Credit and Debit Card Crimes, Financial Transaction Devices
Under Michigan criminal laws, credit cards and debit cards are referred to financial transaction devices (FTD) which may also include gift cards or rebate cards! In Michigan, you can be charged with a felony for improperly using your own credit/debit card or if you possess/use the credit/debit card of another person without consent.
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 |
In some cases, a person may have lawful possession of another’s credit card because of a prior relationship or consent of the other party. This information can be used as a defense or may be enough to weaken the case. As always, it is important to consult with an attorney when accused of any crime because the police will try to corner the accused and negate any consent or viable defense.
Contact the ABDO LAW FIRM if you contacted by the police or are charged with a criminal offense, including any misdemeanor or felony credit card crime. We take great care early in your case to determine possible defenses and the best course of action which may include a plea bargain which gains a dismissal pursuant to special provisions of Michigan Law such as MCL 771.1 or HYTA. Phone: 586-412-5555
