things of value furnished in violation of this section, or if the difference between the value of all money, goods, services and anything else of value actually furnished and the value represented to the issuer to have been furnished in violation of this section, is less than $1,000 in any six-month period; conviction of credit card fraud is punishable as a Class 6 felony if such value is $1,000 or more in any six-month period.","type":"section","prefixes":["3"],"prefix":"3","entire_prefix":"3","prefix_anchor":"3","level":1,"prior_prefix":"2c","next_prefix":"4"},"10":{"id":240938,"text":"Any person who conspires, confederates or combines with another, (i) either within or without the Commonwealth to commit credit card fraud within the Commonwealth or (ii) within the Commonwealth to commit credit card fraud within or without the Commonwealth, is guilty of a Class 6 felony.","type":"section","prefixes":["4"],"prefix":"4","entire_prefix":"4","prefix_anchor":"4","level":1,"prior_prefix":"3"}},"ancestry":[{"id":16022,"edition_id":1,"name":"Offenses Relating to Credit Cards","identifier":"6","label":"article","depth":3,"order_by":1,"parent_id":13358,"metadata":{},"date_created":"2026-06-26 04:04:08","date_modified":"2026-06-26 04:04:08","permalink":{"id":166189,"object_type":"structure","relational_id":16022,"identifier":"6","token":"18.2\/6\/6","url":"\/18.2\/6\/6\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13358,"edition_id":1,"name":"Crimes Involving Fraud","identifier":"6","label":"chapter","depth":2,"order_by":1,"parent_id":12972,"metadata":{},"date_created":"2026-06-26 03:44:42","date_modified":"2026-06-26 03:44:42","permalink":{"id":165933,"object_type":"structure","relational_id":13358,"identifier":"6","token":"18.2\/6","url":"\/18.2\/6\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12972,"edition_id":1,"name":"Crimes and Offenses Generally","identifier":"18.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:44:05","date_modified":"2026-06-26 03:44:05","permalink":{"id":164139,"object_type":"structure","relational_id":12972,"identifier":"18.2","token":"18.2","url":"\/18.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":86178,"structure_id":16022,"section_number":"18.2-191","catch_line":"Definitions","url":"\/18.2-191\/","token":"18.2\/6\/6\/18.2-191","metadata":false},{"id":64436,"structure_id":16022,"section_number":"18.2-192","catch_line":"Credit card theft","url":"\/18.2-192\/","token":"18.2\/6\/6\/18.2-192","metadata":false},{"id":62758,"structure_id":16022,"section_number":"18.2-193","catch_line":"Credit card forgery","url":"\/18.2-193\/","token":"18.2\/6\/6\/18.2-193","metadata":false},{"id":71574,"structure_id":16022,"section_number":"18.2-194","catch_line":"Unauthorized possession of two or more signed credit cards or credit card numbers","url":"\/18.2-194\/","token":"18.2\/6\/6\/18.2-194","metadata":false},{"id":66368,"structure_id":16022,"section_number":"18.2-195","catch_line":"Credit card fraud; conspiracy; penalties","url":"\/18.2-195\/","token":"18.2\/6\/6\/18.2-195","metadata":false},{"id":72630,"structure_id":16022,"section_number":"18.2-195.1","catch_line":"Credit card factoring","url":"\/18.2-195.1\/","token":"18.2\/6\/6\/18.2-195.1","metadata":false},{"id":85008,"structure_id":16022,"section_number":"18.2-195.2","catch_line":"Fraudulent application for credit card; penalties","url":"\/18.2-195.2\/","token":"18.2\/6\/6\/18.2-195.2","metadata":false},{"id":70165,"structure_id":16022,"section_number":"18.2-196","catch_line":"Criminal possession of credit card forgery devices","url":"\/18.2-196\/","token":"18.2\/6\/6\/18.2-196","metadata":false},{"id":81300,"structure_id":16022,"section_number":"18.2-196.1","catch_line":"Unlawful use of payment card scanning devices and re-encoders; penalty","url":"\/18.2-196.1\/","token":"18.2\/6\/6\/18.2-196.1","metadata":false},{"id":85710,"structure_id":16022,"section_number":"18.2-197","catch_line":"Criminally receiving goods and services fraudulently obtained","url":"\/18.2-197\/","token":"18.2\/6\/6\/18.2-197","metadata":false},{"id":71921,"structure_id":16022,"section_number":"18.2-198","catch_line":"Obtaining airline, railroad, steamship, etc., ticket at discount price","url":"\/18.2-198\/","token":"18.2\/6\/6\/18.2-198","metadata":false},{"id":68971,"structure_id":16022,"section_number":"18.2-198.1","catch_line":"Venue","url":"\/18.2-198.1\/","token":"18.2\/6\/6\/18.2-198.1","metadata":false},{"id":85607,"structure_id":16022,"section_number":"18.2-199","catch_line":"Penalties for violation of article","url":"\/18.2-199\/","token":"18.2\/6\/6\/18.2-199","metadata":false}],"previous_section":{"id":71574,"structure_id":16022,"section_number":"18.2-194","catch_line":"Unauthorized possession of two or more signed credit cards or credit card numbers","url":"\/18.2-194\/","token":"18.2\/6\/6\/18.2-194","metadata":false},"next_section":{"id":72630,"structure_id":16022,"section_number":"18.2-195.1","catch_line":"Credit card factoring","url":"\/18.2-195.1\/","token":"18.2\/6\/6\/18.2-195.1","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/18.2-195\/","history_text":"

The record of this law\u2019s original creation isn\u2019t available online. It has been modified 9 times. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. Those modifications are as follows: in 1968, chapter 480; in 1975, chapters 14 and 15; in 1978, chapter 364; in 1980, chapter 99; in 1981, chapter 197; in 1985, chapter 266; in 1991, chapter 546; in 2018, chapters 764<\/a> and 765<\/a>; in 2020, chapters 89<\/a> and 401<\/a>.<\/p>","references":[{"id":85710,"section_number":"18.2-197","catch_line":"Criminally receiving goods and services fraudulently obtained","order_by":null,"url":"\/18.2-197\/"},{"id":71921,"section_number":"18.2-198","catch_line":"Obtaining airline, railroad, steamship, etc., ticket at discount price","order_by":null,"url":"\/18.2-198\/"},{"id":68971,"section_number":"18.2-198.1","catch_line":"Venue","order_by":null,"url":"\/18.2-198.1\/"},{"id":58970,"section_number":"19.2-327.15","catch_line":"Definitions","order_by":null,"url":"\/19.2-327.15\/"}],"refers_to":[{"id":64436,"section_number":"18.2-192","catch_line":"Credit card theft","order_by":null,"url":"\/18.2-192\/"}],"permalink":{"id":166207,"object_type":"law","relational_id":66368,"identifier":"18.2-195","token":"18.2\/6\/6\/18.2-195","url":"\/18.2-195\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/18.2-195\/","token":"18.2\/6\/6\/18.2-195","dublin_core":{"Title":"Credit card fraud; conspiracy; penalties","Type":"Text","Format":"text\/html","Identifier":"\u00a7 18.2-195","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

1.<\/span> A person is guilty of credit card<\/span> fraud<\/span> when, with intent<\/span> to defraud any person, he: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

a.<\/span> Uses for the purpose of obtaining money, goods, services or anything else of value a credit card<\/span> or credit card<\/span> number obtained or retained in violation of § 18.2-192<\/a> or a credit card<\/span> or credit card<\/span> number which he knows is expired or revoked; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

b.<\/span> Obtains money, goods, services or anything else of value by representing (i) without the consent of the cardholder<\/span> that he is the holder of a specified card or credit card<\/span> number or (ii) that he is the holder of a card or credit card<\/span> number and such card or credit card<\/span> number has not in fact<\/span> been issued; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

c.<\/span> Obtains control over a credit card<\/span> or credit card<\/span> number as security for debt; or <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

d.<\/span> Obtains money from an issuer<\/span> by use of an unmanned device of the issuer<\/span> or through a person other than the issuer<\/span> when he knows that such advance will exceed his available credit with the issuer<\/span> and any available balances held by the issuer<\/span>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> A person who is authorized by an issuer<\/span> to furnish money, goods, services or anything else of value upon presentation of a credit card<\/span> or credit card<\/span> number by the cardholder<\/span>, or any agent or employee of such person, is guilty of a credit card<\/span> fraud<\/span> when, with intent<\/span> to defraud the issuer<\/span> or the cardholder<\/span>, he: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

a.<\/span> Furnishes money, goods, services or anything else of value upon presentation of a credit card<\/span> or credit card<\/span> number obtained or retained in violation of § 18.2-192<\/a>, or a credit card<\/span> or credit card<\/span> number which he knows is expired or revoked; <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

b.<\/span> Fails to furnish money, goods, services or anything else of value which he represents or causes to be represented in writing or by any other means to the issuer<\/span> that he has furnished; or <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

c.<\/span> Remits to an issuer<\/span> or acquirer<\/span> a record of a credit card<\/span> or credit card<\/span> number transaction which is in excess of the monetary amount authorized by the cardholder<\/span>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> Conviction<\/span> of credit card<\/span> fraud<\/span> is punishable as a Class 1 misdemeanor<\/span> if the value of all money, goods, services and other things of value furnished in violation of this section, or if the difference between the value of all money, goods, services and anything else of value actually furnished and the value represented to the issuer<\/span> to have been furnished in violation of this section, is less than $1,000 in any six-month period; conviction<\/span> of credit card<\/span> fraud<\/span> is punishable as a Class 6 felony<\/span> if such value is $1,000 or more in any six-month period. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

4.<\/span> Any person who conspires, confederates or combines with another, (i) either within or without the Commonwealth to commit credit card<\/span> fraud<\/span> within the Commonwealth or (ii) within the Commonwealth to commit credit card<\/span> fraud<\/span> within or without the Commonwealth, is guilty of a Class 6 felony<\/span>. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nCREDIT CARD FRAUD; CONSPIRACY; PENALTIES (\u00a7 18.2-195)\n\n1. A person is guilty of credit card fraud when, with intent to defraud any\nperson, he:\n\n a. Uses for the purpose of obtaining money, goods, services or anything else\n of value a credit card or credit card number obtained or retained in violation\n of § 18.2-192 or a credit card or credit card number which he knows is\n expired or revoked;\n\n b. Obtains money, goods, services or anything else of value by representing\n (i) without the consent of the cardholder that he is the holder of a specified\n card or credit card number or (ii) that he is the holder of a card or credit\n card number and such card or credit card number has not in fact been issued;\n\n c. Obtains control over a credit card or credit card number as security for\n debt; or\n\n d. Obtains money from an issuer by use of an unmanned device of the issuer or\n through a person other than the issuer when he knows that such advance will\n exceed his available credit with the issuer and any available balances held by\n the issuer.\n\n2. A person who is authorized by an issuer to furnish money, goods, services or\nanything else of value upon presentation of a credit card or credit card number\nby the cardholder, or any agent or employee of such person, is guilty of a\ncredit card fraud when, with intent to defraud the issuer or the cardholder, he:\n\n a. Furnishes money, goods, services or anything else of value upon\n presentation of a credit card or credit card number obtained or retained in\n violation of § 18.2-192, or a credit card or credit card number which he\n knows is expired or revoked;\n\n b. Fails to furnish money, goods, services or anything else of value which he\n represents or causes to be represented in writing or by any other means to the\n issuer that he has furnished; or\n\n c. Remits to an issuer or acquirer a record of a credit card or credit card\n number transaction which is in excess of the monetary amount authorized by the\n cardholder.\n\n3. Conviction of credit card fraud is punishable as a Class 1 misdemeanor if the\nvalue of all money, goods, services and other things of value furnished in\nviolation of this section, or if the difference between the value of all money,\ngoods, services and anything else of value actually furnished and the value\nrepresented to the issuer to have been furnished in violation of this section,\nis less than $1,000 in any six-month period; conviction of credit card fraud is\npunishable as a Class 6 felony if such value is $1,000 or more in any six-month\nperiod.\n\n4. Any person who conspires, confederates or combines with another, (i) either\nwithin or without the Commonwealth to commit credit card fraud within the\nCommonwealth or (ii) within the Commonwealth to commit credit card fraud within\nor without the Commonwealth, is guilty of a Class 6 felony.\n\nHISTORY: Code 1950, \u00a7 18.1-125.6; 1968, c. 480; 1975, cc. 14, 15; 1978, c. 364;\n1980, c. 99; 1981, c. 197; 1985, c. 266; 1991, c. 546; 2018, cc. 764, 765; 2020,\ncc. 89, 401.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}