It had been six months since my girlfriend and I had moved in together and we were finally starting to get settled.
We had a great apartment and were starting to make it our own, but there was one problem that kept coming up: credit cards.
She applied for a credit card a few months ago, but her application was rejected due to her lack of credit history. She had never owned a credit card before and was ineligible to apply.
This was a major problem for us because we needed a way to pay for everyday expenses and larger purchases.
That’s when she had an idea.
What if I applied for a credit card in my name? I had a good credit score and I was confident I would be approved.
So, I applied for a card and it was approved. Now, I had a credit card in my name that I could use to pay for things, but I had to make sure she was able to use it as well. I decided to make her an authorized user on my card, which meant she would be able to use it as if it were her own.
I gave her the credit card and told her to use it. She was hesitant at first, but I assured her that since the card was in my name, I would be responsible for any charges she made. I also made sure to set up an automated payment for the card so that it was always paid on time.
This is where the situation happened
She starts swiping the card to buy stuff that has little to no use, it was like she is using it for the sake of using it. Buying absolute garbage.
She bought so much makeup, a new phone a laptop and a necklace until the card’s limit EXPLODED through the roof.
I then confront her about it, she says “I am not responsible for the charges, that’s what you said right?”
I feel like after knowing her for so long this is the first time I really know her. She tries to act dumb but no one is that dumb.
I demanded for her to payback but she did not want to and I kicked her out of the apartment and end it right there.
I called the bank and reported that the charges were fraudulent and I only managed get some of the money back. Oh well, better than nothing.