Friend using my credit card.

This business startup was a rash move by the sound of it. In deep trouble almost immediately, and 6 months in, cannot makes ends meet nor service a debt. I hope it wasn’t based on selling essential oils for some MLM.

Same. You should have prioritised paying for food/your friend back in full rather than go on holiday. That seems common sense.

Not necessarily, if friend phoned the company and paid by card, its the same as being in a store.
As long as she has the information. I pay Virginmedia.ie monthly on their automatic payment system, never received a security link. Same with oil company.

The scenario put forward by the OP was that their credit card was used to pay someone else’s phone bill. The card used was therefore not registered to that person and not the card that person usually used. That would trigger OTP I believe. There are many insecure sites out there that won’t check anything but reputable phone companies are generally as secure as you would expect.

Shrug.

I posted the link. You work it out.

Maybe i should not be quite so pedantic as it’s impossible to be sure of every single scenario. But using someone else’s credit card should flag up on any banking system and additional security triggered. It’s a card obviously not registered to the person paying the bill. A very easy situation for the system to check for and trigger OTP.

That can't possibly be true

How is my bank going to make every retailer in the whole world ask for a code? I can literally buy from any business anywhere.

Amazon doesn't ask for 2FA for every transaction for example

If you aren't getting 2FA then you aren't protected from fraud. The bank will claim any transaction must have been you (and you can't disprove it).

How you raise it with your bank is a matter for you and their customer service, I would have thought

Where do I report my bank to from not doing that then?

Frankly you're talking nonsense, not every bank asks for an OTP for every online transaction

In fact this morning I've paid for something on line and all I had to input were my card details and name, not even my address

Bank details or card details? If the former you need a new bank. Actually even with card details.

Payments from mine need me to authorise them. And why would your friend have your card details from a shared holiday?

This story makes no sense.

Whether or not you owe her money, her using your card details is theft and would be seen as such by your card company. Contact them immediately and freeze the card and have them send a new one out with a new PIN.
I get that you owe her some money but that is outrageous behaviour.
In the meantime, keep a record of every penny paid back, with dates. Get this person off your back as what she has done is not ok.

I don’t even give my DH my card to pay contactless so there’s no way a friend would have my card details. You were naive to give all the details from your card to anyone. Order a new card, lesson learned the hard way.

I think OP made a error from debit to credit, as she had a balance of 80 on it.

I never received a code when paying directly to the company, ie payment on a phone call automated system, or buying oil.
I agree, that she should be your first priority over a food shop, I'd have transferred 50, used 30 for essentials.

Cancel the card.
Continue to pay back the money as agreed.

You should do if its a different card from normal.

All UK banks should be insisting on Strong Customer Authentication (SCA) for online transactions. This will require some form of 2FA.

For OPs friend to have used the OPs credit card means the OP has broken their contract over the account usage and therefore liable for fraud - which the bank will need reported to the police to investigate.

https://www.fca.org.uk/firms/strong-customer-authentication

This sounds messy me.
It doesn’t sound like your friend could afford the money she gave you for your business if she’s just paid her phone bill using your account details. Either that or she’s unhappy with the situation in some way but she has crossed a line. She can’t hold the fact she lent you money as meaning she can do anything she likes.
Her using your card details is fraud. Up to you what you make of that. But I wouldn’t be happy with that at all. Get a new card.
You need to sort out your own financial situation as it’s not sustainable. If your DD is 6 she likely goes to school and I’d try find a job that means a regular income within those hours if possible. Any new business stuff is for evenings.
good luck.

True

unless op has reached her limit on card. Esp if only has say 200 on it

tho again with credit cards it takes usually a day or two to reach account maximum so sounds like a debit card

puzzled tbh

Even if this is true - I just struggle to understand why she had all of your card details, I have paid for holidays with friends and shared presents and all sorts and have never not once given away the security details of my account - then the solution is boring and simple

Get your card replaced immediately
Keep paying your friend back
Probably accept the friendship is compromised
Get on with your life.

It's theft.
Cancel your card.
Never, ever trust her again.

what I don't understand is how her credit card was declined due to no money on the account, that's not how credit cards work. To me that would be a debit card.

Agreed. I often don't get MFA if it is something standard and dull like a phone bill.

Presumably all money goes into a pot, and as such 'her' money has gone on their child and keeping them housed and fed. Has the dad kicked in more to help over the period the child has been ill and mum couldn't earn? Or offered to look after said child so mum could work? Am guessing not