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> Using someone else's card without a signature would just be a breach of the T&C's, but not a crime.

Even without forging a signature, it would still constitute theft or fraud, no?

With the other persons permission, I wouldn't think it would be theft or fraud.

Okay, but in that case you're not breaking the law if you sign in their name -- at least in some countries. So it'd be probably back to "just a ToS violation".

If you had their permission then no it wouldn't be a crime.

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