(Closed) What happens

posted 10 years ago in Money
Post # 19
Member
5889 posts
Bee Keeper
  • Wedding: May 2012

the charges ARE fraudulent if she isn’t on the account.

Post # 20
Member
3373 posts
Sugar bee
  • Wedding: October 2011

uhoh she wasn’t on his credit card accounts?? This is bad news!

Would you mind telling us how much she charged? How did she know what his credit limit was? There could be fees if she went over.

Post # 21
Member
3373 posts
Sugar bee
  • Wedding: October 2011

Yeah they call within the hour. I have Chase and Capital one cards and they both call or text me quickly. Unfortunately this is ALWAYS happening to me!!! Luckily they actually did catch it when a thief stole my numbers last month.

Post # 23
Member
10361 posts
Sugar Beekeeper
  • Wedding: September 2010

Eek. I would be really mad if my husband had done that when we were engaged. But, we also both have credit cards, so it would never have been an issue. Regardless, I think it was a poor choice on her part to use someone else’s credit card without their permission/knowledge!

Also, it’s not as though he can’t see the purchase online when he checks on the credit card bill. And won’t he notice that he magically has an activated card that he never opened/activated?

Post # 24
Member
2090 posts
Buzzing bee
  • Wedding: August 2010

Um, what she did WAS fraudulent. You don’t just get to activate other’s people’s credit cards and charge trips to them, regardless of whether you are going to pay it off or not. If I were him, extremely pissed would be putting it mildly. I wouldn’t trust someone who did that.

The credit card company might call and they might not. I have one credit card that alerts me if I spend $1 out of state, and another that has never alerted me/denied my out of state or large purchase.

Post # 25
Member
3125 posts
Sugar bee
  • Wedding: December 2017

No helpful advice really. I would probably advise her to cancel it and open a card herself is she really wants. I would KILL my Fiance if he used my CC without my knowledge. Seriously, if he did something like this and I found out I would call off the wedding. Money is a HUGE deal and going behind my back, using my card (even if the intent was good) would destroy our relationship. We share an account now and always ask each other about big purchases. I even ask him before I take a big sum out to pay wedding vendors or whatever.

Post # 26
Member
645 posts
Busy bee
  • Wedding: October 2011

They’ll probably call him to confirm the charge. Why didn’t she route it through her parents card? Even though it’s for a good cause and I’d be paying for it, my Fiance would be furious if I did that to him.

Post # 27
Member
2066 posts
Buzzing bee

She needs to tell her Fiance what she did ASAP.  Using someone else’s credit card with out authorization or permission is illegal.  And if I were her Fiance, I’d be furious. 

This is not a healthy way to start out a marriage.

Post # 28
Member
441 posts
Helper bee

The bank usually calls soon after the charge is made, or a notice is put up on the online account associated with the card. Opening someone else’s mail is a federal offense I believe, and activating someone else’s card and charging an expensive trip is definitely fraudulent, even if she meant well. I think telling her to cancel the charge is the best idea. She can get a CC in her own name, book the trip, surprise her Fiance, and build credit at the same time. She should probably also tell her Fiance she activated the card so he’s aware of it and won’t get any nasty surprises later (like if the bank cancels his card due to disuse, and it impacts his credit score).

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