Using a credit/debit card with knowledge that it has not been issued to him, is not used with effective consent of the owner, or the card has been cancelled.

• A. False Statement to obtain property/ credit/ certain services
• B. Credit/Debit Card Abuse
• C. Fraudulent Use or Possession of Identifying Information
• D. Stealing/Receiving Stolen Check

Answer: (B)

Unauthorized use of another person’s credit or debit card is credit/debit card abuse. The key idea is that handling or using a payment card without the owner’s permission, or after consent has been withdrawn (such as when a card is canceled), enables the user to obtain goods or services improperly. This fits the scenario where someone uses a card they know isn’t theirs, or uses it without effective consent, or after cancellation.

False statements to obtain property or credit involve misrepresenting information to get something of value, which is a different form of fraud. The act here centers on the unauthorized use of the card itself, not on deception to loan or extend credit. The option about fraudulent use or possession of identifying information deals with using someone’s data or credentials to commit fraud; while related, it focuses on data rather than the card as the instrument being used. Stealing or receiving stolen checks pertains to checks, not cards, so it doesn’t apply to card use.