Is repentance alone sufficient for the unauthorized use of a discounted transportation card, when one is unable to return the money?

The questioner is not certain about the description and ruling of the first card, and this indicates a lack of certainty, especially since they purchased it in a normal way and did not forge or lie. Therefore, it is not possible to rule that they have a financial obligation to the transportation authority, and the fundamental principle is the acquittal of one's liability. It suffices for them to go to the administration of the entity responsible for issuing the cards, inform them of the situation, and request its resolution.