Several threads back, there was a truly robust discussion about ATM cards and banking regulations.
Apparently, it's not legal to use someone else's ATM card, period, full stop. Even with permission. So all of us who have occasionally given our card to a kid or a spouse are...breaking the federal law? Several lawyers weighed in and that's what I concluded.
Don't know about credit cards, but if BL used one on, say August 31, pretty sure it'll be hard to argue that Gabby gave him permission to do so. The best defense won't be timing, it will be proof of permission given (for the CC).
If BL used her iPhone and its wallet to use the ATM, that would require entering the debit card numbers into the phone (which many of us have already done) but then, it would not be okay for BL to use that phone to access an ATM. It will be hard for him to argue that any. purchases he made away from Spread Creek had Gabby's permission, especially if he had her phone - she couldn't give permission for use of the phone OR for use of her debit or credit cards.
I think LE knows a lot about those phones, btw.