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As long as there is no court order in place that restricts her access or rights to the child, then it is not technically illegal for her to take the child. However, you can file an emergency petition with the local family law court and ask for an order grating you temporary custody......and if the judge grants that, you would have the right to recover the child and hold her in contempt if she failed or refused to return the child.
As for the credit card charges, if she's' using your card without your permission, you could report it to the credit card companies and you could also possibly file criminal charges against her.