If Someone Uses A Joint Account Credit Card & Pays it Can They Be Arrested/Prosecuted?? I 'm asking cuz a friend (over 18) has a joint

I 'm asking cuz a friend (over 18) has a joint credit card beside her mom (cuz after she got laid off, she needed to renovate her credit history). Anyway, she never used the card, except this once &she only did it cuz she didn��t have the bread on her at the time. But before she could mail within the payment, her parents saw the transaction history online & confronted her, threatening to send her to lock up for using ��their�� card. So in the heat of the moment, she get scared & lied & said she never used it, that she didn��t even have the card anymore. She's sent within the full payment, but she can��t tell that to her parents (since she denied using the card)
The facts are this:
1.) The credit card was/is a common account, with 2 cards. 1 card is surrounded by the name of my friend, the other card is in the designation of her mom
2.) She��s made full payment for the item purchased
If the parents report the card as stolen/misused, can my friend be arrested and/or prosecuted for credit card fraud or theft??

Why would she lie about using the card if she needed to and be repaying it? Being a joint card, she didn't steal the card or forge anyone else's name so it's not improper. Her Mom will probably (and should) cancel the card. I would... if my kid lied to me about not using it when the truth is they did. What she did be ethically wrong, not legally wrong. She should have asked up front or at lowest owned up to it ... and surely the Mom would have been okay beside it.

if her name is on the account, later legally she can use it. maybe it be part of their personal deal to support her build her credit by adding her that she not use it. but if shes listed as an authorized user... afterwards she has just as much right to use it as they do.

Well, since it was a integrated account I don't think she can be in motion to jail. And the credit card companies don't care if children deceit to their parents or not. They care about their cards and their money and the vendor. Not really about personal family issues...

With that contained by mind, really YOUR friend should tell them that she lied about the card because she get scared from her parents. That basically they terrified her and she felt that she had to falsehood because THEY got mad at her...and apologize to them

I deem she'll be surprised as to their response. It shouldn't be that bad. Unless of course the money she spent be for something illegal or something she seriously didn't want her parents to find out about..GL

If the card was a reciprocated account, then the parents are the ones that entail the lesson. No your friend can not be arrested, however the item that they purchased will have to be returned or paid by other technique. A joint account routine that either party may use that details without permission from the other card holder. It is a risky endeavour to have a joint side with someone. But if you can't trust your own parents.
Tell your friend to come clean. Tell the parents, yes I used the card. I'm sorry I lied, but it is a reciprocal account and I only used it once. If you can't pedal the fact of a joint report card, then stick it up yours!

Answer:
Because her designation is on the account as a joint justification holder/authorized uesr, she cannot go to jail for using the card. She also rewarded the balance in full, so at hand will be no problems with default. It would be within her best interest to close this account if her parents are that controlling, and obtain an justification in her name lone.

i suggest not as the account has her cross on it as well, but she has to remember that, as her designation is on the account and if her mother doesn't not pay she is liable for the payments, so to be on the locked side she should get her name removed from the depiction

I don't ruminate the parents could have prosecuted...they are the primary cardholders therefore they give permission to the credit card company to issue the second card. The parents would be responsible of the charges as far as I know.

Your friend can't be prosecuted. It's a joint acct. therefore the primary (her mother) and minor (your friend) are equally responsible for the acct. Her mother can do 1 of 2 things - 1)cancel the acct. thereby forcing your friend to get her own card or 2) have a non responsible message sent and sign it along with your friend stating that your friend will take over the acct. thereby relieving her mother of any financial responsibility. Oh and if her father isn't on the acct. he doesn't enjoy a right to say anything.

If her name is on the article, she can't be arrested or prosecuted for using it. It's between her and her parents - if they had an agreement she wouldn't use it, then she's answerable to them, not to the endorsed authorities.