Thank you for the opportunity to assist you.
Q) Is he looking at time?
Possibly. The maximum penalty for the scenario you've described is up to 1 year in jail and/or up to $1,000 in fines.
The credit card fraud statute in Florida is fairly broad and doesn't require the use of an actual card. Someone can commit credit card fraud by giving the credit card numbers over the phone.
The prosecutor has to show that your cousin intended to get something of value by using a credit card he knew was forged or stolen, or was someone else's credit card that he wasn't allowed to use. It will probably be difficult for him to explain why he was legitimately using a stolen credit card.
When your cousin goes to court, the judge will want to know whether he plans to hire an attorney or whether he wants a court appointed attorney. Either way, your cousin should NOT talk to the police or make any statements to anyone about the case until he speaks to his attorney and gets legal advice. The attorney in FL will help him to present his best case in court, and may be able to work out a favorable plea bargain if it appears the state has enough evidence to convict him.
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Best wishes to you,