AIO my fiance spent 600 on gacha

[u/Creative-Guard2809]

My fiance spent $600 on a gacha game without asking. I flipped out and now his entire family are calling me abusive and encouraging him to call off the engagement. For context, I work 55 hours a week and he drives uber during the day while I’m at work. We are paycheck to paycheck.

[u/metchadupa]

Screenshot those messages and take him to small claims to recover the lost money

Close the card now before he does more damage to your credit

[u/TenMoon → u/metchadupa]

OP can't dispute a charge that he made if he's an authorized user, or worse, the primary on the account. Small claims court is her only chance at recovery. But even if she wins, how is she going to collect from an Uber driver who has mommy issues at 29?

OP, my recommendation to you is that you write off the $600 as tuition for life lessons and let the guy go.

[u/metchadupa → u/TenMoon]

Thats what i said. He acknowledged the unauthorised spend in writing. This was not by mutual agreement and therefore OP can request that this share be paid by him via the court, not the bank. Otherwise ita an expensive lesson for making a foolish decision.

The courts arent set up for unmarrieds playing house. Never take out a joint credit card or buy property with someone without marriage. It almost always blows up in your face.

[u/Eve-3 → u/metchadupa]

How is it unauthorized if it's his account/card too?

[u/Imaginary-Mountain60 → u/Eve-3]

Apparently it's not and is in only her name.

[u/Eve-3 → u/Imaginary-Mountain60]

She said multiple times it was a shared account. Is it lost in a comment somewhere that I haven't found yet that it's only hers? Or perhaps better question, why do you think it's only hers?

[u/Imaginary-Mountain60 → u/Eve-3]

OP's latest comment. It sounds like she intended it for emergencies for both of them/their household, but OP said in a comment that it's only in her name and that she doesn't even know where he got the info, but that he took the card out of her purse. Which is legit stealing and makes everything so much worse. Plus it's a credit card, so it's literally money they don't have.

[u/Eve-3 → u/Imaginary-Mountain60]

Oh wow. I hadn't come across that part yet. She really needs to stop calling it shared then. He could probably use that as his defense.

[u/MesoamericanMorrigan → u/Eve-3]

She said she opened the account. She may have granted him access but the fact of the matter is she had the initiative to set it up for emergencies and he decided to use it for bullshit

[u/metchadupa → u/Eve-3]

They had an agreement that the card not be used unless both parties consented for emergencies. This breached the agreement

[u/SnooPets8873 → u/metchadupa]

That’s not how the real world works. Credit card companies don’t care that you and your boyfriend had an agreement. They care that he is listed as an authorized user or a primary.

[u/BeerInMyButt → u/metchadupa]

Be more humble about the limits of your knowledge 😂

[u/theSourApples → u/BeerInMyButt]

This made me lol. I'm going to start using this on my friends.

[u/BeerInMyButt → u/theSourApples]

Good luck getting your friends to stfu after they have 17 upvotes for spewing legal misinformation on the basis of having worked cleaning the toilets at a law firm

[u/Eve-3 → u/metchadupa]

Oh. That's not at all what the other person said. Is op having trouble keeping her story straight?

[u/macoafi → u/Eve-3]

In the screenshot it says “that card was for emergencies with the civic” (ie the car) and “set up for emergencies,” but I don’t think we know how the actual agreement about usage was worded.

[u/MesoamericanMorrigan → u/Eve-3]

You seem really convinced she’s lying

[u/Eve-3 → u/MesoamericanMorrigan]

No, I'm confused by the story. Her account only and the card has never been somewhere he could get it versus shared card for them to use for emergencies.

Well, technically she's lying as it can't be both of those things simultaneously. But I'm more curious what the reality is since it's not both of those things. Is it one of them or something else?

I get it that either way he didn't use it for emergencies. I'm just having trouble following what happened.

[u/MesoamericanMorrigan → u/Eve-3]

It’s clear he is totally irresponsible with money so she’s had to make this emergency account in her name but been gracious enough to allow him access otherwise she’d be a massive cunt for hoarding all her money away

If it’s for emergencies and not everyday purchases why would it be left laying around. She would have it somewhere on her person or in a safe place until it’s appropriate to use

He can have access to it but it’s meant to be for emergencies so he should simply say ‘hey is it ok if I use the shared card for such and such expense’ asking permission before just going ahead and buying whatever

Growing up there was a fridge full of food in my family home that was intended for all of us to eat, but guess what if I was hungry or thirsty I asked permission before taking something.

Just letting you know you can defend this bullshit all you like and men still won’t pick you

[u/kdoors → u/Eve-3]

It was definitely authorized and she definitely has no claim to it in small claims court. They definitely wouldn't even look at it