It's wrong to use a credit card that's not yours.
Andy found a credit card left at the ATM, and it hadn't expired yet.
Andy wanted to do something with the card.
Andy hands the card over to a cop so that they can help find the person.
Andy used the card to buy an Xbox and then throws the card away.
The owner of the credit card eventually gets their credit card back and doesn't lose any money.
The owner of the credit card is unable to get their credit card issuer to clear the purchase.