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A Stranger Asked to Use His Costco Card for Gas, and He Said No

by Charles Butler
April 14, 2026
in Social Issues

It was a quick, everyday stop for gas. Nothing unusual, nothing complicated, just another routine errand.

Until the person at the next pump leaned over and asked if he could use his membership card.

It seemed like a small favor on the surface. But something about it didn’t sit right.

A Stranger Asked to Use His Costco Card for Gas, and He Said No
Not the actual photo

Here’s The Original Post:

'AITA for not letting someone at the Costco gas pump use my membership to get gas?'

While I was pumping gas into my car the guy on the other side asked if he could use my card. He said he didn’t know it needed a card.

I told him Costco needed a card for everything. He then tells me he normally uses his friend’s card. I told his he couldn’t use mine.

So he knew he needed a membership. He started mumbling something and got back in his car without getting gas.

When I was done I left and he was still sitting there. Guessing he might ask the next person.

Yes I would have made a little money in my % back but…. May I should have asked for $5 to help pay for my membership and he could have...

At places like Costco, the rules are pretty clear. You need a membership to shop, and that includes the gas station. The lower prices are part of the benefit, not something open to everyone.

So when the stranger said he “didn’t know” a card was required, it already sounded a bit off. And then, almost immediately, he followed it up by saying he usually uses a friend’s card.

That contradiction alone was enough to raise a red flag.

From a basic trust standpoint, people tend to rely on consistency when deciding whether to help a stranger.

When someone’s story doesn’t line up, even in a small way, it makes the situation feel less like a harmless request and more like something to be cautious about.

And in this case, the request wasn’t entirely risk-free.

Membership cards are tied to accounts, and in many cases, to payment methods or purchase histories.

Even if the stranger planned to pay for his own gas, the transaction would still be linked to someone else’s membership. That creates a gray area, especially if anything goes wrong, like a disputed charge or suspicious activity.

Retail policies also tend to be strict about sharing memberships. Warehouse clubs operate on a closed system, where benefits are meant for paying members only.

Allowing non-members to use someone else’s account can violate those terms, and in some cases, lead to warnings or even cancellation.

So the decision wasn’t just about being helpful. It was about weighing a small favor against a potential risk.

There’s also a social dynamic at play here that makes situations like this uncomfortable.

When someone asks for a favor in a public setting, especially something that seems minor, there can be a subtle pressure to say yes. Saying no can feel awkward, even when it’s the more reasonable choice.

But boundaries don’t stop being valid just because a request is framed casually.

He chose to say no, without escalating the situation or making it confrontational. The other person muttered something and went back to his car, eventually staying there, likely waiting to ask someone else.

That part says something too.

Because if this were a genuine one-time misunderstanding, most people would either leave or look for official help. Waiting around to ask multiple strangers suggests this might have been a pattern, not a one-off situation.

From a behavioral perspective, this fits a common pattern where small, low-stakes requests are repeated until someone agrees. It relies on the idea that eventually, someone will feel less cautious or more willing to help.

Which makes the original decision feel even more reasonable.

Still, there’s a small lingering question he had afterward. Should he have handled it differently? Maybe charged a few dollars, turned it into a harmless exchange, or just helped out this once?

That’s where things get a bit blurry.

Because once money enters the equation, it shifts from a favor to something else entirely. And more importantly, it still doesn’t remove the underlying issue.

The membership rules, the account connection, and the uncertainty about the other person all remain.

So the core decision doesn’t really change.

Here’s the feedback from the Reddit community:

Most people were firmly on his side. The biggest point that kept coming up was the contradiction in the stranger’s story, which made the situation feel less trustworthy.

Moezso − He didn't know he needed one, but normally uses his friends? Those 2 assertions contradict one another, he's a liar, and as such not to be trusted. NTA

Dapper-Survey1964 − NTA, sharing your card is cause for Costco to terminate your membership at the checkout inside. ..I'm sure that rule carries over to the gas pump.

SpareCap9338 − NTA. If your membership card is connected to your credit card, who was going to pay? He was trying to scam you.

"He said he didn’t know it needed a card. I told him Costco needed a card for everything. He then tells me he normally uses his friend’s card.

"That contradicts itself You also need to know that you could lose your membership for doing that

Others pointed out the potential risks, from violating membership rules to being linked to someone else’s transaction.

ZekeLeap − I worked at Costco for a bit and there’d always be people pissed off they couldn’t get gas without a membership

“But your gas is cheaper which is why I came here! I didn’t know you needed a membership! ” Yeah why do you think it’s cheaper buddy

Manathayria − NTA. I wouldnt risk someone using your identity. Lets say I use your card to access the pump, then use a stolen cc OR charge back on my...

YOUR identity is linked to the transaction from using the member card. NTY

Lighthouse_on_Mars − NTA, Had this happen to me. Normally, I go out of my way to help people in small ways.

But I love Costco too much to get my membership revoked for a stranger. (😂 No idea if thats even a thing, but I'm not taking the chance! )

A lot of commenters also said the same thing in simpler terms. This isn’t something you ask a stranger to do, and there’s no obligation to say yes just because it seems like a small favor.

beerab − NTA - if you got caught your membership could have been revoked.

RhythmTimeDivision − NTA. I've seen this story posted in a Costco thread before. If it turned out to be a stolen credit card, you become an ex-Costco member.

CSurvivor9 − NTA. Best to stay away from strangers wanting to use your identity for things.

shad0w_lovee − NTA. who goes up to a stranger and asks for their card to get gas? that's hella weird IMO.

In situations like this, the decision often comes down to instinct.
Something felt off, and he trusted that feeling.

It didn’t create a scene. It didn’t hurt anyone. It just set a boundary.
So is saying no to a stranger ever the wrong move, especially when the request involves your name, your account, and your responsibility?

 

WHAT DO YOU THINK OF THIS STORY?

WHAT DO YOU THINK OF THIS STORY?

OP Is Not The AH (NTA) 1/1 votes | 100%
OP Is Definitely The AH (YTA) 0/1 votes | 0%
No One Is The AH Here (NAH) 0/1 votes | 0%
Everybody Sucks Here (ESH) 0/1 votes | 0%
Need More INFO (INFO) 0/1 votes | 0%

Charles Butler

Charles Butler

Hey there, fellow spotlight seekers! As the PIC of our social issues beat—and a guy who's dived headfirst into journalism and media studies—I'm obsessed with unpacking how we chase thrills, swap stories, and tangle with the big, messy debates of inequality, justice, and resilience, whether on screens or over drinks in a dive bar. Life's an endless, twisty reel, so I love spotlighting its rawest edges in words. Growing up on early internet forums and endless news scrolls, I'm forever blending my inner fact-hoarder with the restless wanderer itching to uncover every hidden corner of the world.

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