My parents were authorized users — that I had set up, years ago.

But there, added just days before the Florida trip, was Tate’s name.

To add a user to that tier of credit, the primary account holder — me — had to sign a document, physical or digital.

“I never authorized this,” I said, and my voice shook with something colder than grief.

“Tate forged my signature.

That’s fraud.”