roommate gave our shared credit card to his girlfriend and now my credit score is wrecked

Hey guys, really need your help here.

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.

Comments

So my wife’s going to a gala tonight — as her client’s “date.”

I’m 44 and my wife is 44. She works on an art advisory committee, so attending galas, events, and client meetings is part of her job. She often meets clients for coffee, lunch, or dinner, and I don’t always know the details and that’s completely normal because it’s part of her work. She’s always professional, transparent about her friendships, and I trust her judgment completely. Recently, she mentioned she’s going to a gala with a friend, S. He’s a wealthy client she met about a year ago, and they became friends professionally. She introduced me to him once, and he seems like a genuinely good person. He invited her as his “date” to this gala, and my wife said it’s fine. I did ask her though, if she’s actually going as a “date,” and she just laughed and said, “Date doesn’t always mean romantic.” She said it’s important for her she could get networking and meet new people. Then she smiled and said, “If I get into this gala next time, I won’t need to take that man with me, I’ll take you...

Update- My fiance’s “vows disaster” just hit rehearsal day & it got worse

For context- my fiance accidentally sent our officiant his draft vows, the one full of placeholders like “insert emotional stuff here” and “make her cry but not ugly cry”? Yeahhh. He promised he fixed them. But he did not. At the rehearsal, the officiant asked if he wanted to do a practice run. My man confidently steps up, opens his phone & starts reading the exact same draft. He gets halfway through “insert heartfelt memory here” before realizing, mid-sentence - what’s happening. The entire wedding party is trying not to lose it. Our officiant just sighed and said, “Well, at least you’re honest.” He is now rewriting his vows under supervision like it’s a school detention. The bridesmaids made him a folder titled “FINAL FINAL vows - DO NOT SCREW UP.docx.” If the ceremony goes anything like this rehearsal, I might livestream it for educational purposes. (And yes, I posted the original chaos on r/WeddingJokes — I feel like I owe them an update at this point)

I accidentally went on a date with someone who thought I was their other Tinder match

So, a couple months ago I matched with this girl on Tinder. We had a pretty normal convo, nothing crazy, but eventually she asks me to grab coffee. Chill, right? We meet at this cute local spot, she gives me a quick hug, and right off the bat she says: “Wow, you look even better than your hiking pics!” Problem is… I don’t hike. Like, I don’t even walk briskly. I just nod and laugh it off. We keep talking and she starts referencing stuff that makes zero sense. “Your dog is so cute—what was his name again? Bentley?” I don’t have a dog. Never have. Then she mentions how I told her I used to live in Colorado. Again, not me. I’ve never even been west of Kansas. So now I’m trying to figure out if I have early onset memory loss or if she’s mistaking me for someone else entirely. Finally, mid-latte, I ask, “Hey, just to clarify… what’s my name?” She looks confused. “Jake?” Friends… my name is not Jake. We just stared at each other for a solid five seconds before she burst out laughing. Appare...

Bimql chhetry.

Search This Blog