What is the word for knowing how to use something (phone, car, etc), but not understanding how it works?

I'm unable to dismantle and/or repair much of the technology I use - mechanical and electrical. In these instances I would describe myself as a consumer.

There is a relevant term, but it refers to the object being used, not to the user. In your example, the person is using their phone as a black box. As Wikipedia says,

a black box is a device, system or object which can be viewed in terms of its inputs and outputs [...], without any knowledge of its internal workings.

I would call it superficial understanding, which suggests that there is a lot that is not understood (the inner workings of the device).

We may use the simplistic term :

•WORKING KNOWLEDGE — the adjective can be made WORKABLE if need be.

But I would love to use - BASICS - in all these situations.

In the academia we term what you are asking for as Recipe knowledge. Vennix, J. (2019) defines recipe knowledge as "knowledge about fairly routine issues that we use every day in our (social) discourse." Moreover, Vennix gives an example of making a phone call without being an expert in how telecommunication works.