Penal Code · §32.31

Credit Card or Debit Card Abuse

Credit Card or Debit Card Abuse (§32.31): key points and worked practice questions for Texas peace officer exam preparation.

Key points

  • Presents or uses a credit or debit card with intent to obtain a benefit fraudulently, knowing the card was not issued to the actor and is used without the cardholder's effective consent, or that it has expired or been revoked or cancelled, OR
  • Other conduct listed in §32.31(b)

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Worked examples

Worked example 1

Credit Card or Debit Card Abuse under §32.31 is generally what level of offense?

  1. Class B misdemeanor
  2. Class A misdemeanor
  3. State jail felony Correct
  4. 3rd degree felony
Why: Credit/Debit Card Abuse is a state jail felony. Enhanced to a 3rd degree felony when the victim is an elderly individual.
Statute: Tex. Penal Code §32.31(d)