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Credit Card Worries

My dad gave me his credit card about four months ago. He told me to charge my gas to it and if I needed anything else to call him. I thought I was being very responsible with it. I have a lot of extracurricular activities, so that’s part of why I have to fill up my tank so often. Recently, I went out of town to the mall with my friends. He told me that if I saw any more school clothes I wanted to get them. When I we went to the last stop of the day my card was declined. I was shocked because didn’t think I could have maxed out his card, especially considering that I’m obsessed with coupons. I spent from $10 to $20 dollars at each place except for the gas station. My friends said maybe I froze the card by using it too frequently in one day. I used it at ten places; three fast food places, a convience store, the gas station, two bookstores, and three clothing stores. If I did max out the card, I don’t want him to be stuck paying for my mistake. I’ll get an afterschool job if that’s the case. What’s the most likely reason for it being declined? How should I go about telling my dad about it? Lastly, how can I get enough gas to get to his house to talk to him about it? It seems cowardly to just talk to him over the phone about it.

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Answer #1

You may have exceeded only the ‘daily’ limit and not the ‘overall’ limit - try it again tomorrow and see if it works, if not, there’s nothing wrong with calling your Dad and telling him you might have messed up - we all make mistakes - you’re being responsible by owning up…Take care !!

Answer #2

I would consider typing it down and than sending it to your father online or something.. I know it may seen courdly but it really would get all of your words through befors he can cut you off.

Answer #3

Hey, thanks for all the help! I just told my about it and he said I didn’t do anything wrong. He just has a spending limit set on the card so it’s easy for him to pay off each month. He just got in the bill today and said I didn’t have to worry. It’ll be working good as new by Monday. :)

Answer #4

Sorry, I probably should have clarified. I was going out of town so he knew I would have to stop and get food, it was an all day trip. As for the two bookstores, I called and asked if I could get some study guides for my AP English class and the ACT. I’m planning on calling him this weekend, I just don’t know how I should start the conversation.

Answer #5

What I find strange, is how you said that your dad told you to use the card only for gas - “or school clothes”

What does 3 fast food places + 2 bookstores have to do with that?

  • My advice, fess up to your dad. Worse he’s going to do is start handing you cash instead so you can’t go over. - But honestly I doubt he’ll do anything.
Answer #6

most definitely call your dad and tell him regardless of whether the card works or not . Also try and keep the reciepts of what you spend so you can keep track of how much you have spent.

Answer #7

Thanks for the advice! I did try the card earlier today, but something weird happened. It worked at one place, but not the other. I went to Sonic and ordered some fries and had cash to back me up if the card didn’t work, but it worked. I was so happy I called to tell my boyfriend that I thought the card was working again. We were at Walmart and he’d gotten a pack of sodas. I told him I would put on the card to make sure it was working before I got gas. Sadly it didn’t work that time. I’m glad it happened then rather than at the gas station.

Answer #8

what I would do is just call your dad and tell him what happened

Answer #9

you should contact a qualified and dedicated debt consultant. they work with your creditor to reach mutually acceptable settlements that will save your money and time, and enable you to discharge your debt.

they helped my friend with her credit card debt and saved her from bankruptcy.

you should call Credit Card Relief toll free on 877-867-3090

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