The issuer only authorized the person who got approved for the card to access its credit line. So even using someone else’s card with permission is a violation of that card’s terms. A perfectly legal way to use someone else’s credit card with permission is to ask the card’s owner to add you as an authorized user.

What happens when you make someone an authorized user on your credit card?

When you add an authorized user to your credit card account, information from the account — like the credit limit, payment history and card balance — can show up on that person’s credit reports. That means their credit can improve as a result of being added to a credit account you keep in good standing.

Can You give your credit card to a relative?

Loading… Yes, you can give your credit card to someone else to use, even if they are not an “authorized user” with the credit card company, and whether or not they are a relative. Be aware, your credit card agreement states that any charges made by another person with your permission are entirely your responsibility to pay.

Can a friend or family member use your credit card?

In that case, the friend or family member is considered an authorized user — and you’re on the hook for the charges. Nearly half of the individuals polled by CreditCards.com said that they were comfortable with an immediate family member charging more than $100 on a borrowed card.

Can a friend or relative use my debit card?

The bank may also reserve the right to cancel your account. If you want to let a friend or relative use your debit card without violating your card agreement, you can add that person to your account as an authorized user.

Can you give someone permission to use your credit card?

In some cases, you can give someone, such as a relative or friend, authorization to use your credit card account. You may also have to write a signed note authorizing the person.