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What specifically is illegal about that? Someone gave you credentials to an online service. Now you use those credentials. What law did you brake? You probably broke the ToS/EULA/whatever, but that by itself is not illegal.

(I'm not saying otherwise, I'm asking)

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Just because you have the means to do something does not mean you have the permission. If I drop my car key on the ground and you take it, it's still stealing. I gave you the means (accidentally), not the permission. Especially when using the ill-gotten item will cost me (gas, time, money).

Reminds me of the old phrase: What's the difference between hacking and penetration testing? Permission.

Yes, I see that difference. I also know there are laws protecting computer systems and such. But was wondering if it could be applied to an online service.

For the US, pretty much anything is covered under https://en.wikipedia.org/wiki/Computer_Fraud_and_Abuse_Act

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