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    Woman disputes $1,500 vacation rental charge after her cousin uses her credit card without permission for an anniversary trip and refuses to pay it back

    You don't choose family, that's a given. What you can and should absolutely choose, though, is to cut off a cousin who treats your credit card like a family heirloom that everyone is allowed to borrow

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    • Young woman with long curly hair sitting on a bed using a laptop while holding a credit card, focused on online shopping or managing digital payments at home.
      via Vitaly Gariev

      Image is representative only and does not depict the actual subjects of the story.

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    • AITJ for disputing a charge after my cousin used my card without telling me to pay for her vacation rental

      So last summer my cousin needed to book a flight for a job interview and her bank account was being weird.
      via Aggravating_Pin_4304

    • A cousin needs help booking a flight because her bank account is glitching so she asks to borrow a credit card and promises to pay back right away. The cardholder agrees it goes smoothly no drama no weirdness. The cousin even pays it back the next day like a responsible adult. That moment is supposed to be a one‑time emergency shortcut not an open invitation to treat the card like a shared wallet.  

    • Some hold on her debit card or something. She asked if she could use my credit card and shed send me the money right away.
      via Aggravating_Pin_4304
    • I said sure. She paid me back the next day. No issues no drama. That was supposed to be a one time thing.
      via Aggravating_Pin_4304
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    • Fast forward to about a month ago I get an alert on my phone for a charge of fifteen hundred dollars from some vacation rental site.
      via Aggravating_Pin_4304
    • My heart dropped because I thought someone stole my card info. I started going through the charge details and thats when I saw her name on the booking confirmation.
      via Aggravating_Pin_4304
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    • Young woman with long curly hair sitting cross-legged on a bed using a laptop in a cozy loft-style bedroom with exposed brick walls and houseplants, working or browsing online from home.
      via Vitaly Gariev

      Image is representative only and does not depict the actual subjects of the story.

    • I called her immediately like what the his this. She was SO casual about it.
      via Aggravating_Pin_4304
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    • Said she found this beach house for her anniversary trip and they needed a card on file right away to hold the reservation and she didnt want to lose the dates.
      via Aggravating_Pin_4304
    • So she just used mine. Without calling me. Without texting me. Without asking. Just typed in my card number from whenever she saved it last year.
      via Aggravating_Pin_4304

    • A year later the cardholder gets a fifteen‑hundred‑dollar alert from a vacation rental site and immediately thinks their card has been stolen. When they open the details they see the cousin’s name on the booking confirmation and realize the theft is less dramatic but way more personal. The cousin casually explains that she found a beach house for her anniversary trip needed a card on file fast and just typed in the saved number without asking without calling without even a text. It was not a “can I borrow this” moment it was a “I am borrowing this” moment.  

    • She said shed pay me back when she gets her bonus in a few weeks. A FEW WEEKS.
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    • Young woman with long curly hair sitting at a wooden table sorting printed photos, surrounded by potted plants, books, and a smartphone in a cozy loft-style room with exposed brick walls.
      via Vitaly Gariev

      Image is representative only and does not depict the actual subjects of the story.

    • Fifteen hundred dollars just floating on my credit card for weeks while I have my own bills.
      via Aggravating_Pin_4304
    • I told her thats not how this works. She said I was overreacting and that shed literally just used it before and paid me back so whats the big deal.
      via Aggravating_Pin_4304
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    • The cardholder objects. The cousin brushes it off saying she paid it back last time so what is the big deal. The big deal is consent the first time was a yes this time was a straight‑up card‑jacking disguised as family trust. The cardholder calls their bank disputes the charge and the vacation rental cancels the reservation. The cousin calls it an overreaction and then hangs up when the word “fraud” is thrown into the conversation.  

    • The big deal is I SAID YES last time. This time she just helped herself. I called my bank and disputed the charge.
      via Aggravating_Pin_4304
    • They reversed it. The rental company contacted her saying the payment didnt go through and they were releasing the reservation.
      via Aggravating_Pin_4304

    • There isn’t any dispute as to who is responsible for this, and disputing the charge is the only way to take charge of this cousin situation. Just to let them know, permission does not mean a one‑time family discount.

    • I told her using someone elses card without permission is fraud I dont care if were related
      via Aggravating_Pin_4304
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    • She hung up on me. AITJ?
      via Aggravating_Pin_4304
    • Used_Veterinarian71 She saved your card info from a year ago and used it without asking thats not borrowing thats stealing
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    • Shejuan01 Get a new card.
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    • evilyyyn NTJ this is literally insane. You are absolutely right in disputing the charge. You have to change your card or tell the bank that you can't use this card anymore. She does not seem like someone who takes no simply as an answer. The entitlement is actually crazy to me.
      via Aggravating_Pin_4304
    • Top-Bit85 The cousin is a thief is the reason her bank account is "being weird."
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    • MassSportsGuy This has been posted 5x's since September 2025, same scenarios. At least change the scenarios.
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    • Spinlggy NTA. Not only that, you need to get a new card and check your statements. People will make a bunch of small charges to see if the card holder notices and then try a large charge.
      via Aggravating_Pin_4304

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