There is a saying that sharing is caring. Still, when it comes to credit cards, the consequences of sharing can be severe. Unraveling the complexities of unauthorized use versus fraudulent intent is essential for anyone facing such charges.
Engaging in credit card fraud is a severe crime
Many people mistakenly believe that using a credit card with verbal permission is legal. This is not always the case.
Most credit card agreements specifically prohibit cardholders from letting others use their cards. Even if the cardholder gives you permission, you could still encounter legal trouble if the bank or credit card company decides to press charges.
In Michigan, using someone else’s credit card without authorization can result in felony charges. The severity of the punishment depends on the amount of money involved and the circumstances surrounding the incident.
A conviction can have significant and lasting impacts on a person’s life
If accused of credit card fraud in Michigan, you might be looking at:
- Fines of up to $10,000
- Prison time ranging up to 15 years
- A permanent criminal record
- Future challenges in securing employment and housing
The law considers intent when determining if an act is fraudulent. If you genuinely believed you had permission to use the card, this could be a crucial part of your defense. Still, proving intent can be challenging and requires a deep understanding of Michigan’s legal system.
Remember, the line between borrowing and fraud often blurs in credit card cases. If you find yourself on the wrong side of this line, do not panic. With proper legal representation, you can work towards minimizing the impact of a fraud charge on your life and future.