You may consider yourself to be someone who would never commit any type of crime, white-collar or otherwise. That said, you may have already committed credit card fraud while enjoying your life in Colorado.
With help from HuffPost, you have a better understanding of how people unknowingly commit credit card fraud. Learn how you can stay on the right side of the law in your day-to-day life.
Using a fake credit card number for free online trials
Say there is a service or product you would like to use, but you do not want to risk an actual credit card charge. You may know how to get ahold of a fake credit card number, but should you use it? The answer is “no.” Whether you enjoy the product or service is debatable, but what is certain is you risk legal prosecution by using a fake credit card number.
Using another person’s card
Be sure you have express permission before using another person’s card, even if you feel positive that person will not take issue with you doing so. Examples of using someone else’s card include signing someone else’s credit card slip and entering someone’s credit card number.
Disputing credit card charges you know are accurate
Maybe you buy something online with your credit card and later regret your purchase. You call your credit card issuer and dispute the charge to (hopefully) have the money put back on your card. You may decide to keep your purchase, and the credit card company may decide to chargeback the cost. Besides the fraud, you also force the merchant to absorb the cost of your misdeed.
This information is only intended to educate and should not be interpreted as legal advice.