John Wesley Hall

When does using someone else’s credit card get me in trouble?

Sometimes it’s easier to ask a friend to borrow their credit card in a pinch. However, using another person’s credit card on even small purchases can lead to severe consequences. Here’s when it crosses the line.


What counts as credit card fraud

Credit card fraud is a form of identity theft. If you use an individual’s credit or debit card to obtain money, goods or services without the cardholder’s authorization, you can be charged with credit card fraud.

According to Arkansas state law, the unauthorized use of someone’s credit or debit card includes:

  • Stealing a credit or debit card or account number
  • Forging a credit or debit card or account number
  • Using a credit or debit card or account number that has been cancelled or revoked

How credit card fraud penalties are decided

The value of the items purchased or the amount of money stolen will determine the classification of a credit card fraud charge. Credit card fraud may be classified as a class B, C or D felony or a class A misdemeanor. The number of times the offender used a stolen credit card may also make the penalties worse.

Consequences of credit card fraud

The penalties for committing credit card fraud will vary depending on the classification of your charge:

  • Class B felony—Offenders could face between five and 20 years in prison and fines of up to $15,000.
  • Class C felony —Offenders could face between three and 10 years in prison and fines of up to $10,000.
  • Class D felony— Offenders could face up to six years in prison and fines of up to $10,000.
  • Class A misdemeanor— Offenders could face up to one year in prison and fines of up to $2,500.

If you face credit card fraud charges, it’s critical that you seek legal assistance as soon as possible. A knowledgeable attorney can help you handle your case from beginning to end.

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