Guys, I've Just Messed Up, Big Time.

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    Army





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    Guys, I've Just Messed Up, Big Time.

    Post by Army on November 26th 2011, 7:19 pm

    So my parents have given me their credit cards for the last 3 months, the last 2 months havent been so bad. Just wasting about 100$ or so a month, but this month, I wasted about 400$. They're upset, my dad wants me to pay some and stop using my credit card, they want to take it away, and I'm sad, I don't even know how i wasted 400$! What do? I have no job and its almost Chirstmas, now I can't buy myself presents. :(
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    84





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    Re: Guys, I've Just Messed Up, Big Time.

    Post by 84 on November 26th 2011, 7:36 pm

    and we care why?
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    Techimo






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    Re: Guys, I've Just Messed Up, Big Time.

    Post by Techimo on November 27th 2011, 5:22 am

    Since its almost Chrismas, There are probably some jobs out there.
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    Yioibon


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    Re: Guys, I've Just Messed Up, Big Time.

    Post by Yioibon on November 28th 2011, 12:30 am

    Come up with a way to make $400 (sell things, get a job, anything), and try to practice better financial etiquette in the future. Also, try to win back your parent's trust, and use cash whenever possible.
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    Auflodern





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    Re: Guys, I've Just Messed Up, Big Time.

    Post by Auflodern on November 28th 2011, 10:39 am

    Protip: don't use your credit card for everything
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    Hushimo





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    Re: Guys, I've Just Messed Up, Big Time.

    Post by Hushimo on December 1st 2011, 10:10 pm

    What a white person problem.
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    Shadowsgirl





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    Re: Guys, I've Just Messed Up, Big Time.

    Post by Shadowsgirl on December 7th 2011, 2:36 pm

    It sounds like you need to learn to manage your money better. I suggest taking a personal finance class if you can. The thing about the plastic money is you DO have to pay it back eventually. That's the whole point of credit. A good rule of thumb would be to avoid large purchases if you know you can't afford them, and to save up for them. Part of why the economy is so jacked up is that people think they can spend money they don't have, and they managed to get away with it for a while.

    As for figuring out how you managed to spend 400$ in a month, I suggest you go over your credit bill/statement. Take a look over the purchases you know you made, especially ones you used your card for. Then take into account any fees and service charges your card may have. (I have a visa debit card from my bank, and I changed banks because they started charging a fee every time I swiped my card. I found out because they charged me an "ATM Fee" even though all I did was pay for groceries.) Some cards also charge an interest fee if you have an unpaid balance that carries over to the next month, so take that into consideration too.
    If you're not coming up with around 400$ when you add up all these things, or there's a purchase listed you KNOW you didn't make, then you need to contact your bank IMMEDIATELY. This could be a sign that someone stole your information, and the quicker you report the theft, the better things will be. For example, in the event that a card is actually stolen, you are only held liable for a maximum of 50$ by US law. But that's only if you report the theft within 60 days.
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    The Freedom Fighter





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    Re: Guys, I've Just Messed Up, Big Time.

    Post by The Freedom Fighter on December 8th 2011, 3:23 am

    This would be easier to take serious if you weren't trolling Shadi's name, Shadiwulf...but anyway, good luck.


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    5hadow



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    Re: Guys, I've Just Messed Up, Big Time.

    Post by 5hadow on December 8th 2011, 3:25 am

    I only use my CC for emergencies. xD
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    Schnickelfritz





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    Re: Guys, I've Just Messed Up, Big Time.

    Post by Schnickelfritz on December 22nd 2011, 2:06 pm

    Steal money and stuff.

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