My roommate and I split our monthly expenses through a shared credit card. It covers our rent, groceries, streaming subscriptions, and other random stuff. I’m actually the primary cardholder, and he just pays me his share at the end of the month. Up until now, it worked fine because we both just kept things clean.
But here’s where it went sideways. He’s been dating this girl for about 5 months and, without telling me, he gave her access to our card. His logic was basically “she’s just my girlfriend bro, what’s the worst that could happen?” Well, the worst happened.
She went out and swiped the card at Sephora, Zara, and who knows where else. Makeup, clothes, and random stuff that had nothing to do with our expenses. It drained the card limit right when we needed to cover actual bills. Because of all this mess, we missed the payment deadline and now my credit score has taken a hit too.
When I confronted her, she literally said she thought it was “only her boyfriend’s card.” Like, are you serious? My roommate just brushed it off like it wasn’t a big deal, but it directly screwed me over.
I’m at the point where I’m seriously considering moving out, but my immediate worry is my credit. I don’t want to be punished long term for his mistake. Guys, how do I rebuild my credit score from here? And what should I even do about this situation right now? I feel trapped between keeping peace and protecting my finances.
Any advice would help a ton.
Edit: Thanks for the advice guys, it helps a lot. I’ve already cancelled the card. Some people DMed me about debit cards that build credit by reporting payments to the bureaus. A few names came up like Fizz and Discover. I’ll probably go with the former since it gives rewards too. Either way, I’ve learned my lesson the hard way, never giving anyone else access to my credit again.
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