Accidental crime...

[ChinChinDarlings]

NC, because I have become an inadvertent criminal.

This sounds unlikely but it true and I would like some advice and insight.

I was out today with a friend, lunch, galleries, bit of shopping. Tapping away merrily with my card.

My husband met me at the station to pick me up and I said I needed to go to the supermarket to get something and he asked what I'd been paying with all day because he had my card in his pocket.

We'd been away at the weekend and he'd been using my card because that was the card we had on us, I have a premium banking product and my card is very distinctive. I'd checked that I had my card in my holder before I went out today because I knew We'd both been using it at the weekend. Saw it was in my holder and have been tapping away all day.

The card I had in my holder and have been merrily using all day, is not my card. It belongs to a man I've never heard of. The only solution I can see is that I picked his identical card up that he left on a table and I assumed it was my card.

I have been spending a stranger's money all day. Shall I just phone the bank? Won't I look like a criminal?

TL;DR. I have accidentally spent some blokes money all day. I don't know what to do!

One of your first replies on this thread was that the bank details aren't on the card...

Do I? That indeed is ick, but you just sound on the edge, however I don’t care enough to analyse why. I actually asked out of genuine concern but never mind.

OP probably alienates people in real life too @Daffodilsandtuplips

Hope you get some sleep OP, when you crash I’m sure it won’t be pretty.

Maybe she means she transferred the money back to the bank and they gave it to the man whose card she used.

I have no idea how this works - but I'd say, the bank notes her spending on the man's card - this is then looked into for fraud reasons, then is debited from her premium banking account. The bank then looks into if the man spent anything on her account, and then vice versa happens as per last sentence.

But from this website, all that happens is the customer pays back the money spent, so OP is right there:

[[https://chargebacks911.com/accidental-fraud/#:~:text=That%20said%2C%20credit%20card%20fraud,significant%20consequences%2C%20including%20legal%20action.

It's 9:30am have you rung the bank yet?

@Ramalangadingdong the £200 went up to £300 later.

@uhOhOP if only mumsnet had an auction for great usernames 😂

Pages ago yes.

OP grew on me by the time I got to the conclusion of the thread.

Once more.

For those at the back.

I have a card that not many people have. It's a premium banking product. I made no claims other than that. I can only tell you that I don't pay much attention to people's cards. I obviously picked up a bloke's card assuming it was mine.

You know sometimes you get your children confused? It was a bit like that. But money was involved.

My bank didn't open until 8am.

I have transferred all spent funds to the undoubtedly very confused man who is wondering a) why his cards doesn't work any more.

And b) when he investigates; there's a transaction from a woman he's never met entitled, 'sorry'.

Retrospectively, I hope it causes him no grief...

You're not even very good at this OP
Make a spreadsheet - document your story as you go along - less chance of banana skins.

ChinChinDarlings did not end up as ClinkClinkDarlings after all.

And they all lived happily ever after.

It was about 250 when I tallied it.

I transferred 280 to be on the safe side.

Well done for doing the right thing.

I hope you are correct that he wasn't caused any difficulties because of this.

And I hope those on MN for whom loosing their card and hundreds from their cash flow would be a big deal, don't end up with someone like you carelessly picking up their card.

You need to inform your bank without delay. You will probably be on CCTV fraudulently using a card. You seem to have a very casual attitude. I would be worried sick. And what about the person whose card you have been merrily using. Do you give them a thought. Doesn't sound like it.

@ChinChinDarlings once more you stated you didn't have his details on the card? Then you did?

I can put that in bold if you're standing at the back.

My premium banking product had a 24 hour concierge call number. It was ridiculous really.
No longer have that product as I put my money into a house and now only qualified for their pauper account.

Hunger for a two hour chicken banquet? Going by the prices of the transactions the got five meal deals each! As I said I hope they enjoyed their feast!

Yes! That is true.

But PPs were extolling me to just put the money in his bank account.

Which I wasn't going to do until I had actually spoken to the bank.

I was fudging it a bit.

Mea culpa.

Contrary to what others think, I’m not convinced you have a ‘wicked sense of humour’, OP. I haven’t seen you have a sense of humour in any of your posts. You just sound bored and strange.

She’s not going to let you hold her premium bank card.

...Good?...

Usually they are offered to customers who have cash savings over about £50k, and a salary over a set amount. They have lower or no charges, often free travel insurance, and other preferential perks.

I have no skin is this particular game.

But thanks.

I think you strange too.

Oof, so you used some random bloke's card. And your husband used your card - even though it's not his bank.

You are the 'let them eat cake' of bank cards.

His account details are probably on the card, I'd transfer the money to him and call the bank to tell them