Iowa criminal charge
Credit card fraud minor involved in Iowa
Credit card fraud minor involved is a criminal offense under Iowa law, defined by Iowa Code § 715A.6B. Its classification is not fixed: Iowa assigns a different penalty class depending on the circumstances of the offense. The class that applies — and the sentencing range that follows from it — depends on which statutory variant fits the facts.
Defined by Iowa Code § 715A.6B.
What is the penalty for credit card fraud minor involved in Iowa?
| Penalty | Range | Basis | Authority |
|---|---|---|---|
| Jail / prison | up to 5 years (Fraudulent credit card application in a minor's name — A person applies for a credit card in the name of a minor other than themselves, without the consent of the minor's parent, guardian, or legal custodian.; indeterminate term (§902.3); maximum only, release determined by the board of parole) | discretionary | Iowa Code § 902.9 |
| Fine | $1,025 to $10,245 (Fraudulent credit card application in a minor's name — A person applies for a credit card in the name of a minor other than themselves, without the consent of the minor's parent, guardian, or legal custodian.; §911 surcharges added on top) | mandatory | Iowa Code § 902.9 |
| Jail / prison | up to 10 years (Use of fraudulently obtained minor's credit card — value greater than $10,000 — The person uses a credit card obtained in violation of subsection 2 to secure or seek to secure property or services valued at greater than ten thousand dollars.; indeterminate term (§902.3); maximum only, release determined by the board of parole) | discretionary | Iowa Code § 902.9 |
| Fine | $1,370 to $13,660 (Use of fraudulently obtained minor's credit card — value greater than $10,000 — The person uses a credit card obtained in violation of subsection 2 to secure or seek to secure property or services valued at greater than ten thousand dollars.; §911 surcharges added on top) | mandatory | Iowa Code § 902.9 |
| Jail / prison | up to 5 years (Use of fraudulently obtained minor's credit card — value $10,000 or less — The person uses a credit card obtained in violation of subsection 2 to secure or seek to secure property or services valued at ten thousand dollars or less.; indeterminate term (§902.3); maximum only, release determined by the board of parole) | discretionary | Iowa Code § 902.9 |
| Fine | $1,025 to $10,245 (Use of fraudulently obtained minor's credit card — value $10,000 or less — The person uses a credit card obtained in violation of subsection 2 to secure or seek to secure property or services valued at ten thousand dollars or less.; §911 surcharges added on top) | mandatory | Iowa Code § 902.9 |
Applies to current (2026 Iowa Code; fine levels per 2020 Acts ch 1074).
How is credit card fraud minor involved classified in Iowa?
The classification depends on the circumstances:
| Variant | Classification | When it applies | Statute |
|---|---|---|---|
| Fraudulent credit card application in a minor's name | Class “D” Felony | A person applies for a credit card in the name of a minor other than themselves, without the consent of the minor's parent, guardian, or legal custodian. | Iowa Code § 715A.6B(2) |
| Use of fraudulently obtained minor's credit card — value greater than $10,000 | Class “C” Felony | The person uses a credit card obtained in violation of subsection 2 to secure or seek to secure property or services valued at greater than ten thousand dollars. | Iowa Code § 715A.6B(3)(a)(1) |
| Use of fraudulently obtained minor's credit card — value $10,000 or less | Class “D” Felony | The person uses a credit card obtained in violation of subsection 2 to secure or seek to secure property or services valued at ten thousand dollars or less. | Iowa Code § 715A.6B(3)(a)(2) |
Common questions about credit card fraud minor involved in Iowa
Is credit card fraud minor involved a felony or a misdemeanor in Iowa?
It depends on the circumstances: credit card fraud minor involved ranges from a Class “D” Felony to a Class “C” Felony in Iowa under Iowa Code § 715A.6B.
Fraudulent credit card application in a minor's name: Class “D” Felony (Iowa Code § 715A.6B(2)) · Use of fraudulently obtained minor's credit card — value greater than $10,000: Class “C” Felony (Iowa Code § 715A.6B(3)(a)(1)) · Use of fraudulently obtained minor's credit card — value $10,000 or less: Class “D” Felony (Iowa Code § 715A.6B(3)(a)(2))
What are the penalties for credit card fraud minor involved in Iowa?
Penalties for credit card fraud minor involved in Iowa depend on how it is classified — from a Class “D” Felony up to a Class “C” Felony — with the ranges set by Iowa Code § 902.9; the full table of ranges by variant is published on this page.
Which Iowa statute covers credit card fraud minor involved?
Credit card fraud minor involved is governed by Iowa Code § 715A.6B (Credit card fraud minor involved).
Legal terms used in this law
This reference is informational and is not legal advice. Penalty ranges are the statutory classification ranges; sentencing in a specific case depends on its facts and history.