How do I reason with my toxic mother?

I feel like I know a lot of people are going to give me the whole "you can't reason with these people." And through experience, I know this is often accurate, but I still try. And I do feel that there are different levels of toxicity and different levels of being reasoned with. So I don't expect to ever be able to fully reason with my mother, or any of these types of people.

Basically though, my mother, often, accuses me of stuff like using her credit card (I don't even have her credit card info although I did at one point and she had been hacked.)