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Forum » More General Categories » Misc. » GF has 19k credit card debt
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Thread: GF has 19k credit card debt

post 1441935371 05-13-2016, 12:50 PM
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Originally Posted By MarinoMike⏩
These people are usually ambitionless - or philanthropists.


If I'm still earning 50K at 31 I'm ending it. Srs. going to go out in a huge shroom trip in the woods all revenant style.
orrrrr more like they are continuing their education/en route to their career which pays very well.

dumb f*ck.
post 1441935761 05-13-2016, 12:52 PM
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I would break up with her, but to each his own.

The sad part is, she's not alone. A ton of dumb children across the country are doing this every day and they all just think it'll work itself out. Eventually, it'll reach a critical mass and they'll have the numbers to unite together to elect a guy like Bernie Sanders to save them.
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post 1441935771 05-13-2016, 12:52 PM
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i am pretty sure majority of it was spent on clothes/shoes/purses/jackets. also those marathons she does at least 10 a year which are around 100. usually some are out of state so she flies to do them.
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post 1441935941 05-13-2016, 12:53 PM
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Originally Posted By YesWayNoWeigh⏩
another delusional miscer.. the avg income is like 35k
Yes, but that's not the average income for a 31 year old college graduate...
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post 1441936021 05-13-2016, 12:53 PM
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Originally Posted By gainmusclefast⏩
i am pretty sure majority of it was spent on clothes/shoes/purses/jackets. also those marathons she does at least 10 a year which are around 100. usually some are out of state so she flies to do them.
you need to gtfo of there now.
post 1441936031 05-13-2016, 12:54 PM
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Originally Posted By gainmusclefast⏩
i am pretty sure majority of it was spent on clothes/shoes/purses/jackets. also those marathons she does at least 10 a year which are around 100. usually some are out of state so she flies to do them.
Is this an elaborate troll thread now? Well done sir, well done.
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post 1441936131 05-13-2016, 12:54 PM
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Originally Posted By MarinoMike⏩
31 and only earning 50K... Did she even try for a promotion ever?
Age: 24

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someones in for a rude awaking..
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post 1441936511 05-13-2016, 12:57 PM
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post 1441936861 05-13-2016, 12:58 PM
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Man I really haven't been grateful enough to my dad for saving up a college fund for me all my life. Graduated with no student debt.

Every time I hear someone having 30-70k to pay off I cringe hard and thank god it's not me.

Gotta thank him big time.
post 1441936911 05-13-2016, 12:59 PM
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6 figure debt before marriage, kids and house at 31. think about it
post 1441937211 05-13-2016, 01:00 PM
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this is legit, we have been together a year and a half now. she was hinting at marriage pretty soon into the relationship.

when she showed me her debt she was like your judging me. we need to have a serious talk
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post 1441937441 05-13-2016, 01:01 PM
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Originally Posted By gainmusclefast⏩
this is legit, we have been together a year and a half now.she was hinting at marriage pretty soon into the relationship.

when she showed me her debt she was like your judging me.we need to have a serious talk
post 1441937581 05-13-2016, 01:02 PM
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Originally Posted By gainmusclefast⏩
this is legit, we have been together a year and a half now. she was hinting at marriage pretty soon into the relationship.

when she showed me her debt she was like your judging me. we need to have a serious talk
What is your financial situation like OP?
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post 1441937661 05-13-2016, 01:02 PM
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Originally Posted By cixelsidCDN⏩
How the fuk did she get clearance for them much credit card allowance with such a poverty job and existing debt?
Some company clearly basically illegally gave her a card. No way she would pass the Debt-to Income ratio that is a part of the 2010 Credit Card Act. The DTI was only at 55% the last time I worked in credit card underwriting. It may be different now.
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post 1441937981 05-13-2016, 01:04 PM
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Op, dude, do not marry this broad or open any kind of account or cosign ANYTHING along with her. Be extremely careful with birth control as well too. She can discharge all but the student loans, but why 70k and only making 50k? that doesn't make any real sense to me especially at her age. Anyhow, if you plan on staying with this broad you need to get her a financial advisor, which i know she will never agree to, but man i cant imagine having that amount of debt only pulling in 50k. why a fuarking 20k car, dude that is ok, but still she has basically another vehicle in CC debt alone, and i would bet that she has pretty much nothing to show for for having 19k in debt.


Go find some poor ass broad that barely speaks english and you need to communicate through flash cards. keep her under your thumb with the financials, it sounds like the one you have now is wholly irresponsible as an adult.

Godspeed sir.
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post 1441938011 05-13-2016, 01:04 PM
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OP you are going to get fuucked by the long dick of debt if you give in to her demands. i can promise you youll be happier with a fleshlight until you find the next chick who inevitably comes around.
post 1441938831 05-13-2016, 01:09 PM
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The American Dream right there. Beautiful.
Originally Posted By cixelsidCDN⏩
How the fuk did she get clearance for them much credit card allowance with such a poverty job and existing debt?
~35,000 a year. "poverty". Lol okay.
How dare you!

Don't let yourself get attached to anything you are not willing to walk out on in 30 seconds flat if you feel the heat around the corner.

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post 1441939341 05-13-2016, 01:11 PM
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that debt is truly terrifying, and if you have a fully functioning healthy body where blood is pump through your neck and into your brain you'll be doing a 360 out of there and fast.

I pretty much have no respect for people for people with 0 financial awareness and get into messes such as this. 19k CC debt is just laughable, wtf was she thinking.

Still for those who make money and credit work FOR them and not AGAINST like me via reward cards, people like her are a godsend.

not too sure why everyone is ragging on her $50k salary when the average income is way lower, some of you miscers live in an absolute dreamworld.
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post 1441939351 05-13-2016, 01:11 PM
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Originally Posted By MarinoMike⏩
These people are usually ambitionless - or philanthropists.


If I'm still earning 50K at 31 I'm ending it. Srs. going to go out in a huge shroom trip in the woods all revenant style.
I wouldn't say they are ambitionless. more or less they haven't figured out how to move up because they are still stuck in the rat race, limited opportunity for upward growth or don't know how to sell themselves. most people cant think big picture and quantify what they do and the impact.
Originally Posted By YesWayNoWeigh⏩
another delusional miscer.. the avg income is like 35k
depends on your location. if your a college grad in your 30s with 10 years experience, youshouldbe making more than 50k though. otherwise what a waste of time and money
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post 1441940271 05-13-2016, 01:17 PM
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Lol holy fuk I hope this thread is a joke.

If not, run for the hills asap op srs. Especially if you care about your financial future.

I was falling for a 23 year old sloot a while back until I found out she had filed for Chapter 7 bankruptcy about half a year before we met.

I "noped" the fuk out of there. A woman like that is especially dangerous if you're a financially responsible person who has no debt and knows how to save and spend money responsibly.
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post 1441940301 05-13-2016, 01:17 PM
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Originally Posted By LovePollution⏩
The American Dream right there. Beautiful.



~35,000 a year. "poverty". Lol okay.
Yeah it is pretty poverty brah. Could you even live and save money in London on that?

That's basically 40k after taxes here and you can't really live well on 40k in Toronto.
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post 1441940321 05-13-2016, 01:17 PM
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Holy chit man. 19K? I felt depressed when my credit limit dropped 2k because I have an interest debt of 0.13 for a few month because I was new to credit cards and never realised it got added and it needed paying. Finally working my way back up and got an increase on it, which the bank did without me asking for. But if I had 19k I'd just off myself. It's hard enough saving for a house when I'm choosing to save, but being forced to save to repay, fuk that chit.

Any why, when you have 70k debt, would you opt for another loan for a 20k car? What's wrong with a cheap(ish) car that she could pay with in cash?

Bet she also has the latest iPhone and getting bummed on that too, huh? And cable, netflix, spotify. Am I right?
post 1441940351 05-13-2016, 01:17 PM
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post 1441940511 05-13-2016, 01:18 PM
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Originally Posted By Simbra⏩
6 figure debt before marriage, kids and house at 31. think about it
these! kids and houses just suck up your money and its never ending.

kids: food, clothes, chit to make them happy, their future....it just never ends. then the dental/braces expenses and more clothes because they out grow them...it just keeps adding up

house: tax shelter but maintenance and upkeep. average mortgage is 30 years....

bottom line: having kids and a house is more of a liability. you wont be able to afford either with a gf/wife with almost 100k in debt
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post 1441941031 05-13-2016, 01:20 PM
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This is why I avoid debt like the plague. Car in cash, no student loans, and pay off credit card each week.

Seen too may people who's lives become juggling debt.
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post 1441942031 05-13-2016, 01:26 PM
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Originally Posted By Peasantfighter⏩
not too sure why everyone is ragging on her $50k salary when the average income is way lower, some of you miscers live in an absolute dreamworld.
That's the misc for ya though. By misc standard, the average salary is 150k a year.
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post 1441943361 05-13-2016, 01:33 PM
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Originally Posted By devin45k⏩
That's the misc for ya though. By misc standard, the average salary is 150k a year.
this... which makes it funny.. when 90% of them are FA yet some how are making 150k+ at 21
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post 1441944291 05-13-2016, 01:37 PM
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Originally Posted By gainmusclefast⏩
i am pretty sure majority of it was spent on clothes/shoes/purses/jackets. also those marathons she does at least 10 a year which are around 100. usually some are out of state so she flies to do them.
Sloots that have to do the latest fun run, charity run blah blah are worse then sloots in 200k debt. Time to visit NC
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post 1441944331 05-13-2016, 01:38 PM
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Op can feel himself rotting
post 1441944421 05-13-2016, 01:38 PM
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What an absolutely retarded sloot. Why in the hell would you buy an expensive car with that much debt/ that low of a salary? Why is she 19k in credit card debt? If she or an immmediate family member doesn't have a medical issue that is racking up the bill, she is an absolute idiot. She needs to strip away everything, trade in her car for a much cheaper one, move to a mucher cheaper location or with her parents and start living very, very frugally.

If you marry her she is going to drown you in debt, especially if she still hasn't changed her habits.
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