<prompt> Human: Not sure if this is the right sub to ask but..My sister agreed to let her roommate use her credit card to pay some bills. The plan was to add him as an authorized user, but before they did that he racked up a couple thousand worth of charges. My sister didnt check her statements so eventually she did add him as an authorized user, only after that did she realize what he did.She is wondering if he can be charged with credit card fraud for the purchases made with her card, under her name, without her knowledge. She says the only thing he has showing her giving him permission to use her card is a text saying he could use it. Is that enough for him to get away with the original charges?We live in Virginia if that matters.Thanks!  <response>: Sister, roommate Him, authorized credit card... something tells me this isnt the full story... ie who in their right mind will authorized their roommate as a credit card user. Also, if he charged a couple thousand worth on her credit card before authorization, thats thief plan and simple even if she allowed him. from what i understand, its illegal to use somebody elses credit card unless the credit card is under their name even if they allowed it.Additional info: ie check the card terms and agreement. your sister might have committed fraud also. 