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

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

  
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• 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.  

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• 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.  

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

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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.  

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• 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.

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