I'm thinking of using her credit card information.
Why not use your own credit card?
Why should I do that?
What you want to do is steal, and a lot of people would say that this is morally wrong. Would you be very happy if someone used your credit card?
I'm considering getting a new phone.
You should really consider just using your own money, as if you use their credit card then you could go to jail or get into a lot of trouble.