Which scenario makes credit card use a felony?

• A. when the suspect fraudulently uses someone else’s card within a six-month period three times or more or charges $100 or more
• B. when the cardholder forgets to sign back
• C. using a card for a small purchase under $10
• D. when the card is used after the cardholder's death

Answer: (A)

In Florida, fraudulent use of a credit card becomes a felony when the pattern or amount shows a serious level of intent to defraud. Specifically, if someone fraudulently uses another person’s card three or more times within six months, or charges $100 or more, that behavior meets the felony threshold. This reflects that repeated misuse or a higher single amount indicates a more substantial criminal act than a single minor incident.

The other scenarios don’t meet that threshold: a cardholder forgetting to sign back is a minor issue and not fraud by itself; a tiny purchase under $10 is far below the amount threshold; and using a card after the cardholder’s death is illegal but isn’t described here as meeting the defined felony pattern or amount.