I really think you have to look at the situation here. I know when I use my card to buy little things here and there, its easy to forget how much you spent. Now take this dude here, he certainly didn't keep a log of how many times he used it. It adds up pretty quick, next thing you know its 400 bucks. Yes, I know its wrong. Yes, it was an a-hole thing to do to your friend, BUT, it should have first been handled between friends, THEN if nothing could be done, you go to police. Especially since it was just money. Money can always be paid back. He didn't do anything un-fixable. There is a huge difference between taking advantage of your friends kindness, and robbery. Maybe not on paper or legally, but in real life. You would be way more lenient with your friends than with a stranger. I think the dude should pay her back plus interest, and apologize.