Q: Can someone sue you for using their card if they gave you permission to do so via text?
A:
Potentially. If the card was used for something that was not intended or for an amount that was not agreed to. There is also the problem of authorized users on a credit card. Regardless of whether the owner of the card gave you permission you likely did not have permission from the credit card company. The agreement between the owner of the card and the credit card company would have more information about that. The more limited the permission the more likely it is that you would not be held liable. If the card owner told you that you could use the card to buy eggs and milk on a specific day then you are likely not going to be found liable. However, if the card owner told you broadly that you could use the card or they thought they were giving you permission for one transaction you are more likely to be on the hook. The same goes for large transactions, the more you spent on the card the less it will look like you were acting within the agreement you made with the card owner. You are likely better off if you pay back the amount that you put on the card, for items that you then used, as soon as possible.
This is general advice and you should consult an attorney if you believe that this may become an issue.
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