I 'm asking cuz a friend (over 18) has a joint credit card with her mom (cuz after she got laid off, she needed to rebuild her credit history). Anyway, she never used the card, except this once &she only did it cuz she didn’t have the cash on her at the time. But before she could mail in the payment, her parents saw the transaction history online & confronted her, threatening to send her to jail for using “their” card. So in the heat of the moment, she got scared & lied & said she never used it, that she didn’t even have the card anymore. She's sent in the full payment, but she can’t tell that to her parents (since she denied using the card)
The facts are this:
1.) The credit card was/is a joint account, with 2 cards. 1 card is in the name of my friend, the other card is in the name of her mom
2.) She’s made full payment for the item purchased
Now, if the parents report the card as stolen/misused, can my friend be arrested and/or prosecuted for credit card fraud or theft??
I need to add:
There is no balance on this card because my friend has already sent in FULL payment for her portion
Secondly, the card is a joint account with her mom. There is no primary cardholder. It is a joint account, NOT a primary account with my friend as an additional cardholder
The two cardholders on the account are my mom and her friend.
Most importantly, she SENT IN FULL PAYMENT for what she charged.
I also needed to say that since she denied using the card, her parents are planning to report the card as stolen.
If they do can she be traced and arrested/prosecuted??
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\\ tags: amp, Article Directory, Cardholder, cardholders, cards, Credit Card Fraud, credit card theft, Credit Fraud, Credit History, Credit Report, dad, heat of the moment, mom cuz, parents, Rebuild Credit, Stocking Stuffers, transaction history
