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Orlando Criminal Attorney > Blog > Criminal Defense > How To Avoid Accidental Credit Card Fraud

How To Avoid Accidental Credit Card Fraud

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Losses due to credit card fraud reached $28.65 billion around the world in 2019, and the United States accounted for over one-third of that. When hearing of credit card fraud, you may imagine a thief stealing someone’s physical card, or a hacker that deceptively obtains data such as someone’s credit card number and uses it to order items online.

However, credit card fraud is not always so obvious and sometimes, a person may face criminal charges even when they did not intend to commit fraud. To ensure you are not charged with credit card fraud, avoid the three seemingly innocent practices outlined below.

Fighting Charges on Your Statement

Of course, it is important to call the credit card company if charges appear on your statement that you do not think are yours. However, it is essential that you carefully examine the dates and times of the charges in question, and that you read the name of the company very carefully to determine if it sounds familiar. Merchants and retailers often use different names on receipts and credit card statements and there is a chance that the questionable charges are actually yours. If you are constantly debating charges on your statement,  the creditor may accuse you of credit card fraud.

Being Dishonest on Credit Card Applications

It is important to make sure you are always completely honest on credit card applications, particularly when filling out your income. Do not guess and never exaggerate just so you can obtain a credit card. In the eyes of the law, that is credit card fraud and you will face criminal penalties such as fines, jail time, and probation if you are convicted of the offense.

Signing Someone Else’s Receipt

You may not think there is any harm in signing a friend’s credit card receipt after they treated you to a nice dinner and stepped away to take a phone call. Your friend may have even told you just to sign it when the check comes. This is one of the most blatant types of credit card fraud and you can face harsh penalties for it. This is particularly true if your friend disputes the charges on the statement, even if they simply forgot they had asked you to sign it. If there is an investigation and it is found that you signed a credit card that was not in your name, you are legally responsible for that action, not your friend. Never sign for anyone else’s credit card, no matter what.

Our Criminal Defense Lawyers in Florida Can Help with Your Charges

If you have been charged with credit card fraud, or any other criminal offense, our Orlando criminal defense lawyers are here to help. At O’Mara Law Group, our seasoned attorneys know how to build a strong defense for your case that will give you the best chance of retaining your freedom. Call us today at 407-634-6604 or fill out our online form to schedule a consultation so we can review your case.

Resource:

cnbc.com/video/2021/01/27/why-credit-card-fraud-hasnt-stopped-in-the-us.html

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