What is the penalty for credit card fraud in mo ,i need advice on how to get credit card company to work something out other than filing fraud charges on a girlfriend .

Unfortunately, they have every right to file charges. And if she forged your name, used your identity and essentially stole from you, then you should do the right thing too. I understand she's your girlfriend and your trying to protect her from a police record. However, in the theft, identity fraud and forgery she committed three felony crimes. When we make poor decisions, we risk the consequences. If she's never been in trouble before, it would be highly unlikely she would go to jail. She would, however be prosecuted, put on probation and have a permanent police record. The ony way to avoid this is to convince the credit card company not to file charges. However, in trying to do this you not only absolve her of serious crimes but you may implicate yourself as someone who may have allowed the fraud to occur in order not to have to pay bills. Good luck.