What to Know if You Used a Family Member’s Credit Card

Say that you know you've made a mistake. For example, maybe you used a family member's credit card and got caught. You may have used the card in various locations or even just one, but now you are faced with some serious consequences.

So, what can you do if you are accused of stealing a credit card and know that you are guilty? You do not have to accept a plea. Here's what you need to know.

What Crime Could You Be Charged With?

There are a few crimes you could be charged with if this person reports the case to the police, but your specific charges may depend on the state you live in. For example, you may be charged with identity theft by using somebody else's credit cards. You may also be charged with fraud and theft.

Identity theft involves pretending to be somebody else, perhaps even for the sake of spending money. You need not set up new accounts to be charged with identity theft, and you need not actually claim that this is your name and identity. Using a card may be enough. 

Can This Be a Felony?

Using somebody else's credit card could be charged as a felony. Again, each state is different. It is important that you understand that the amount of money involved in the process will play a major role. For example, using more of somebody's money could be charged with a felony rather than a misdemeanor. In some states, charging $1,000 or more may be the line.

What Should You Do If You Are Guilty?

If you know that you are guilty, you might wonder if you should be honest about it. Should you make a guilty plea? Your attorney might say no. There are several ways to defend yourself in court, even if you are accused of something you did. You may not be subject to the punishments they claim you are.

What If You Aren't Guilty?

If you are not guilty of the crimes you are accused of, you might figure this will come out in court. You might even think that you do not need a criminal lawyer. The truth? You should not go without a lawyer—no matter the circumstances. You should always protect your rights.

As you can see, you should speak with a criminal lawyer about your circumstances. Regardless of whether you are guilty, you should seek legal counsel.