Friend using my credit card.

2k is a lot of money but not a lot to start a business. Is it a MLM business and is your friend involved too (i.e. above you in the pyramid)?

I feel a bit sorry for the friend. But if you told her you’d pay her and she was reliant on that money to pay her phone bill and you let her down, again. That means her bill would be paid late, adversely affecting her credit.
I presume you couldn’t get a loan/ overdraft to start your business and that’s why your friend helped you. She should have drawn up a repayment agreement but likely thought you were reliable. It’s very stressful relying on people for money and they are not reliable.
Cancel your card, pay the friend back asap.

Maybe her phone would’ve been cut off and she needs it for her life? You seem to be flaky and non- apologetic over paying her back.
Having a friend owe you money when you have none is horrible, and really really stressful.

Because the title says a credit card was used.

How on earth did she have your credit card details?

One of them committed fraud and one of them is OP. They’re not the same ffs.

I really think you need to get yourself a proper job. You’re borrowing money you can’t pay back on time and living off your credit card. Your poor kid!

Depends on the bank. I only get authentications for new or strange purchases. If the friend had used the card before on a website OP uses, then the bank may not flag the transaction as strange.

I don’t have notifications for every purchase as that would be annoying.

Yes it’s fraud. But for goodness sake take out a loan and pay her back.

Your friend was generous to lend you a large amount of money. I can totally understand why she was driven to use your card, since you have not attempted to repay the debt and her kindness.

Get your act together and start to pay her back, but cancel your card.

Stick to the adage: Never a lender or a borrower be......

Don’t report her. Just cancel the card, say you can’t find it. It could be in the house but you aren’t sure. Pay your friend back on time every month. This debt should be your financial priority. Don’t mix friendship with money in future.

How has she used your card details, it doesn’t make sense. My stored card details only show the bank and the last four digits. I then get a text or have to Face ID to approve the payment.

why do you think you can pay her back late.

So basically you have a payment plan with her to send £100 a month and were a day late? Not great but not the end of the world.

She then fraudulently uses your bank details to spend more than the agreed monthly amount? I think that's a police matter.

Interesting in what way? I have a number of friends bank account details on message chains. I'm guessing thats how most people give their info to friends when sorting out paying for joint things. Unless you write them on a piece of paper or dicate them for someone else to write down and the paper is destroyed isnt it quite normal to still have access to the information?

Where is everyone getting that a credit card was used?

The OP says card, when I use my debit card online I hardly ever have to go through 2FA and that's with a major high street bank.

I'm more surprised that people pay their home bill monthly, I didnt know you could do that, off topic but I assume that would be more expensive than a monthly deal.

Make sure you cancel the card, but also make sure your bank removes the details from any connected devices. Because they can still use the card if they have it set up in a wallet somewhere

This is none of your business, but obviously a business loan is used to establish or support a business, a business generates income, income benefits the children.

Even if you do owe here money, a significant amount, in actual fact, it's completely wrong, and illegal, for her to commit fraud in order to pay a bill. What if you needed something really vital like a prescription or something? Change your card, quickly, and start paying her back the 1300 quid.

OP you and your friend both need to strengthen your financial skills, and fast.

You are both at risk for different reasons. Skill up, especially if you want your business to be successful, there are free online courses.

Technically, she should just keep reminding you until you pay up. Beyond that she should not be doing anything. She was foolish to lend you the money and you were foolish to borrow it. Never and lender nor a borrower be. Cancel your card and never give your details again.

What she did was theft at best and very likely fraud.

She's no friend.

Turf in your card, get a new one and get a better friend.

Make a payment plan and pay her back.

They don’t always come through.
I have a reputable CC from a major bank & I always get asked to verify my details via OTP. I was recently cloned very badly, and it turns out the bank sent a OTP to my phone - except it didn’t send from their system & they could see this on review after. And so somehow the payment was processed anyway. And they toasted my CC. I wouldn’t have believed this was a thing until last month either. But just to say even the OTP thing isn’t perfect.

My thoughts exactly. Should have gotten the Money from her dad. It's so hard to get people to pay what they borrowed

Oof. This is why we NEVER EVER borrow money from friends or family. The only exception is if you are destitute and about to be homeless and starving and even then try everything else first.

Obviously, tell the bank to replace the card. Can you borrow the money from a legitimate source just to give her back what you owe her and then phase her out of your life? This friendship will never be right again.

And never borrow money from a friend again, lesson learned I hope.

This