What is the name of your state (only U.S. law)? This took place between Kentucky and Ohio. The credit card was taken and used in Kentucky to pay for utility and phone bill for a person in Ohio. The thief has been given the option of repaying this to me, I gave her the option. She wrote me a check, it bounced and then she paid me in cash. What are my options? Can I still press charges since she paid me back? If so what is the time limit?