Section 14. Presumption and Prima Facie Evidence of Intent to Defraud. —

The mere possession, control or custody of:

1. an access device, without permission of the owner or without any lawful authority;

2. a counterfeit access device;

3. access device fraudulently applied for;

4. any device-making or altering equipment by any person whose business or employment does not lawfully deal with the manufacture, issuance, or distribution of access device;

5. an access device or medium on which an access device is written, not in the ordinary course of the possessor's trade or business; or

6. a genuine access device, not in the name of the possessor, or not in the ordinary course of the possessor's trade or business, shall be prima facie evidence that such device or equipment is intended to be used to defraud.

A cardholder who abandons or surreptitiously leaves the place of employment, business or residence stated in his application for credit card, without informing the credit card company of the place where he could actually be found, if at the time of such abandonment or surreptitious leaving, the outstanding and unpaid balance is past due for at least ninety (90) days and is more than Ten thousand pesos (P10,000.00), shall be prima facie presumed to have used his credit card with intent to defraud.