Would you let a friend do this?

@zenki08 (700)
Philippines
April 29, 2010 10:40pm CST
I have a friend who asked me if he could use my credit card to buy something. During the first billing date he was able to pay me but after that no more. He keeps on giving me different alibi and until now no payment from him yet. If you were in my shoes would you still expect to get paid? Would you still trust this person?
3 people like this
23 responses
• Philippines
30 Apr 10
How long have you been friends with him? You should consider the length of time that you've known him. Infact, even before you trusted him. Money is really the root of all evil. In this case, it's seem to be ruining your friendship. However, assess also his good points. Maybe he's just hardup on money, that's why he's unable to pay. But why should he need to use your credit card? Doesn't he have one? Maybe you should weight things first before your decide whether or not to trust the person again.
@zenki08 (700)
• Philippines
30 Apr 10
we have not been friends that long The problem with me is I'm too trusting. I don't really know if his hard up on money. From what I know he has a job so he is capable of paying.
1 person likes this
• Philippines
3 May 10
In that case, there's no reason to trust him anymore. He's not really a friend after all. If you can let go of the money/amount he borrowed then consider it lost as he may not any intention of paying in the first place. The best thing to do is to just avoid him. But while doing so, also pray for him, his soul and also your heart. God bless.
@zabawaus (1730)
• United States
30 Apr 10
It is always hard to say no to someone who asks money from you, so i understand you, i never ask money from any of my friends , even i need a lot, i can not do it, but people asked a lot from me and except few most of them never paid again :) And the closest example is my husband gave money to his sister for emergency and she bought a car for her self, and never paid back. This is making me mad!
@zenki08 (700)
• Philippines
30 Apr 10
Thanks! I have stopped talking to this person. I just can't take all the lies he has been saying
1 person likes this
@cutepenguin (6431)
• Canada
20 Jul 10
Wow! What a difficult situation for you. I think at this point, you're probably not friends with them anymore. It's just hard when people don't tell the truth and give you a bunch of excuses.
@andy77e (5156)
• United States
23 Jul 10
Horrible bad awful idea. Never let someone else charge you for their stuff. The answer is, no you should not expect to get paid by him. The reason people don't have credit, is because the banks do not think they are credit worthy. If the bank does not trust him, why should you? Banks are professional lenders. If they think person X is too risky to lend money to, it's because he is. Do not lend money to people. Ever. You will not get paid. Let that go. Do not lend this person more money. No I would not trust him. He broke your trust, that's it.
• United States
18 Jul 10
I would never allow a friend to use my credit card. I know once my sister needed to use my credit card to get diapers for her son. I did not mind because he is my nephew and he wanted a clean bottom. She paid me back a month later when the bill came in. She wanted to make sure that she paid the correct amount and the interet on the purchase. As much as I hate to say this, but I have a feeling that your friend will not be paying you back. I am sorry that he is not taking responsebility for his action.
@nafmdt (40)
• Philippines
30 Apr 10
Hi zenki08! I believe you must think twice now if he is really a friend or not. Or he may be using you because he thinks that you are so submissive enough to get you easily deceived, just like what he did to you.
@zenki08 (700)
• Philippines
30 Apr 10
Thanks for the advice. I'm really thinking now if he is really a friend. I just can't really understant why some people are like that.
@cream97 (29086)
• United States
30 Apr 10
Hi, zenki08. After hearing all the excuses from him, I don't expect to be paid honestly from him. But I still will keep my options opened. If he ever does decide to pay me, I will kindly accept the money. I will hope that he will do the right thing one day. But after this, even if he pays me back, I will not lend him anymore money at all. Nor will he ever use my credit card again. When people do this, it makes it very hard for me to trust them again.
• United States
30 Apr 10
Yes I would still expect to get paid and you should. Unfortunately you never re coup the expense. I have come to the conclusion that if I ever lend a friend money I don so with the fore-thought that I wont get it back. As for the credit card part of it It is never a good idea to lend someone your card. Even if their intentions are good things can happen that may damage a relationship forever. Let them know they have let you down and the trust has been broken. I wish you well in this bump in your road of life.
@mel13088 (265)
• United States
4 May 10
I wouldn't let my friends borrow my credit card to pay for something. If it was something they really needed and I could spare a few bucks, I would give them a few dollars for whatever it was that they needed. I doubt that he will pay you if he keeps coming up wtih different excuses. I'm not trying to be negative, just sharing my opinion. I wouldn't trust that person anymore, especially if they never were able to pay me back. My roommate has borrowed so many things from me while she has been living with me and hasn't given much back. I'm hoping that she gives a few things back before she moves out. I'm not really counting on it though. I'm sorry about your situation and I hope your friend is able to pay you back one day.
@sender621 (14893)
• United States
30 Apr 10
I would never let anyone else use my credit card. It would not matter if they were a friend or a family member. it is not a safe practice. Too much can go wrong. I might allow the charge for someone else to go on my credit card, but i would have to be the one who placed the charge. I couldn't in good conscience give my card or number to anyone else. You cannot be sure of having this debt repaid. It is better to say no to this action, than to be sorry later. The trust would be gone and it's hard to get that back.
@myzire72 (1154)
• Singapore
30 Apr 10
I would say it's really a mistake to let him have your credit card in the first place. Now that he has your credit card info, he can simply purchase anything he like, without paying you back if he chooses so. This is the same as theft, isn't it? Now, I suggest you have a talk with him to iron this issue before it gets out of hand. Ask him to pay you back the money he owed you and no more using your credit card for purchases, else you will report it to the authorities.
@tomitomi (5429)
• Singapore
30 Apr 10
He is not your friend if he is doing this! If you are consistent enough you would probably get your money back. Or try suggesting to him by paying in parts. Or tell him to pay in kinds, things that you would need or things you would be able to sell to get back the money you lent to him. At least that would teach him a lesson. I've had my lesson learnt the hard way too as you do now. But I've stopped trusting him and have drawn the line. You should!
• Philippines
3 May 10
if i were in your shoes, i will not let him use your credit card once again, though he already paid all he bought with your credit card, but you can not really make sure that he will immediately pay you or else he will make some alibis again until the time will come that it will be you that will pay for all his costs....trust is very difficult to regain...
@Kisha14 (117)
• Philippines
30 Apr 10
I am not going to trust him though he is your friend you should be wiser.Dont be too trusty when it comes to money. Be sure he can payback before you lend him. You need an assurance next time.
30 Apr 10
I would bever give my credit card again to anyone who failed to pay once.For me,friendship is friendship but I like to clear up money matters quickly as it is the basis of many a soured frienships.I used to be very docile and used to give away my things if my friends asked for them but then as I grew up,after aparticularly eye-opening incident,I realised that I am being used by people who call themselves my "friends" just to get my things.and that I have no real worth to them as a friend.that was the day I decided not to be used anymore.I learnt to say a firm 'no' to anyne who looks like he/she likes to be my friend just for the sake of my things/money etc.IMHO,you should now be firm in asking your money back and if I were in your shoes,I would stop giving him my credit card,as well as get it changed as there is also the fear of duplicate credit cards these days.I know this will be a bit harsh as he is your friend,but he must know his limits. I would not expect to be paid back but I would still keep up my efforts.goodluck!
• China
30 Apr 10
Hi, zenki. If I were you, I won't trust this friend any more. Obviously, he's trying to cheat me. I understand he may be in financial crisis and as a friend I'm supposed to help him out, but I have to make a living anyway. Whatever his reason, he shouldn't count on others.
@Grat15 (439)
• Singapore
30 Apr 10
I will not lend my credit card to anyone with any reason. Becaure right know, just by knowing the card number, the validity and 3 digit last numbers of CC, we can shop online already. What i mean is, when my cc had been returned, and there are charges for transactions that i never did, while my cc keeped with me. I certainly do not want this to happen, what about you?
@calfbull (14)
30 Apr 10
If I were in your position and this sum is small,I would let him know he need not repay me.If he sincerely explains why and return it,OK;If not,you should give up such a friend as he.
• Philippines
30 Apr 10
Money is the number one factor which can ruin a friend relationship. Of course at first you trust your friend but as that friend alibi's that much then your friend has no plans paying back. I believe on the quotation "If there's a will, there's a way" even if your friend pays a little late. Atleast you can see that he/she is trying his/her best to pay you back. If I were you, I'll talk to her parents or let my parents talk to you friend (if your still dependent with your parents) but you can approach your friend and talk about it. If your friend took it badly, explain. Its his/her responsibility.
@nessosamu (193)
• Japan
30 Apr 10
hi zenki08. i would just give up the money and leave him. if you are with a person who is not trustworthy, you are bothered all the time. especially about money, we should be carefull and if you lend someone money, just let him borrow small amount that you think is ok to lose. in that case, not getting paid is less stressful and getting paid feels like a surprise gift.