Daughter Confronts Her Mom For Using Her Credit Card Without Her Permission, Gets Told Off That She's Overreacting

Her mom bought a skincare product without her knowledge.

May

• Published in Interesting
• August 10, 2023

Should you let family members borrow your credit card? Of 10 people, six would be open to the idea of letting their immediate family members borrow their credit cards.

There are even a small number of people who'd be willing to trust their friends. But is this really practical for one's finances?

According to senior industry analyst Matt Schulz, there's a one in three chance of experiencing negative consequences. The online credit card marketplace estimates that around 36 million people have faced issues when they let someone else use their credit card.

Some spent more money than intended, others didn't get their money back, and some lost their cards. Just by looking at the numbers, you can already see how much of a bad idea it is.

And if you're still on the fence, just wait until you hear this next story. A woman told the "Am I The A**hole?" (AITA) community that she gave her mom her credit card to buy food for her and her sister.

While reviewing her online banking transactions, she came across a charge for a skincare product. The original poster (OP) confirmed her suspicion.

The purchase was indeed made by her mom after confronting her about it. She told her mom not to use it without her permission, but the lady got angry at the OP, saying things like she raised her and that she was overreacting.

Afterward, the OP wonders if she indeed overreacted.

The OP asked to be judged by an online community after her mom used her card without consent.

She discovered that her credit card has a purchase she didn't do, and found out that her mom bought an item without telling her.

This mother is fully aware that she's doing something shady.

This mother has too many "one-time things." She needs to stop.

This is an excellent suggestion for when the OP wants to go the petty route.

What her mom is doing is a massive red flag. She could be messing up the OP's finances with her "one-time things."

The OP needs to recognize that her mom is trying to reverse the blame.

The OP can count this as a birthday present.

But there will be no more next time. The mom has already broken her trust.

The OP is an earning adult. Her mom isn't entitled to her money.

At least the OP didn't press charges against her mom for committing a crime.

The OP needs to know that she's not overreacting. She did the right thing by warning her mom not to use her credit card the way that she did.

The OP can consider the whole affair as a learning experience. She can't trust her mom to handle her credit card.

Otherwise, she'll eventually find herself with messed up finances, just as Schulz has mentioned.

Setting financial boundaries with family members is important for managing her expenses. For extra security, she might want to get notifications for her credit card transactions and secure the data on her card.

May