So for my girlfriend, if she gets genital warts from fingering, I must have a visible wart on my finger to pass it to her?
Oh and it's located around my frenulum.
No, she is clean. Because she only got 1 partner and it's her first time does this and that is only me. Same goes to me too. We both don't touch ourselves and then pass it to each other's. No I don't think she has any visible wart on her hand. But she used to have a cut from a knife when she cut vegetables etc.. Ohh and I seldom bath after masturbation, can it be the cause of this too? To make it easy, I don't always bathe that regularly. I'm very worried..
The odds of transmission from a HJ is very very low but not impossible. It would require her to have a visible wart on her hands (did she?) or her hand went from her crotch to yours in a few seconds. If this did not happen, it isn't a genital wart. Go see a dermatologist to determine what it is.