DH lost Credit card roulette...

[Anonymous]

no credit card roulette for me. thanks.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Also for those saying this is a troll post, I regularly post here. I have no reason nor desire to play games like that. I am a grown woman and have no time for that foolishness

If you're willing to offer me constructive advice I will take it but if you're here to just label me as a troll or give Starkey responses then please don't reply.

This entire scenario would suggest otherwise.

This is something douchebags in movies do, not real people. Start there and work your way backwards.

Hahaha this

[Anonymous]

This is TikTok nonsense for dbags

https://en.m.wikipedia.org/wiki/Credit_card_roulette

https://www.cardratings.com/financial-literacy/how-to-master-credit-card-roulette.html

[Anonymous]

Anonymous wrote:So we were out with the rest of the neighborhood moms and dads last night and played a game of credit card roulette

My husband unfortunately was picked and could not pay because he apparently is $4,500 over the credit limit

I was embarrassed, I was mortified and I don't know if I can show my face after he told me to my face during dinner after his card got declined.

What should I do? I had no idea this was a thing and keeping financial information from me is a huge red flag.

Not a big deal. Reach out to the person who paid and offer to cover the cost. Nobody is thinking about it but you. My no-limit AmeX gets declined all the time for things it doesn’t think I’m buying. It once got declined at the kids school when I tried to buy a $10 Christmas ornament, another time at a furniture store because I forgot I set a cap because I was scared I’d loose it and someone would buy a Rolex…consistently declined at a local coffee shop for absolutely no identifiable reason…it happens.

[Anonymous]

Anonymous wrote:

Anonymous wrote:So we were out with the rest of the neighborhood moms and dads last night and played a game of credit card roulette

My husband unfortunately was picked and could not pay because he apparently is $4,500 over the credit limit

I was embarrassed, I was mortified and I don't know if I can show my face after he told me to my face during dinner after his card got declined.

What should I do? I had no idea this was a thing and keeping financial information from me is a huge red flag.

Not a big deal. Reach out to the person who paid and offer to cover the cost. Nobody is thinking about it but you. My no-limit AmeX gets declined all the time for things it doesn’t think I’m buying. It once got declined at the kids school when I tried to buy a $10 Christmas ornament, another time at a furniture store because I forgot I set a cap because I was scared I’d loose it and someone would buy a Rolex…consistently declined at a local coffee shop for absolutely no identifiable reason…it happens.

Forgot, it ALWAYS gets declined at CVS every single time, no idea why.

[Anonymous]

I feel like owing someone $300 for dinner is nothing compared to multi thousand dollar credit overdraft. Are you guys carrying a giant balance? What's the interest rate on that? Is the interest rate different on an overdraft? You should be combing over those credit card terms.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It's very possible to exceed your credit limit by 4500

How?

You just keep using it.

That's not how credit cards work. AT ALL. Don't you have homework to get back to?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:What is credit card roulette? And why is your bigger problem embarrassment rather that financial?

Everyone puts a credit or debit card out and the waiter picks one to pay the whole check.

Weird. Who does this. Most people don't have the money for these ridiculous games. And OP is probably spending the money that is on that credit card.

And what meal where costs more than $4K?

Reading is fundamental. Try again genius.

[Anonymous]

Anonymous wrote:Yeah how is it possible to be $4500 over your limit?

I've done this and had no idea until I went to pay the bill. I tend to pay the balance off in big chunks. For instance if I have a balance of $18,000. I'll make a payment of $9,000 and then a few weeks later depending on cash flow, I'll make another $9,000 payment. I've gone over by thousands on several occasions and got no declined flags. Worst case they raise my limit.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I surprised such a learned crowd doesn’t know what credit card roulette is, it’s not new. Not sure what to tell you OP, that’s embarrassing. Good luck with it.

I can guess what it is, but I would shut down anyone who proposed such nonsense. How tacky and presumptuous can one be?

It’s not tacky at all. In my social circle we often argue about who’s paying, as in no, I’m getting it, no I’m getting it, on and on. So this method works well.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Also for those saying this is a troll post, I regularly post here. I have no reason nor desire to play games like that. I am a grown woman and have no time for that foolishness

If you're willing to offer me constructive advice I will take it but if you're here to just label me as a troll or give Starkey responses then please don't reply.

Grown women don’t play foolish games like credit card roulette. You are not persuasive.

Disagree. My friends have never played this but I wouldn't be opposed because we've all treated each other from time to time. Paying $400 once when you've had previous outings not paying at all evens out.

[Anonymous]

Anonymous wrote:No one was out last night in this weather. Fake post

People living in the city would take advantage of this at neighborhood restaurants. I considered going myself last night but remembered that I'm trying to save on dining out expenses in 2025.

[Anonymous]

Anonymous wrote:I feel like owing someone $300 for dinner is nothing compared to multi thousand dollar credit overdraft. Are you guys carrying a giant balance? What's the interest rate on that? Is the interest rate different on an overdraft? You should be combing over those credit card terms.

OP here. We just finished putting in a new master bathroom and put most of the costs on our credit cards. Interest rate is currently 7.99% introductory and then jumps to 29.99% in 12 months. We figured we would hold at low interest and pay off later. But we may have overextended our limit on the card.

[Anonymous]

Anonymous wrote:Who had a credit card machine at a house gathering and won’t this look like a taxable IRS gift?

Most credit cards have limits if $2-10k so to allegedly go over that by $4.5k for an imaginary game at someone’s house is BS.

And no one would do a $500-1000 per person restaurant bill this way. Thats all a lie. Host and invitee should pay if everyone ran up the restaurant bill like lunatics.

Your comprehension skills need a reset. Start over.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I surprised such a learned crowd doesn’t know what credit card roulette is, it’s not new. Not sure what to tell you OP, that’s embarrassing. Good luck with it.

I can guess what it is, but I would shut down anyone who proposed such nonsense. How tacky and presumptuous can one be?

It’s not tacky at all. In my social circle we often argue about who’s paying, as in no, I’m getting it, no I’m getting it, on and on. So this method works well.

Yuck.