In Michigan law, debit cards and credit cards are also called financial transaction devices. This list also includes gift cards or rebate cards. In Michigan, Credit Card and Debit Card Crimes are taken very seriously by all local prosecutors. If you are facing a felony or misdemeanor charge for Creidt Card and Debit Card Crimes, you need to call Shawn now at 616-438-6719. Do not face these serious charges alone!

Penalties for Credit and Debit Card Crimes (FTD = Financial Transaction Device)
Crime Maximum Imprisonment and Fines
Possession of FTD with intent 4 years and/or $5,000.00
Forgery of FTD 4 years and/or $5,000.00
Use of FTD in excess of funds or limits
Under $200
93 days and/or $500 or 3x the value of property
Use of FTD in excess of funds or limits
$200 but less than $1,000
1 year and/or $2,000 or 3x the value of property
Use of FTD in excess of funds or limits
$1,000 but less than $20,000
5 years and/or $10,000 or 3x the value of property


The Amount of Illegally Taken in Multiple Transactions Could Lead To Felony ChargesIn cases involving crimes such as credit card fraud or debit card fraud, the prosecutor may opt to charge separately for each illegal transaction or may opt to pursue a felony charge when the amount of multiple transactions is $1,000.00 or more. Under Michigan law, restitution can be ordered once someone is convicted of this crime.

Credit Card Fraud: Unlawful Possession, Lack of Consent

If a person has possession of a credit card without the consent of the person named on the credit card, prosecutors can file felony charges. Most of the time when this is the case, the credit card was stolen from a house or vehicle.

If the police show up to talk to you about illegal use of a credit card or illegal possession of a credit card, do not talk to them! The police are trained skillfully to use interrogation tactics to get a person to confess to a crime or at least appear to confess to a crime. If the police obtain a confession, that will destroy any defenses you may have. The police may ask you to take a polygraph examination. Do not take one without first talking to a skilled criminal defense attorney like Shawn Haff.

If you are being charged or questioned about illegal use of a credit or debit card, call Shawn today as 616-438-6719. The call is free. Will you be?

Our Criminal Defense Lawyers in West Michigan Proudly Serve: Kent County, Ottawa County, Allegan County, Ionia County, Barry County, Berrien County, Mason County, Manistee County, Mecosta County, Oceana County, Muskegon County, Montcalm County, Newaygo County, Kalamazoo County, Lake County, Van Buren County, and the City of Grand Rapids, Michigan.

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