The specifics of many crimes involving fraud can be confusing, and it is understandable that you may be wondering if it is possible to be found guilty of unintentional credit card fraud. While acts of intentional credit card fraud are generally well-known and understood, other credit card uses may still get you in trouble. Even if you have no intention to steal or defraud someone, there are numerous ways that you could find yourself facing an accusation of fraud for using a credit card.
Credit card companies are often very helpful when they receive a report that a customer’s card was used without their permission. If you are a victim of someone stealing your card and using it to buy things, your credit card company will likely remove the charges from your account without much hassle. However, if you have legitimate charges on your account that you seek to have removed by claiming that they are unwarranted, you may be committing what is called “friendly fraud.”
You can also commit friendly fraud by accidentally reporting a charge as fraudulent after the following:
- Not recognizing a charge due to its name on your transaction history
- Not recalling a charge, especially if it takes a long time for it to be processed and show up on your account history
- Not noticing that a charge was legitimately made by a person whom you allowed to borrow or use your credit card
Violation Of Your Credit Card Companies’ Terms
- Lying on your credit card application. Many times people exaggerate their income on their application to get a higher limit on a new credit card. You can be facing criminal charges for this especially if you default on your payments.
Unintentional Credit Card Fraud Can Result In Serious Legal Issues
While theft of a credit card is widely understood to be a serious crime, maybe people fail to understand how serious credit card fraud can be. Even for credit card fraud that results from unintentional violations, you face criminal charges or civil action from your credit card company. Successfully defending yourself from an accusation of credit card fraud can help you avoid large fines, limitations to your future credit, and even jail time.
Hessler Law has years of experience defending people against serious charges, and we can help clear your name if you are accused of credit card fraud. Contact our office to speak with a skilled defense attorney about your case.