To think I shouldn't use DH's credit card

[Ilovehamabeads]

Genuinely don't know the answer here, so will be happy to be told I'm wrong..

DH works 50% time at home, and has company credit card which he uses to buy the stationery, printer ink etc that he uses here in his little office.

He's out of ink, and has asked me to go into town to get the cartridges, using his card and pin. I said no, as to me it doesn't seem right, and what if the assistant challenged me - not that anyone ever looks at the name on the card, but it would be just my luck if they did! He's got the hump with me now (it's not the first time I've said no to this type of request).

So, am I being unreasonable, or is it legal and I'm wrong to think I can't use it?

I would have used it but asked him why he is unable to go and get cartridges himself

YABU. I use my husbands cards all the time and he uses mine, I leave mine with my mum if she's taking the kids out too.

YANBU - you could be convicted of fraud. Couldn't you buy with your own card and he can present the receipt and claim expenses from his employer later? My DH works from home too, so we have to do this.

I can't see the problem with it TBH. I have used DH's credit card several times, with his permission of course, and never been challenged. With chip and pin cards no one looks at the signature on the card. It would only be illegal if you were using it without his permission.

We do this all the time!

I used to do the shopping at Sainsburys for my Dad and he would give me his card and PIN. The girl on the checkout questioned it once and said she would have to retain the card as clearly it wasn't mine. She got her supervisor and the supervisor let me do it but told me to get cash out in the future and not to do it again.

Well done the girl on the checkout, she looked a bit upset at having not been supported by her manager and even though I got what I wanted I was sort of on her side.

We use each others cards all the time too.

oh forgot to say YANBU

Flexi it IS illegal even with his permission - credit cards are not transferable!!

i've done it with my boss's (male) company credit card (for business purposes) and never been challenged

DH's credit card lives in my purse. He needed it the other day and had to ask me what the PIN was as he uses it so infrequently he never remembers!

YABU

I would use my husband's card, and he uses mine. We swap a lot and have never been challenged, even when I've mentioned it, or used his card to pay money into the bank. But I would never use his company one, unless he happened to be self-employed.

I would like to get that his company policy doesn't allow you to use the card or to know the PIN.

We do it - our cards have initials and surnames not Mr/Mrs on, so no checkout person is going to know. Plus they are joint cards on the same account so from that point of view it's irrelevant. You aren't supposed to do it though - you aren't supposed to share your PIN with anyone!

But Little, who is being defrauded? The DH is giving permission for the card to be used. The shop are being paid for their goods. Who is the victim of the fraud?

like to bet

I know it's illegal but I do it all the time! We have quite complicated accounts and tax arrangements to do with who finances and pays for the DC and although technically the money needs to come out of two separate accounts in DP's name, in reality I am the person processing the payments. Have only ever once been challenged.

If you know your husband's pin and at some point fraud is committed on his account then they may refuse to investigate. A pin number is personal and giving it to another person is against the rules.

I wouldn't do it, but I know lots of people do, so it's up to you really.

How can he give permission to someone to use the card when it's someone else's money?

You have to consider what you'd do if something went wrong. Say the chip and pin machine wouldn't operate properly and you had to hand the card over and sign for the transaction. I'd feel such a twat having to explain it wasn't my card. Tell him to go down and fetch his own ink.

Could you become a second cardholder on the account? I don't know how business cards differ from personal cards, but perhaps you could look into it.

Oh sorry, I've just read again. I thought it was his own business. I've answered my own question about the second card, just by reading properly

Thanks for the replies!

To the person who asked why he can't do it himself, he's on back to back conference calls all morning, and I am going into town anyway so it's not that I cba to help, I'm just worried that I'll either get myself into trouble, or him into trouble, or maybe both.

I wouldn't do it. Just use cash and get him to put in an expense claim. Or go and get his own cartridges.

I used to have a company credit card in my old job and they were very clear on the rules about this sort of thing. I wouldn't even do it on a personal card TBH.

Can he order and pay over the telephone and you just collect them for him ?

For sure, no harm is being done Flexi, and I do use my DH's cards myself! I just meant that there is cause to be concerned, so the OP is NBU to be reluctant.
For one thing, it is breach of contract with the card provider, who stipulate named user only. With credit, it is the banks (or card provider's) funds that are being used for purchase, so they can claim fraudulent use, even if it would be bloody U of them to do this if bills are paid off!