Merrie Harris, 45, was at a trendy SoHo Mexican restaurant with a friend, admittedly drinking a margarita, when they stepped outside for a smoke and were approached by a homeless man.
Harris told The New York Post
: "He asked me if I had any money. He said he just wanted to get a Vitamin Water. I said, 'I don't [have cash] -- I only have my credit card.' "
When the guy asked if he could borrow her credit card to get the Vitamin Water and some cigarettes, Harris handed the card over to him.
Harris said after she let the man take her card, "everybody said they thought that was the dumbest thing, that there's a fine line between charity and stupidity."
She volunteers with the Coalition for the Homeless and said, "I'm eternally optimistic."
She began having doubts about her charitable act after ten minutes went by, and she wondered if the homeless man was out on a big spending spree with her platinum card.
The man did return though and Harris was so happy she gave him a hug and told him, "I knew you were coming back."
He replied, "'Of course. I'm an honest person."
Harris said: "People kept coming up to me saying that's the best thing that ever happened."