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If he gave you permission, he cannot file criminal charges, since the card wasn't used without his consent. You can establish this by showing how many months you did use the card without any problem and with his knowledge. He could, however, bring a lawsuit against you for the balance if he can show that there was some sort of agreement. The problem with that for him is if he first files a criminal case against you, claiming that you didn't have permission. If he does that, he'll have a difficult time then turning around and brining suit against you for failing to pay in accordance with your agreement.