BAD AND BOUGIE!! Top Instagram 'FASHION BLOGGER' Is Arrested . . . The Feds Say . . . That She Was Running An ELABORATE CREDIT CARD FRAUD Ring!!

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A top Instagram blogger was just arrested and charged with running an elaborate credit card scheme.

Federal agents say that 30-year-old Shaniqua Jordan stole a woman's identity and ran up $37,000 in fraudulent charges last week.

The feds gave an inventory on the alleged stolen purchases - and they say she bought a $18,000 Rolex watch.

Well police say that they caught her good. When they found out she was scamming, the Feds asked the Rolex jeweler to ship an empty box instead, which they did. Once the box arrived and Sheniqua signed for it, police said they took her into custody.

Sheniqua has been charged with access device fraud, theft by unlawful taking, receiving stolen property and forgery. She was sent to Bucks County prison on 10 percent of $400,000 bail.