The crime u committed is one involving moral turpitude. but 212(a)(2)(A)(ii) saved u becaues the maxmium sentence is less than a year (On assumption that U committed the crime of credit card fraud, a misdemeanor (1st degree) but final disposition is Misdemeanor, 2nd degree).
Therefore, u were still admissible.
U do need a good attorney in order to staight things out for u. DAOs, if they want to deny u, the past criminal history is their favorable weapon. If ur attorney prepared the case well and educated the DAO adjudicating ur case about section 212, u might be fine.
In any case, applying 485 could be done and there was highly unlikely any risk of being deported by answering YES to the "arrest, conviction " question on 485 (on assumption that u were never put in any kind of removal proceedings).
Waiver is just another option to secure ur AOS.
U MUST get an original copy of final disposition from the criminal court tried u in case of a RFE or interview.
Original copy must be ted.