CreditCards.com recently posted an article discussing ways to avoid allegations of credit card fraud when using a romantic partner's credit card with permission. The article includes good advice from Attorney Goldstein on ways you can protect yourself from these kinds of allegations.
An excerpt from the article:
How to keep from being charged with credit card fraud
The easiest way to avoid being charged with credit card fraud is to keep your finances simple and separate from anyone else’s, with the exception of a trusted spouse.
If you need to use someone’s credit card, be careful. Goldstein says, “If it’s the occasional small purchase in an ongoing relationship, you probably do not have a lot to worry about.”
For more than occasional use, consider asking the person to add you as an authorized user.
“If you’re going to be making large purchases, it never hurts to document that you have permission upfront,” says Goldstein. “I don’t mean you need a formal, signed contract. You could shoot your girlfriend a text message that you’re about to use the card to purchase the treadmill for $1,000 and make sure it’s OK. Take a screenshot, and save it to a cloud-based email system.”
Written permission is your best protection against misunderstandings and accusations later on.
Click below to read the article: