Does anyone have financial advice for this situation?

You definitely have a case to take her to court because she was only supposed to take out a certain amount, and instead she totally ruined your credit. The fact that you gave her the card makes no difference because you told her that she could only take out 20$. Anyway, maybe you should go see Judge Judy

OMG!

Y would ur friend do that?!

That’s So Mean..

Well depends on how old u are..

Maybe u should like work at baby sitting,

Mc. D,

Burger King,

anything like dat…

Or Cleaning for someone..

Dear shamane, With friends like this who need enemies? You need to take her to small claims court to recover not only a judgement for monies owed but for your reputation. You see the bank does not see her as being the deceptive one but YOU since it was your card. I would suggest borrowing money from family or a trusted friend (something I don’t usually recommend) but your credit will be a mess as you stated and it will take years to clear your name. Sue…good luck

Don’t lend your card/pin number out to anyone in the future and definately get your details changes so she can’t do any more damage to your account. Have you confronted her and asked her for repayments??? the fact that you gave her the card means you can’t take legal action against her. See if your bank will accept regular payments to clear it off once you do get a job. The only way out of this mess is to get a job and pay it back.

A lessen learnt here. Don’t give your card to anyone.

Borrowing money from family or a trusted friend would be a way to go here until you are able to get a job. This way you can resolve the matter with the Bank first, since they won’t give a darn that you can’t come up with the money right away. I think that your friend there needs to start paying it back to you. Don’t let the matter go because you specifically told him/her ONLY $20! You try to help someone out and this is what you get in return. It sucks, I know. Shame on your friend. Good luck!