Charged With Credit Card Fraud? Here’s What You Should Know

One of the first things that people charged with credit card fraud don’t realize is how seriously the Crown treats the charges against them. Victims of credit card fraud can face serious, long-term consequences. These can include low credit report scores that can affect their ability to buy a home, a car or start a business. So federal laws are particularly severe in an effort to prevent more people from becoming victims.

What to Know if You’re Charged with Credit Card Fraud

In addition to stiffer penalties, anyone charged with using stolen credit card information can face a number of other consequences they may not be prepared for.

  1. Who Can Be Found Guilty – The Criminal Code of Canada says that anyone who steals a credit card, forges or falsifies a credit card or knowingly possesses, uses or traffics an unauthorized credit card, or credit card number, can be found guilty of an offence. This can even include using your own credit card number, knowing that it has expired, been revoked or cancelled.

  2. You May Be Charged with More than One Offence – The offence(s) you can be charged with include credit card theft and trafficking credit card data.

  3. You Don’t Need to Steal or Possess a Stolen Card to Be Guilty – If you possess, use or traffic credit card account data, or other personal data of a victim that can be used to illegally get credit cards or other credit card data, you can still be found guilty of credit card fraud charges. That data includes illegally possessing a credit card account number and expiration date.

  4. You Don’t Need to Use a Credit Card or Credit Card Data to Be Found Guilty – You can be found guilty of credit card fraud merely by illegally possessing personal information from a credit card, even if you don’t make any unauthorized transactions.

If you found this article helpful, check out our recent post about how long a speeding ticket stays on your record in Ontario.




What Should You Have In A Car Emergency Kit?

Many of us don’t think about having a car emergency kit. It’s one of those things we don’t need until one dark evening when we find ourselves stranded on the side of an empty road. Especially in Canada, where it is not unusual to end up in a bad situation in the dead of winter, it’s good to have a kit passively in the trunk that you have on hand should you need it.

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What is the Law for Drinking and Boating?

photo credit tc.gc.ca

photo credit tc.gc.ca

As winter ends and Canada heats back up to a reasonable temperature, many Canadians flock to the water to bask in the often short-lived summer heat. There are tons of boating possibilities across the country’s numerous lakes, from renting a houseboat with friends, to fishing, to hopping in a neighbour’s motorboat for a ride.

This is a time to socialize and let the cares of the world drift away, a ritual that often includes a few cold drinks on a boat deck. It’s important to note that in Canada, operating a boat while under the influence of alcohol or drugs is a criminal offence. Continue reading




6 Common Causes of Car Accidents

car crashes

The very first car-related fatality occurred in London in 1896. Since then, millions of people around the world have died on the road, for a variety of different reasons. Although statistics vary widely from place to place, some factors remain consistent worldwide. Here are six common causes of car accidents:

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Re: Inconsistent radar testing casts doubt

canada speeding

Today CBC news published an article titled “Inconsistent radar testing casts doubt on validity of millions of speeding tickets”. For your reference, see the article written by Marnie Luke, Lori Ward, and CBC News here: www.cbc.ca/news/canada/speeding-tickets

This article has gained some traction through social media today, and is starting to become a topic of conversation in some circles. It is very important that in reading this article, we take this information with a grain of salt and understand what this means in a practical sense to anyone who unfortunately finds themselves charged with a Speeding offence. Continue reading




Commercial Truck Driving Tips and Pitfalls to Avoid

Commercial Truck Driving Tips and Pitfalls to AvoidIf you operate commercial vehicles in Ontario, you are subject to the rules of Ontario’s Commercial Vehicle Operator’s Registration (CVOR) system and the Carrier Safety Rating (CSR) Program. These systems are in place to maintain the safety of Ontario’s roads by rating and inspecting commercial vehicles and drivers. As an operator, there many aspects of your CVOR rating you need to be aware of. The following information is good to know in general, but especially useful if you find yourself charged with a traffic infraction or offence.

What constitutes a commercial vehicle? 
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