You may feel that you have no desire to take to the streets of Georgia in search of criminal opportunities, but that does not necessarily mean you have not engaged in criminal activity. Maybe you accidentally committed credit card fraud in the past.
HuffPost explores a few ways in which consumers step to the wrong side of the law through credit card fraud. Use these insights to stay out of the legal hot seat.
Using fake credit card numbers for free trials
Plenty of services offer free trials, but you often have to give up your credit card number first. To avoid forgetting to cancel your subscription before the trial period ends and the card charge begins, you may enter a bogus credit card number obtained from a site that offers such a service. The biggest risk here is unintentionally using a stolen credit card number. Plus, you could infringe on the company’s terms and conditions, which may have legal ramifications.
Using someone else’s card
Say that a friend gives you express permission to shop with her or his card or sign a credit card slip. Even though you have your friend’s permission, you do not have the credit card company’s authorization. If something goes wrong with your purchase and you want to dispute the charges, your friend does not have that option, because of the violation of the credit card company’s terms.
Pushing back on your own charges
Maybe you have a habit of shopping online after having a few drinks. If so, you could dispute charges you do not remember making, resulting in a refund while you keep whatever item you ordered. Double-check merchant names you do not recognize on your card statements, so you do not risk a criminal charge.
This information is only intended to educate and should not be interpreted as legal advice.