Many people in Milwaukee would not dream of committing credit card fraud, knowing it simply is not worth the risk or the charges. While true, that does not mean credit card holders do not commit accidental fraud.  

GOBankingRates explores various types of credit card fraud committed unknowingly. Anyone with access to a credit card should know whether a seemingly innocent act could put her or him on law enforcement’s radar.  

Disputing valid charges  

Sometimes, cardholders forget about a purchase they made, or do not recognize the name of the business they made a legitimate sale with. In such situations, the person may call the credit card company to ask for a refund on a product or service she or he actually purchased. Searching online for an unfamiliar business name could solve the mystery.   

Entering false information on a credit card application 

Those filling out a credit card application could succumb to the temptation to “round up” their annual income, mainly because the credit card company does not verify the information. While some exaggerate their income to improve their credit score, doing so is still considered fraud.  

Using the card of someone who has passed away  

According to CreditCard.com, it is not unusual for a person to use a spouse’s or family member’s credit card after that person dies. Doing so is most certainly considered credit card fraud. Such fraud may incur state and federal charges, as well as violate financial fraud statutes.  

Anyone with access to another person’s credit card or credit card information has to use utmost caution while making purchases. Documenting the legal cardholder’s express permission to use the card is a good idea to stay on the right side of the law.