Understanding Credit Card Fraud and Your Rights in Minnesota Credit card fraud is a pervasive issue that can strike anyone, anywhere – including right here in Minnesota. While the convenience of plastic is undeniable, the lurking threat of unauthorized charges can quickly turn a normal day into a stressful ordeal. For consumers in Minnesota, understanding your legal rights and the steps to take immediately after discovering fraud is paramount to protecting your financial well-being. This article will cut straight to the legal heart of the matter, providing actionable advice to navigate this challenging situation. What Constitutes Credit Card Fraud? At its core, credit card fraud involves the unauthorized use of your credit card or its information to make purchases or transactions. This can manifest in various ways: 💳 Physical Card Theft: Your actual card is stolen and used. 💻 Skimming: Devices illegally capture your card information at ATMs, gas pumps, or point-of-sal...