What if a family member used my credit card without permission?
What if a family member used my credit card without permission? In the case of unauthorized use of a credit card by a family member or friend, you'll need to decide whether to try and get the money back directly from that individual or report the charge to your card issuer, which may mean filing a police report.
What happens if a family member uses your credit card?
It doesn't matter whether they're family, a friend, or a complete stranger. Legally, you can only be held liable for $50, as per the Fair Credit Billing Act (FCBA). But all major credit card issuers give you a $0 fraud liability guarantee. So, as long as you report the charges, there shouldn't be any issue.