Credit card fraud and credit card theft are actually two separate crimes in New Jersey.  Importantly, these two crimes are often charged in the same case, such as in cases where the charges are based upon a scenario where the defendant first stole the credit card and then used it to obtain something of value.  Credit card theft is often simpler for the prosecution to prove because if you possess someone else’s credit card, there is a presumption that the state has probable cause to charge you with credit card theft.