I feel for you I really do.
But take it from me, this is just the start, he will continue to not pay his way, will keep coming up with excuses as to why he can't and will carry on "borrowing" money from you with no intention of paying it back.
Just the fact he's not just once, but repeatedly, used your card for purposes you didn't agree to, shows he doesn't have any respect for you or your relationship together I'm sorry to say. But I think you know that already.
I say this from experience, it is financial abuse. Do not stand for it, please. And definitely don't fall into the same trap as I keep doing. I'm learning, slowly to develop, and stick firmly, to boundaries. It's not easy. Especially as I'm assuming you love him still.
Obviously I don't know him, or the ins and outs of your relationship. If you want to try and stay together, you need to have an open and frank discussion. Lay down your expectations, what you will no longer be doing for him, and consequences if he doesn't stick to a mutually agreed plan of payment. Prepare all of this ahead of the conversation.
You sound like you would like to give him benefit of the doubt, but only you know when enough is enough.
Personally from what you've said, he's crossed that line already. Get rid and learn to love yourself again. Wishing you all the very best 😘