You can be charged under any of these statutes if you use someone else’s credit or debit card without that person’s consent, using your own credit or debit card knowing that it has been revoked, expired or that your available balance is less than the purchase price, and/or using a stolen or fraudulent credit or debit card to receive money, goods or services.
Generally speaking most instances of credit card fraud are punished as forgery or as theft.
When the crime is charged as theft, it is usually the amount of the fraud that dictates whether the punishment will be that of grand theft or petty theft, though some credit card fraud violations automatically qualify as one or the other.
The exact penalties you would face for each violation are noted above under the specific section addressing the offense. If charged as a misdemeanor (based on the value of the theft), you face a 6-12 months jail time, fines and restitution.
If charged as a felony (over $950), you are facing 16 months, 2 or 3 years jail time, fines and restitution.