I've been unemployed for a while now, and my credit cards are now maxed out. I used them for both cash advances and regular purchases. Up until very recently I have made all payments and have not been in arrears. But I missed my first payment on a card about two weeks ago, and the credit card company called me and said after review of my account activity unless I make a payment then it's considered fraud. Is this true? Can I be charged with fraud for using a credit card I lawfully obtained?