Using partner/spouses debit/credit card.

[Triangulation]

Morning,

would you use your spouses/partners credit or debit card without asking first?

If I'd left my purse at work, needed milk for my morning coffee and DH wasn't awake yet, yes I'd take his debit card for a quick run to the shop down the road.
Anything more than that, no, not without asking.

Yeah but our money is all joint so it wouldn't matter whose card I used.

No.

On a joint account yes if mine wasn't to hand.

On a sole account no because it would be fraudulent use.

No and I'd be really annoyed if DH used mine

Same here. I don't ask permission to buy stuff with our joint money though obviously we'd discuss any major purchases.

Yes because it all comes out of the same account anyway

Same here

My DH uses my debit card when we need cash, he usually asks, but I have access to all our bank accounts online, my DH doesn’t want to know and leaves it all up to me.

No but we don't have king accounts. I wouldn't touch it without asking

Joint not king!!

No and he would not use mine - there would have to be a really rare combination of circumstances to make the need for that a possibility for us. We each have our own accounts plus a joint account for household bills which we don’t use for random purchases.

I rarely use it but tell DH straight afterwards or before, if it is planned. I really got a card on his account to pay for car bills.

depends what you mean by "partner" - spouse shouldn't be an issue, should it. Boyfriend you have known for a year and don't live with, obviously not.

Depends what you mean by "use" - quick grocery shop, eg milk and bread - maybe. New car, obviously not

Too many variables that you haven’t fleshed out… do you have a joint account? Do you live together? Have you known them for X amount of years. Etc…

Yes if I couldn’t find mine but I’d tell him after and transfer it back….or use the joint account and transfer it back if it was something just for me.

If I had to and he wasn’t around, then yes. I’d explain afterwards though.

No. Our accounts are joint but neither of us knows the others PIN number and never needed to. We have card details on Apple Pay if no purse or wallet. It is against bank's terms and conditions to allow others to use their cards even spouses.

Yes.

Yes, ours is a joint account so it really doesn't matter

Yes. We have a joint card so we can do this.

No but I have no access to it anyway. I feel that unless it's a joint account you shouldn't

Only if I had to and didn't have my cards for some reason - I'd feel really weird taking his card without checking though, even though we have a joint account, so it's my money too and he wouldn't care. Funnily enough, I do occasionally take cash out his wallet without checking (and he's done the same to me) if we're going somewhere that only takes cash.

Yes in a time-critical emergency if all three of my own cards were unusable for some bizarre reason.

Eg teen stranded and I need to get them an Uber, need to pay an emergency plumber - that sort of thing. Or if we had no milk in the house: not being able to have a cup of tea is definitely an emergency.

If I really needed to but all money is joint so no biggie. I’d always ask if possible though, as a matter of courtesy.