I'm going to have to question the wisdom of your DH's coworker who actually gave the credit card!
Very poor judgment.
First of all, utility shutoffs are never a surprise. One sees those coming for months, and utility companies have various options to try to work something out.
Also, there are social service agencies that help with those situations.
What the woman did (getting satellite) was fraudulent, however, the co-worker willingly gave up her credit card. Hope she learned a lesson.