OP here, just wanted to expand on this to answer some questions. Both bank and credit cards are joint for us— the act of bringing in the income and shopping for the “perfect” gift is what we consider the act of gifting within our relationship. The price on the credit card bill was not the factor that would have ruined the surprise as it was planned to show as a paypal purchase and he already knew I had bought him a gift; the surprise was in knowing what the gift actually was. Customer service, on the other hand, doesn't usually call anyone to confirm purchases—I have purchased far more expensive things without receiving a call before. I just got unlucky this time I guess! His surprise came in early and he was still happy. For those wondering why we have joint accounts while dating; we’ve been together for six years as common-law partners and our relationship is built on trust and honesty. He got a gamer girlfriend but I got lucky with a good man!