Credit card fraud (also known as credit card abuse) is a criminal offense in every state and includes a broad range of fraudulent uses of credit or debit cards. Laws vary from state to state, and some states have separate criminal offenses for related crimes, such as the manufacturing of counterfeit credit cards.

Credit card fraud generally includes (1) using a stolen or illegally obtained credit or debit card to obtain goods or services; (2) using a fictitious credit or debit card or account number to obtain goods or services; (3) stealing a credit or debit card or, with knowledge that it has been stolen, receiving a credit or debit card with intent to use it, sell it, or transfer it to a person other than the issuer or the cardholder; (4) buying a credit or debit card from a person the buyer knows is not the issuer of the credit card (a bank); (5) selling a credit or debit card when the seller is not the authorized issuer of the card (a bank); (6) when a merchant—with the intent to defraud the card issuer (bank) or the cardholder—provides goods or services based on the presentation for payment of a credit or debit card the merchant knows is forged, expired, or revoked; or (7) when a merchant—with the intent to defraud the card issuer (bank) or the cardholder—fails to furnish goods or services it represents to the card issuer in writing that it has furnished.

The laws regarding criminal offenses related to credit card fraud are usually located in a state’s statutes—often in the penal or criminal code.

In Washington State, credit card fraud is considered a serious criminal offense and is covered under various statutes within the Revised Code of Washington (RCW). The state defines and penalizes several forms of credit card fraud, including but not limited to the unauthorized use of a credit or debit card to obtain goods or services, possession of another person's card without consent, using a card knowing it has been altered or revoked, and using a fictitious card or card number. Additionally, it is illegal to sell or transfer credit or debit cards if you are not the issuer, and merchants are prohibited from engaging in fraudulent activities related to credit or debit card transactions. The specific laws detailing credit card fraud can be found in RCW 9A.56.010 and following sections, which outline theft and fraud-related offenses. Penalties for credit card fraud in Washington can range from gross misdemeanors to class B felonies, depending on the severity of the offense and the value of the goods or services fraudulently obtained.