Three hours later, Loretta tried paying for an expensive dinner with the supplementary card Everett had given her years earlier. It was declined. She tried again, then called him furious. That was when Everett told her the card had never been hers. He had added her for genuine emergencies, not country-club dues, med-spa appointments, and nearly $73,000 in personal spending. He had removed her authorization and asked the card company to review the charges he did not recognize.
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