The intent to use someone else's financial transaction card must be...

The intent to use someone else's financial transaction card is generally considered unlawful when it is done without the cardholder's consent. This situation typically falls under the definition of fraud or theft, as the unauthorized use of another individual’s financial information can result in financial loss or other significant repercussions for the cardholder.

Using someone else's card without permission violates legal statutes designed to protect consumers from fraudulent activities, such as identity theft and credit card fraud. The essential element here is the absence of consent from the cardholder, which signifies that any intent to use the card in a manner that results in unauthorized access or use is inherently unlawful. Thus, this aligns with the definition of criminal conduct regarding financial transaction cards.