Civil Statute of Limitations
A civil suit for fraudulent concealment must be filed within five years of the date the fraud was discovered on the credit card.
Criminal Statute of Limitations
The State of Illinois must bring a charge for fraud, if that fraud rises to the level of a felony, within three years of the date on which the fraud occurred. If the fraud only rises to the level of a misdemeanor, the state has six months from the date the fraud occurred to file charges.