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WorksheetsTexas Penal Code - PENAL § 32.31. Credit Card or Debit Card Abus
Total questions: 10
Worksheet time: 5mins
According to Texas Penal Code § 32.31, what is the basic definition of credit card or debit card abuse?
Using a card to withdraw cash from your own account
Using a credit or debit card without the cardholder’s consent
Applying for a new credit card
Paying off a credit card bill
Which of the following is considered a type of credit card fraud under Texas Penal Code § 32.31?
Using a card that has expired
Using a stolen credit card to make a purchase
Forgetting to sign the back of your card
Paying with cash instead of a card
What is one possible legal consequence for someone found guilty of credit card or debit card abuse in Texas?
Receiving a parking ticket
Being charged with a state jail felony
Getting a warning letter
Having to retake a driving test
Which of the following best describes “possession of a fraudulent credit card” as a type of credit card abuse?
Owning a card with your own name on it
Having a card that you know is fake or altered
Using a card to buy groceries
Lending your card to a family member
If a person uses someone else’s debit card number to make online purchases without permission, which type of credit card fraud does this represent?
Card-not-present fraud
Card-present fraud
Friendly fraud
Refund fraud
A student finds a lost credit card and decides to use it to buy lunch. Based on Texas Penal Code § 32.31, which concept does this situation best illustrate?
Accidental misuse
Credit card abuse through unauthorized use
Proper cardholder behavior
Legal card use
Explain why using a credit card that you know is expired or revoked can still be considered credit card abuse under Texas law.
Because the card is still valid for identification
Because using a card you know is not valid is illegal, even if it once belonged to you
Because expired cards are always accepted
Because it is not considered a crime
A person is caught with several credit cards that do not belong to them and cannot explain how they got them. What type of credit card abuse might this indicate?
Lawful possession
Possession with intent to use fraudulently
Authorized use
Cardholder error
Compare the legal consequences for a first-time offender versus a repeat offender convicted of credit card abuse in Texas.
Both receive the same penalty
Repeat offenders may face harsher penalties, such as longer jail time or higher fines
First-time offenders are not punished
Only repeat offenders are prosecuted
Why is it important for individuals to report lost or stolen credit cards immediately, based on the risks described in Texas Penal Code § 32.31?
To avoid paying annual fees
To prevent unauthorized use and potential legal issues
To get a new card design
To increase their credit limit
