DEAR HARRIETTE: My son has gotten ahold of my credit card information and has been using it excessively and without my permission. He is 23 years old. He has a job and lives on his own. This feels like a violation to me, but my husband thinks I am overreacting and that my son probably thought it was OK. From what I’ve gathered, it seems like he has my information attached to his tap-to-pay because he’s used it for in-person purchases. This feels deliberate to me. He’s purchased groceries, takeout, gas, movie rentals and more. This feels grossly irresponsible for a young adult. I want to cut him off completely, but it’s not just about the money. What should I do about this level of dishonesty? I don’t want to treat my son like a criminal, but I don’t ever want him to take from anyone -- including me -- and think it’s OK. -- Teach Him a Lesson
DEAR TEACH HIM A LESSON: Don’t assume the worst. Instead, talk to him. Tell him you realize that he has been using your credit card. Note the variety of purchases that have shown up on your bill. Ask him why he is doing this. Listen to his response. Perhaps you gave him the number once and he kept it on file. Tell him that you no longer want him to use your credit card information without asking you first. Remind him that he is a young adult with a job and an independent life. If he needs your help, he must ask.