DD just blew $400 at Sephora

[Anonymous]

Even if you don't want them to have to work, they should have their own debit card with set value, so they can learn to establish limits.

[Anonymous]

Anonymous wrote:

Anonymous wrote:My kids have Apple Pay linked to parent cards. Many of their friends do too. I don’t think that’s the issue. The issue is that OP’s DD thought this meant carte Blanche spending for her. Apple Pay must be given with limitations.

You and your friends are idiots.

Sounds like your kids are untrustworthy and have very poor morals if they would spend your money without consent. I'm sorry that must hurt.

[Anonymous]

And yes, I would ask her to choose what she really wants within a $100 limit, if that's what you find reasonable, and take the rest back. Personally, I would have capped it even lower.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I'm not big on makeup and skincare, so I've never really been to Sephora. However, DD16 and friends were hanging around Georgetown to shop and get dinner. DD has apple pay (my credit card) on her phone, but I had given her about $20 in cash just in case.

They ended up going into Sephora and DD bought some items. She showed them to me when she came home and it was about 10 things. I assumed it was maybe $100.

However, I looked at the notification Apple Pay sends when something is purchased using the card. It was upwards of $400. I'm absolutely shocked. DD has never had a job because I want her to focus on school. However, she's always been pretty unmaterialistic and responsible with money. This makes me wonder if she was feeling pressured to get stuff because her friends were there.

I don't know what to do. Should I make her return it all? Should I just let her have it? I'm lost.

How can people not see that this is clearly a troll and it didn’t happen? Are you people that naive?

I'm thinking that 95% of posts are made up these days.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:My kids have Apple Pay linked to parent cards. Many of their friends do too. I don’t think that’s the issue. The issue is that OP’s DD thought this meant carte Blanche spending for her. Apple Pay must be given with limitations.

You and your friends are idiots.

Sounds like your kids are untrustworthy and have very poor morals if they would spend your money without consent. I'm sorry that must hurt.

I'm sorry you're clueless and probably also respond to emails from Nigerian princes.

[Anonymous]

You make her return what can be returned. This is a very important lesson on not using a credit card to spend money you don't have and to not put thinking in a cart without knowing what they cost. Make it real.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:My kids have Apple Pay linked to parent cards. Many of their friends do too. I don’t think that’s the issue. The issue is that OP’s DD thought this meant carte Blanche spending for her. Apple Pay must be given with limitations.

You and your friends are idiots.

Sounds like your kids are untrustworthy and have very poor morals if they would spend your money without consent. I'm sorry that must hurt.

I'm sorry you're clueless and probably also respond to emails from Nigerian princes.

They are linked to my cards, remember? I see what happens, or in this case doesn't. Again, it's tough when you have teens without a moral compass. But given your language and tone, I can see why they are not honest with you.

[Anonymous]

Anonymous wrote:

Anonymous wrote:My kids have Apple Pay linked to parent cards. Many of their friends do too. I don’t think that’s the issue. The issue is that OP’s DD thought this meant carte Blanche spending for her. Apple Pay must be given with limitations.

You and your friends are idiots.

I link their ApplePay to one of the card I don’t use and lower than credit limit to $500

[Anonymous]

I find it amusing that so many are shocked by this when my child’s classmates routinely drop $20 a day on lunch at the cafe on campus and $8 on drinks at Starbucks, using their parent’s app bc that’s the name that’s called. SMH.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:hell to the no
My kid would be:
She will return
All by herself
And she would take a Dave Ramsey course on the weekends

dramatic much

It doesn't sound like OP had a discussion with her DD about what's allowed and how to spend money. So I'd start there.

That's an interesting take.

How about the fact that this kid has zero money of her own and going into a store, automatically thinks $400 is a perfectly acceptable amount to spend. Sounds like she thinks it's Monopoly money.

It sounds like she was allowed to use the card for dinner, etc? The OP seemed to think spending $100 at Sephora would have been fine but spending $400 was way too much and I don’t see how the kid would have known that without being told. That’s a pretty fine line.

+1. It’s really not that hard to spend $400 at Sephora. My parents gave me a credit card when I was in HS too on the understanding that it would be used for reasonable expenses (like getting pizza after going to the movies, lunch out once or twice a week, and yes, occasional shopping at the mall). They never gave me a specific dollar amount but I deduced “reasonable” from their spending habits.

If OP is generally wealthy and hasn’t had a specific conversation with DD, I can see how maybe $400 wouldn’t seem like a crazy amount to a teenager. Especially if it’s only 4-5 things. I’d just be more clear about it, OP. Like establish that $100 is the budget for shopping trips with friends. And if you can afford it, just let it go this time.

We're wealthy. My kids (19 &16) would not do this. In fact, they have their own accounts and money--not access to ours. If her daughter thinks this is not a lot of money, she has failed at financially educating her.

[Anonymous]

Return it. That’s a ridiculous amount of money to spend on someone else’s card without asking. My kid had never used my card without asking first. She needs a job too BTW.

[Anonymous]

Troll. There’s no way anyone thought 10 items from Sephora were $100. You can’t get 10 skin care/makeup items from Target for $100.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I'm not big on makeup and skincare, so I've never really been to Sephora. However, DD16 and friends were hanging around Georgetown to shop and get dinner. DD has apple pay (my credit card) on her phone, but I had given her about $20 in cash just in case.

They ended up going into Sephora and DD bought some items. She showed them to me when she came home and it was about 10 things. I assumed it was maybe $100.

However, I looked at the notification Apple Pay sends when something is purchased using the card. It was upwards of $400. I'm absolutely shocked. DD has never had a job because I want her to focus on school. However, she's always been pretty unmaterialistic and responsible with money. This makes me wonder if she was feeling pressured to get stuff because her friends were there.

I don't know what to do. Should I make her return it all? Should I just let her have it? I'm lost.

How can people not see that this is clearly a troll and it didn’t happen? Are you people that naive?

I'm thinking that 95% of posts are made up these days.

Agree.

The DCUM troll has infiltrated all headings and pushed out real posters.

Why bother posting an OP. Just gets drowned out by garbage troll and garbage sock puppeting.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I'm not big on makeup and skincare, so I've never really been to Sephora. However, DD16 and friends were hanging around Georgetown to shop and get dinner. DD has apple pay (my credit card) on her phone, but I had given her about $20 in cash just in case.

They ended up going into Sephora and DD bought some items. She showed them to me when she came home and it was about 10 things. I assumed it was maybe $100.

However, I looked at the notification Apple Pay sends when something is purchased using the card. It was upwards of $400. I'm absolutely shocked. DD has never had a job because I want her to focus on school. However, she's always been pretty unmaterialistic and responsible with money. This makes me wonder if she was feeling pressured to get stuff because her friends were there.

I don't know what to do. Should I make her return it all? Should I just let her have it? I'm lost.

Everything gets returned. Make the friend go with you so your daughter is sufficiently humiliated

I hope you are not a parent. Humiliating your child serves no one.

I raised two who are UVA and VT, respectively. They are great kids and thrive due to the way I parent them.

If you want more parenting tips, I am happy to share.

[Anonymous]

Anonymous wrote:Even if you don't want them to have to work, they should have their own debit card with set value, so they can learn to establish limits.

I agree. We do this for our DD. She gets $50/month. She's not been able to save that much due to her bubble tea outings!