Should I be mad at my boyfriend?

Question

Im 19 I just got my first credit card. I have an 1000 limit and I spent 800. I had to get new stuff for my apartment. It wasnt mindless spending. I was going to pay it off as I got paid. $200 increments. Well I dont get paid by check till next thursday and my bill was due on the 30th. I asked my bf to let me get the money he owed me so I could at least pay the minimum. I was 3 short. and I had a direct deposit coming on the 31st for $100. He didnt want to go to the bank so he said just pay them when I get paid. But then I said it will be late, then he said all credit cards have a grace period. I didnt even read up on that part when I got it, because I did not plan to make late payments in the first place!!! Well I thought ok hes had credit longer than me so he would know. I just checked my account and now I have a $40 late fee!!! I just paid, but still. I feel like his debt and laziness put me into this problem. It just so happens when my billl is due, I havent been paid yet.

Answer 1

I'd be mad at the boyfriend for not paying you money he owes you, but not for the late fee. There is a grace period for credit cards, but that only means that you can pay late and they don't close your card. They will still charge that fee. If you call them and are sticky-sweet, they may credit the late fee. They will only do this once though. Good luck!

Answer 2

Well first of all would make a payment, yes there is no such thing as a grace period anymore, in fact if the due date is on a weekend best have the payment in by Friday. In addition if you have late payments they usually raise your interest rate, until you have been on time for 6 months. Question remain you stated you where going to pay in $200 increments, yet stated your direct deposit was for only $100. Next question is if the things you purchased for the apartment was for both of you, why is he not contributing? Sounds like a dead end track

Answer 3

I understand your frustration, but you need to read the fine print. Also, with many credit cards, you can call and set up a bill date that works for you so that you won't run into these problems. Be cautious with credit, it can make or break you! Read the fine print and do your homework on the interest rates, etc. He should have paid you what he owes you, but your credit is your responsibility.

Answer 4

You knew you had that credit card bill coming and should have budgeted for it. Your credit card is your responsibility.

Your boyfriend is an idiot for giving you such bad info about grace periods. I suspect his credit isn't so good. But even worse, he's borrowing money from you. Doesn't sound like much of a prize to me.

Answer 5

You should be mad at him, and if he was concerned about you he would have done something.

Although it is your responsibility to handle your own debts, you have gotten off to a bad start. Just being late once will drop your score a lot, especially for a new account.

My advice, watch your money, don't rely on others to help you and keep those payments on time!!!!!! You don't want to risk your ability later on in life to purchase things or even get a job.

check out the link I have enclosed, it's free advice on building a better credit report.

Answer 6

no dont be mad at him. hes not responsible for your credit card - you are. his laziness? why couldnt you call them? you could have made arrangements and then saved yourself 40 dollars. and if you have a promotional card - youve lost the promotions that went along with it. next time just call... they will work with you.

Answer 7

You shouldn't be mad at him, it is your responsibility to pay your own bills and know the credit cards policies.

Answer 8

No you should not be mad at boyfriend. Be mad at yourself for not planning properly.