(1) Any person who secures a benefit for himself, or another, by acquiring or retaining (by any means), a bank or credit card of another person; or using, or allowing to be used, such a card without the consent of the card holder or the residual owner shall be sentenced to a penalty of imprisonment for a term of three to six years and a judicial fine of up to five thousand days.

(2) Any person who produces, sells, transfers, purchases or receives a counterfeit bank or credit card which relates to the bank account of another shall be sentenced to a penalty of imprisonment for a term of three to seven years and judicial fine of up to ten thousand days.

(3) Any person who secures a benefit for himself or another by using a counterfeit or falsified bank or credit card shall be sentenced to a penalty of imprisonment for a term of four to eight years and judicial a fine of up to five thousand days, provided such act does not constitute a separate offence. 

(4) Where an offence described in paragraph one concerns a loss to:

a) a spouse of a marriage where such spouse has not been subject to a court decree of separation,

b) a direct-antecedent or direct-descendent, direct in-law, adoptive parent or adopted child; or

c) a sibling residing in the same dwelling.

 no penalty shall be imposed on the person who is related in such a way. 

(5) (Added on 6/12/2006 - By Article 11 of the Law no. 5560) The provisions of effective remorse in respect of offences against property in this code shall be applicable to acts which falls within the scope of paragraph one.