I don't think that particular UK law applies here. Similarly, in the US, that's not how it works. You can absolutely be liable for your children's charges. In t

I don't think that particular UK law applies here. Similarly, in the US, that's not how it works. You can absolutely be liable for your children's charges. In the US, it took FTC action and class-action lawsuits for deceptive billing practices to get similar charges reversed. And the only reason they won was because they were able to argue it was too easy for kids to do it without permission - it didn't hinge on them doing it without permission. https://www.cnbc.com/select/whos-responsible-for-kids-unauthorized-credit-card-charges/ https://www.cnbc.com/select/whos-responsible-for-kids-unauth... In fact, the article uses the exact same term I did: it's a "gray area", and some CC companies may not let it fly. > "However, some credit card companies define 'unauthorized charges' as charges made after your card has been lost or stolen, meaning that if your kids make purchases on your card without your knowledge, you are still liable for the charges."