Dear Atty. Acosta,
Ano po ba ang parusa sa mga taong gumagamit ng nakaw na credit card?
Onor
Dear Onor,
ANG PAGGAMIT ng nakaw na credit card ay isang krimen sang-ayon sa Republic Act (R.A.) No. 8484 o ang Access Devices Regulation Act of 1998. Mahigpit na ipinagbabawal ng batas na ito ang ilegal na paggamit sa isang credit card. Partikular na ipinagbabawal ng batas na ito ang mga sumusunod:
“Section 9. Prohibited Acts. – The following acts shall constitute access device fraud and are hereby declared to be unlawful:
xxx
(j) obtaining money or anything of value through the use of an access device, with intent to defraud or with intent to gain and fleeing thereafter;
(k) having in one’s possession, without authority from the owner of the access device or the access device company, an access device, or any material, such as slips, carbon paper, or any other medium, on which the access device is written, printed, embossed, or otherwise indicated;
xxx”
Ganun din, may karampatang parusang pagkakulong ang sinumang lalabag sa batas na ito. Ito ay ang mga sumusunod:
“Section 10. Penalties. – Any person committing any of the acts constituting access device fraud enumerated in the immediately preceding section shall be punished with:
(a) a fine of Ten thousand pesos (P10,000.00) or twice the value obtained by the offense, whichever is greater and imprisonment for not less than six (6) years and not more than ten (10) years, in the case of an offense under Section 9 (b) – (e), and (g) – (p) which does not occur after a conviction for another offense under Section 9; (b) xxx
(c) a fine of Ten thousand pesos (P10,000.00) or twice the value obtained by the offense, or imprisonment for not less than twelve (12) years and not more than twenty (20) years, or both, in the case of any offense under Section 9, which occurs after a conviction for another offense under said subsection, or an attempt to commit the same.”
Bukod pa rito, ang pagtataglay o pagkakaroon ng nakaw na credit card ay maaari ring maituring na paglabag sa Presidential Decree No. 1612 o ang Anti-Fencing Law. Maparurusahan ng pagkakulong ang taong mapatutunayang lumabag dito (Section 3, Presidential Decree No. 1612).
Atorni First
By Atty. Persida Acosta
